The phrase "to spread the cost" means to divide or distribute the expenses over a longer period of time or among different people or entities. Full definition
Where insurance is offered, the coverage is typically group coverage, which lowers the cost of insurance by spreading the cost of coverage over a larger number of participants. (usinsuranceagents.com)
When you buy one outfit you can use it for several years, so think of spreading the cost over 3 years or so, instead of just using it for one year. (themodestmomblog.com)
The insurance companies make up for that added risk by spreading the cost over a large group of people, without considering individual health and lifestyle habits. (healthiq.com)