Auto Insurance → Premium → Lowered.
See Membership Plans →
Most drivers keep a low deductible because they're scared of the out-of-pocket cost if something happens. That fear is quietly costing you hundreds of dollars every single year.
Adjust the numbers and see an estimated savings range based on common deductible increases.
Want a deeper breakdown? Use the full calculator for more detail.
Use the Full Savings Calculator →Estimate based on common savings ranges, after your Deductify membership cost. Your results depend on your insurer and state.
Lower deductibles usually mean higher premiums. Raise your deductible, lower that monthly cost. Deductify helps handle the deductible risk so you can keep more of the savings.
No switching, no shopping, no losing your discount history. Deductify works alongside the policy you already have.
Choose your membership
Register your vehicle
Raise your deductible and lower your premium
Collision deductible paid
Small accidents. Parked hits. Confusing situations. The deductible can still show up.
Annual billing available — get 1 month free. Each plan is priced per vehicle.
Insurance companies often approve aftermarket parts to cut costs. OE Parts Protection pays the difference so your vehicle is repaired with genuine factory parts instead.
Priced per membership, not per vehicle: one charge covers 1–2 vehicles, two charges cover 3–5.
Deductify must be active before a collision occurs. Vehicle registration and approval required. View full plan details →
I called my insurance company the same day I signed up. Raised my deductible to $2,000 and saved $74 a month. The membership paid for itself in days.
I thought it sounded too good to be true. Then I called my insurance company and saw the savings for myself. I kept my carrier, kept my agent, and now pay way less.
Got into an accident two months in. Submitted my request, Deductify paid my deductible. No fighting, no waiting. It worked exactly the way they said it would.
Straight answers to the most common questions — before you sign up.
Deductify is a membership — not insurance — that pays your collision deductible up to your plan limit. It works alongside your existing policy so you can raise your deductible, lower your premium, and avoid the out-of-pocket hit if something happens.
No. Deductify is not insurance. It’s a membership that works alongside your existing auto policy. You keep your carrier, your agent, and your current policy — Deductify pays your deductible up to your plan limit.
No. You keep your current insurance company. Deductify works alongside the policy you already have, so there is no switching, no shopping around, and no starting over.
Most insurance companies charge more when your deductible is low because they take on more risk. Raise your deductible and your premium can go down. Deductify helps remove the fear of that higher deductible by paying it if something happens, so you can keep more of the monthly savings.
OE Parts Protection is an optional add-on. After a collision, insurance companies often approve cheaper aftermarket parts. This add-on pays the difference so your vehicle can be repaired using genuine factory parts instead. Essential OE is +$6.99/month and pays up to $1,000. Premium OE is +$9.99/month and pays up to $2,000. It's priced per membership, not per vehicle: one charge covers 1–2 vehicles, and two charges cover 3–5.
Deductify pays your collision deductible, up to your plan limit, when your auto insurance approves a collision claim. Right now it does not cover comprehensive claims such as hail, weather, flood, theft or glass. We plan to add more coverage types, like animal collisions, in the future.
Log in to your member portal and file a deductible request with your insurance claim details and photos. Our team reviews requests within 24–48 hours. Once approved, we pay you by Zelle, Venmo, PayPal or check, whichever you choose.
Each registered vehicle can receive one deductible benefit every rolling 12 months. If you have more than one vehicle on your membership, each vehicle has its own benefit.
Yes. You can cancel at any time. Your membership stays active through the end of your current billing period and will not renew after that. No cancellation fees and no penalties.
You can have up to 5 vehicles on one membership. Each vehicle is priced separately at your plan's per-vehicle rate. Every vehicle must be registered and approved before its benefit becomes active.
Your benefit becomes active after your vehicle is registered, approved, and has passed the required 30-day activation period. Deductify must be active before an accident occurs.
Then Deductify is not only about saving more on your premium. It also helps remove the financial hit if something happens and that deductible becomes due.
Most members join for the premium savings, not because they expect an accident. For many drivers, the monthly savings from raising their deductible can outweigh the cost of the membership, so the setup can still make sense even if you never need the deductible payment.
Raise your deductible, lower your premium, and let Deductify handle it if something happens. Setup takes less than 5 minutes.
Choose Your Plan