Savings Engine
Your personalized insurance savings plan
Find every premium reduction lever — bundling, deductibles, discounts, and risk reduction — with projected annual and lifetime savings.
Estimated Savings
$1,264/yr
$25,280 over 20 years
Savings Score
65/100
Opportunities
- Bundlingeasy
Bundle auto with home/renters
Combining policies with one carrier typically saves 13-22% across both lines.
+$510/yr
- Deductibleeasy
Raise auto deductible to $1,000
Cuts premium ~10% if you have at least $3k in emergency funds.
+$180/yr
- Deductiblemoderate
Raise home deductible to $2,500
Home claims under $2,500 are rarely worth filing anyway (raises future rates).
+$192/yr
- Discounteasy
Enroll in telematics / usage-based
Safe drivers typically earn 10-30% additional savings via Drivewise, Snapshot, SmartRide, etc.
+$270/yr
- Risk Reductionmoderate
Install monitored security + smoke alarms
Documented monitoring typically saves 5-12% on home premium and improves claim outcomes.
+$112/yr
Savings playbooks
Savings
Optimize Your Auto Insurance
Auto insurance is the most over-paid product in the average household budget. A 20-minute optimization session typically uncovers 15–30% in annual savings without reducing protection.
Savings
Optimize Your Home Insurance
Most homeowners are simultaneously over-insured on contents and under-insured on dwelling rebuild cost. Optimization fixes both.
Savings
Optimize Your Life Insurance
Term life rates drop steadily. Most policies bought 5+ years ago are over-priced or under-sized for current obligations.
Savings
Bundle Auto + Home for Maximum Savings
Bundling is the highest-ROI optimization for most households — typically 13–22% off both lines with zero coverage trade-off.
Savings
Deductible Optimization Strategy
Deductibles are the single most under-optimized lever on the average policy.
Savings
Umbrella Liability Optimization
An umbrella policy is the cheapest insurance per dollar of protection — typically $200–$400/yr for $1M of liability above auto/home.