A deductible is a fixed amount of money you have to pay before most, if not all, of the policy's benefits can be enjoyed. However, in many health insurance policies, you can use some services, like a visit to the emergency room or a routine doctor 's visit, without meeting the deductible first.
Even in the $15 range, there are plenty of good choices Jim Beam falls in that range, and Jim Beam is a wonderful whiskey. Even better, though, is Evan Williams hands down the best cheap liquor we tasted (and at 86 proof, the only one higher than the legal minimum of 80 proof).
It really depends on the quality of the whiskey. Generally you want to spend no less than $20 - $30 on a bottle of decent whiskey, good ones available in this price range include Crown Royal Canadian Whiskey, Maker's Mark Bourbon, and Jameson Irish Whiskey, and Johnnie Walker Black Label.