[bombcar]

The first dollar of insurance coverage is the most expensive, because any claim hits it.

Going from $100k to $2m is often quite cheap, comparatively.

[xapata]

It seems like the ideal plan is a high-deductible with no maximum, like catastrophic medical coverage.

[seanmcdirmid]

The number of claims over $100k are much less frequent, which is why it is cheaper to raise your cap.