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増額方式とは逆に、1度目の免責金額を高くして、2度目以降を低くする減額方式はありません。上の表では15等級を例にしていますが、等級が低い契約で保険を使って5等級以下になると、保険料が割増しされてさらに負担が大きくなります。 「少ない金額なら保険を使わずに自分で払って、翌年以降の保険料を上げたくない」「保険は万が一の大きな事故のときのために入っているから、毎年の保険料はなるべく安くしたい」と考えるのであれば、出せる範囲で免責を高くして節約できます。契約するときに払うお金と、万が一のときに出せるお金をよく考えて免責金額を決めましょう。
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