James Rogers

Chris Percival

Oscar Zien

Lower Your Auto Insurance
Without Changing Your Insurance Company

Raise your deductible to save up to 30% on your premium.
Deductify pays it if something happens.‍
‍
✔ No switching insurance company
✔ No policy switching required
✔ Plans starting at $4.99/month
✔ Must be active before an accident

see our membership plans

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Deductify Savings Calculator

Savings Calculator

See Exactly How Much You Could Be Saving

Enter your premium, choose your deductible, and see how much raising it could save you.

Your Current Deductible:

$250 $500 $1,000

Your Monthly Premium:

$210

Select a Deductify Plan:

Monthly Savings

Yearly Savings

Based on average savings. Actual results may vary.

Skeptical? Ask any AI: "Will raising my deductible lower my auto insurance premium?"

See Membership Plans →

SEE FULL SAVINGS CALCULATOR

You’re Overpaying Every Month — Here’s Why

Lower deductibles = higher premiums. Most drivers overpay without realizing it.

Raise your deductible → lower your premium

Higher deductible = more risk if something happens

Deductify removes that risk

This is why most people never raise their deductible — until now.

Accidents Happen — You Pay the Deductible

When Do You Actually Pay Your Deductible?

When it happens, you’re responsible for the out-of-pocket deductible.
Most people aren’t prepared for it.

Accidents with Another Vehicle

Fender-benders, T-bones, and more

Single-Vehicle Mishaps

Curb, pole, tree
it happens

Hit-and-Run Incidents

You’re still responsible

Multiple-Vehicle Pileups

Chain reactions can hurt more than your pride.

Collisions with Cyclists or Pedestrians

Involving a person on foot or bike.

LEARN HOW DEDUCTIFY PROTECTS YOU →

HOW DEDUCTIFY
WORKS

✔Sign up in minutes.

✔Save instantly.

✔Deductible paid.

✔Peace of mind — every drive.

STEP 1

Choose any one of our low cost plans. Starting at $4.99/mo

STEP 2

Register your vehicle in the Members Portal

STEP 3

Call your insurer, raise your deductible, and watch your savings kick in immediately.

STEP 4 — Peace of Mind

Get into an accident? That's where we make it better. We step in and pay your collision deductible up to your plan limit.

Add OE Parts Protection so your repair uses OE parts — helping protect your car's safety and value.

Start Saving Now →

Deductify – Why It Matters

Accidents Happen — And That’s When the Costs Hit

Auto insurance keeps getting more expensive, and after an accident, drivers are often left paying a deductible out of pocket before repairs even begin.

For many people, that means coming up with $500 to $2,000 fast — right when they can least afford it.

And even after paying high premiums, many policies still approve cheap aftermarket parts that can affect your vehicle’s value, fit, and quality.

The system works well for insurance companies. It does not work as well for drivers.

Deductify Changes That

A simple membership that helps you lower your premium and avoid the out-of-pocket hit when an accident happens.

Less Out of Pocket

Deductify pays your collision deductible up to your plan limit, so you’re not stuck handling the full out-of-pocket cost on your own.

✔ Simple submission process

✔ Fast review and approval

✔ Memberships starting at just $4.99/month

Protect Your Vehicle’s Value with Genuine Parts

Insurance companies often approve cheaper aftermarket parts to keep repair costs down.

Deductify’s OE Parts Protection helps pay the difference so your repair shop can use genuine factory parts instead.

✔ Better fit and finish

✔ Helps protect resale value

✔ Optional add-on protection

Essential OE — pays up to $1,000 toward genuine parts

Premium OE — pays up to $2,000 toward genuine parts

Real Monthly Savings

When you raise your deductible, your premium usually goes down.

That means many drivers can save hundreds of dollars per year — and in many cases, the membership more than pays for itself.

Deductify helps make that move feel safer by removing the fear of the deductible.

Everything in One Place

Manage your membership inside a clean, simple portal designed for real people.

Register and manage up to 5 vehicles
Upload required vehicle photos in minutes
Track your deductible benefit status
Upgrade or manage your membership anytime
Access your information in one place

The Deductify Solution

Start saving today — it only takes a few minutes to get set up.

Get Started Now

Questions, answered

Frequently Asked Questions

Everything people usually want to know before joining Deductify.

Deductify is a membership program that pays your collision deductible up to your membership level. It is designed to help drivers safely raise their deductible with their auto insurer and lower their monthly premium.

No. Deductify is not insurance. It is a membership that works alongside your existing auto insurance policy.

No. You keep your current insurance company. Deductify is designed to work with the policy you already have.

Many drivers can lower their monthly premium by increasing their deductible with their insurance company. Deductify helps make that move feel safer by paying the deductible up to your membership level if you have a collision.

Deductify pays your collision deductible up to the amount included in your membership plan. Higher membership levels allow for higher deductible payment amounts.

After your vehicle is approved and the required 30-day activation period has passed. The membership must be in place before the accident happens.

After signing up, you will create your member login, register your vehicle, upload your registration, and submit the required vehicle photos for approval. Once approved and past the activation period, your deductible benefit becomes available for that vehicle.

Many members join Deductify because it gives them confidence to raise their deductible and reduce their monthly premium. For many drivers, that monthly savings is the reason the membership makes sense even if they never need the deductible payment.

Memberships start at just $4.99 per month, with higher levels available for drivers who want a larger deductible payment amount.

Yes. Depending on your membership level, you may be able to register multiple vehicles. Each vehicle must go through its own registration and approval process.

ASK A.I.

Don’t Take Our Word For It.

Ask the facts. Verify the savings.

“Is it true that I can save anywhere from 5% to 30% by raising the collision deductible of my auto insurance policy?”

ASK A.I. NOW