Stop overpaying. Get your Rate Audit.
Free comparison in under a minute. Then unlock a personal plan: who to quote, what to ask for, and exactly what to say on the phone.
What's inside the Personal Rate Audit
Not a vague PDF. A working document you can use this week — and again at renewal.
Executive verdict
Your payment vs area benchmark, gap in $/mo and $/yr, and a realistic 12-month savings target.
Carriers to quote
A short list of insurers worth racing for your type — educational ranges so you know who to call.
Discount checklist
Ask for every discount by name: bundle, paperless, telematics, paid-in-full, safety, multi-policy.
90-day action plan
Week-by-week steps: pull declarations, get 3 identical quotes, negotiate, calendar the next renewal.
Phone script
Word-for-word script with your numbers filled in — so you don't freeze on the retention call.
Red flags
Silent hikes, installment fees, under-insurance traps — what to fix before you “save” the wrong way.
How it works
Same idea as a keepsake report — built for money you pay every month.
Free check
ZIP + type + what you pay. Instant verdict: over, under, or near average.
Unlock audit — $9.90
Stripe Checkout (Apple/Google Pay). One price. No subscription. Instant unlock.
Act this week
Use the checklist and script. Print or save the audit. Re-open it before renewal.
Personal Rate Audit
Digital product · yours to keep
- Personalized verdict for your ZIP & type
- Carrier shortlist + discount checklist
- 90-day plan + negotiation script
- Instant on-page unlock + email when available
- 30-day money-back guarantee
Price on this page = price at Stripe. No bait-and-switch.
What people say
“I was at $210/mo. The audit pushed me to race Progressive — same coverage, $127. The script made the call easy.”
“Bundle checklist alone paid for it. Home + auto, 25% I didn't know I could ask for.”
“For under $10 this is a no-brainer before renewal. Clear plan, not fluff.”
FAQ
Is this a real insurance quote?
No — and we say that clearly. It's an educational Rate Audit using area benchmarks so you know if you're high and how to shop. Binding prices only come from carriers.
Why $9.90 (not free forever)?
The free check is free. The full plan is a one-time digital product — one price on the page, one price at Stripe ($9.90). Anchor $19.90, launch $9.90, no subscription.
What do I need?
ZIP, insurance type, monthly payment, coverage level. No SSN. No card until you choose to unlock.
How fast?
Free check: seconds. Full audit after Stripe: unlocks on the estimate page immediately; email copy when Resend is available.
Money-back?
30 days. Not happy — refund. Contact via the site footer email path you already use for InsuranceCostIn.