We don’t replace your car insurance — we make it better.
A Deductify membership pays your collision deductible when you have an accident and helps reduce your current insurance premium — enough savings to cover the cost of your membership.
By raising your deductible, you can save up to 30%, depending on your insurer.
If an accident happens, you pay nothing out of pocket. We pay your deductible — up to $2,000
Our membership is simple:
Raise your deductible to lower your premium. We’ll be there when you need us the most.



“Is it true that I can save anywhere from 5% to 40% by raising the collision deductible of my auto insurance policy?”
You’re forced to choose between cheap coverage or very expensive real protection—and still pay deductibles
Policies designed to “save” you money leave you with major gaps and out-of-pocket expenses
High deductibles are risky and lower deductibles skyrocket your costs—even if you never file a claim
Even the smallest ding can lead to alarmingly high costs
Continuously rising premiums eat away at your monthly budget
For over 20 years, we worked in the auto body industry—and every day, we saw real people struggle to pay their deductibles. They’d come to pick up their cars, then quietly ask for help because they couldn’t afford the deductible—or because it just didn’t feel fair to pay it.
We couldn’t ignore the problem. It kept us up at night, knowing there had to be a better system—something that could actually help people. That’s why we created DEDUCTIFY—a solution born from five years of development and thousands of conversations with people just like you.
The law says you need car insurance.
It doesn’t say you have to overpay for it… or get stuck paying high deductibles after an accident.
Deductify isn’t just a membership.
It’s real protection. Real savings. Real peace of mind.
Let us help you break the cycle of high premiums and costly deductibles.
It’s time to put that money back where it belongs—in your pocket.
We’ve seen it. We get it. We fixed it.
Set up your membership in minutes.

Raise your deductible to see immediate premium savings up to 30%.

We pay your collision deductible whenever you file so no more out-of-pocket surprises. You keep your savings and your sanity.

Even a tiny scrape can turn into a hefty bill under collision coverage.
Here’s when you normally pay it:
Fender-benders, T-bones, or other collisions.
Mailbox, tree, guardrail, you name it.
Parked or driving, if the other driver flees.
Chain reactions can hurt more than your pride.
Involving a person on foot or bike.
NO STRESS, JUST CLARITY.
Anyone 18 or older with a valid driver’s license can join Deductify.
Your driving history—past tickets, minor accidents, or bumps along the way—won’t keep you out. Deductify is built for everyday drivers, from first-timers to seasoned pros.
Yes, you can sign up just for perks like auto news or service discounts. However, if you want to use our collision deductible payments feature, you’ll need at least one registered vehicle.
We require photos to verify your vehicle’s condition and confirm there’s no pre-existing damage before your 30-day grace period begins. This protects honest members and helps prevent fraud.
It’s a quick, one-time step—and once your vehicle is approved, your deductible benefits become active after the 30-day grace period.
After you join, call your current insurer and raise your collision deductible—typically to $1,000, $1,500, or $2,000. A higher deductible almost always lowers your monthly premium.
If you’re ever in a collision and owe that larger deductible, your Deductify membership provides the deductible payment up to the amount in your selected plan, so you’re not stuck paying it out of pocket.
Keep the insurance company you already have—Deductify is a separate membership. You simply raise your collision deductible on your policy to unlock lower monthly premiums. Then, if you ever have a collision and owe that deductible, your Deductify membership steps in with a deductible payment so you're not stuck paying it out of pocket.
OE Genuine Parts Protection is an optional Deductify add-on that helps make sure your vehicle is repaired with original equipment (OE) parts—the same parts your car was built with at the factory.
Many insurance policies require shops to use cheaper aftermarket or reconditioned parts. Those parts can affect fit, performance, resale value, and sometimes even warranties.
With Deductify, you choose your OE Parts Protection limit—Essential or Premium—and we cover the OE upgrade cost up to your selected limit, helping ensure your vehicle gets genuine factory parts whenever possible.
If your insurer wants to use a cheaper aftermarket part, your OE Protection covers the upgrade cost to the original factory part—up to your plan limit.
Example: If an aftermarket bumper is $300 and the OE bumper is $600, we pay the $300 difference so your car gets the real thing.
Once your deductible benefit request is approved, your payout is sent directly to you within 1–2 business days.
We pay you—not the repair shop—so you stay in full control of where and how your vehicle gets repaired.
Absolutely not! It’s not a loan. Deductify is all about helping you when it matters most, so we pay your collision deductible with zero expectation of repayment. No strings attached.
You can sign up any time, but we can’t pay a collision deductible for a claim that happened—or was opened—before your membership and vehicle registration’s 30-day grace period.
Right now, we focus on collision deductibles only. Comprehensive covers events like theft, fire, vandalism, animal strikes, fallen branches, and acts of God and mother nature, which aren’t included in our collision deductible payments.
Absolutely. You can add, swap, or remove vehicles at any point. Each added or replaced car starts with its own 30-day grace period before it’s eligible for collision deductible payment.
Yes. We don’t lock you into long-term contracts or penalty fees. If DEDUCTIFY stops being your jam, you can leave anytime—no hard feelings.
You can request one deductible benefit and one OE Genuine Parts Protection benefit per rolling 12 months for each approved vehicle on your membership.
Each vehicle has its own 12-month clock, which resets based on the date of the last approved incident.
Our case is simple: Raise your collision deductible to as much as $2,000 and save up to 30% on your monthly auto insurance premium. If an accident happens, we take care of the hefty deductible—so you're never stuck with a surprise bill. It’s a smart, straightforward way to keep more money in your pocket each month, without the risk of an unexpected financial hit after a collision. And best of all, it’s a net-positive membership that pays for itself.






Accidents are expensive. But your deductible doesn’t have to be. Join now, lock in your protection, and start saving on your premium every month.
🟩 Lite$10.99 / month
💵 Or $109.90/year (2 months free)
🚗 Up to $500 deductible paid
💡 insurance premium savings
🛠️ Member-only discounts (repair, rentals, more)
🔶 Pro – Most Popular$15.99 / month
💵 Or $159.90/year (2 months free)
🚗 Up to $1,000 deductible paid
💡 Premium reduction strategies
🛠️ Bigger savings on partner discounts📞 Priority member support
🔷 Max$19.99 / month
💵 Or $199.90/year (2 months free)
🚗 Up to $2,000 deductible paid
🧠 Insurance strategy guidance
🛠️ Deepest partner discounts
📞 Fast-track support
🚀 Max savings potential
🟩 Lite Plan$109.90/year
(just $9.16/month)
✅ Up to $500 deductible paid
✅ Save on insurance premium
✅ Basic member discounts (shops, rentals, more)
🟧 Pro Plan – $159.90/year
(just $13.33/month)
✅ Up to $1,000 deductible paid
✅ Insurance premium reduction strategies
✅ Bigger partner savings
✅ Priority member support
🔵 Max Plan$199.90/year
(just $16.66/month)
✅ Up to $2,000 deductible paid
✅ Full insurance strategy support
✅ Max member discounts
✅ Fast-track support
✅ Highest savings potential
Join now and enjoy peace of mind—and bigger savings—before your next payment is due.
No need to wait! Our quick online setup can have you saving lighting fast and ready to have your deductible paid when an accident happens.
We get it—sometimes you just want a real human to confirm you’re making a smart move or you simply need support with your account. Whatever the reason, we're here for you! Start a conversation with us now using our chat!