You're missing discounts you already qualify for.
Insurance carriers offer dozens of discounts. Most aren't applied automatically. If you don't ask, you don't get them.
Discounts aren't automatic. They're opt-in.
Your carrier has a list of discounts: multi-policy, good driver, home security, paid-in-full, paperless billing, loyalty, professional affiliation. Most of these aren't applied unless you specifically ask for them or your agent remembers to check.
Worse, discounts can disappear without notice. Switch your home insurance to a different carrier and your auto multi-policy discount vanishes. Install a new roof and never tell your insurer, you miss the protective device discount. It's not fraud. It's just complexity nobody's tracking.
Carriers have no incentive to remind you.
Every unapplied discount is revenue for the carrier. There's no system that checks whether your profile qualifies for discounts that aren't already on your policy. Your agent might catch it during a review, but most agents manage hundreds of clients.
Multi-policy households have it worst. You might qualify for discounts across auto, home, and umbrella that interact with each other. A multi-policy discount with one carrier, a bundling discount with another, a loyalty discount that only applies after 3 years. Nobody's tracking all of this across your full portfolio.
2+
Discounts the average policyholder is missing. Some qualify for 4 or more.
5-15%
Typical savings per policy when missing discounts are applied.
$300-800
Annual savings for a multi-policy household that applies all eligible discounts.
We know what discounts your carrier offers. Do you?
We read your policy and identify which discounts are currently applied. Then we cross-reference against the full list of discounts your carrier offers for your policy type. The gap between "what you have" and "what you could have" is your savings opportunity.
We also check across policies. If you're carrying auto and home with the same carrier, you should have a multi-policy discount. If you just switched carriers on one policy, we flag the discounts that might have disappeared on the other.
Applied vs. available
See which discounts you're getting and which ones you're not. The gap is your opportunity.
Cross-policy detection
Multi-policy, bundling, and loyalty discounts that depend on your full portfolio. Not just one policy at a time.
Disappeared discount alerts
Discounts that were on your previous policy but are missing on the new one. We flag them so you can ask why.
Carrier-specific data
We track discounts by carrier and policy type. Not generic advice. Specific to your insurer and your coverage.
One phone call. $340 back.
A policyholder uploads their auto policy from a major carrier. We find 11 discounts currently applied and 3 they're missing: paid-in-full ($80/year), paperless billing ($45/year), and a professional association discount ($215/year) they qualify for through their employer.
Total: $340/year. One phone call to their agent. The discounts are applied starting next billing cycle. The whole process, from upload to savings, takes less than 30 minutes.
Across their full portfolio (auto + home + umbrella), we found 5 additional missing discounts totaling $620/year. Some required documentation. Some just required asking.
See it for yourself.
Upload your policies free. Auto, home, umbrella. No credit card. No commitment.