Otimizador de Franquia de Seguro — Formula

Choosing the Right Deductible

The Trade-Off

A higher deductible means lower premiums but more out-of-pocket cost when you file a claim.

Break-Even Analysis

Break-Even Years = Extra Risk / Annual Premium Savings

If you save $400/year by choosing a $1,500 higher deductible, you break even in 3.75 claim-free years.

Expected Cost

Expected Cost = Annual Premium + (Deductible x Claim Probability)

This factors in the statistical likelihood of actually filing a claim.

Exemplo Resolvido

$500 vs $2,000 deductible, $1,800 vs $1,400 annual premium, 10% claim probability.

  1. Premium savings = $1,800 - $1,400 = $400/year
  2. Extra risk = $2,000 - $500 = $1,500
  3. Break-even = $1,500 / $400 = 3.75 years without claims
  4. Expected cost (low) = $1,800 + $500 x 10% = $1,850
  5. Expected cost (high) = $1,400 + $2,000 x 10% = $1,600