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 40%.
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 with a valid driver’s license and an insured vehicle can join—past tickets or minor accidents won’t keep you out. Deductify is designed for all kinds of drivers, from new folks on the road 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 ask for photos so we can verify your car and ensure everything matches your policy. It’s a quick, guided process—just snap a few pics with your phone and upload them. No hassle, no guesswork.
After you join, call your current insurer and raise your collision deductible—up to $2,000. That move alone should cut your monthly premium significantly. If you ever need to file a collision claim, Deductify pays that bigger collision deductible for you.
Deductify isn’t a replacement for insurance. We’re a membership that activates when your collision deductible does. So, keep your policy, raise your collision deductible, and when you file a claim, Deductify covers that collision deductible expense—so you never face a sky-high repair bill.
You can still join! By raising your deductible further after signing up, you could see up to a 40% drop in your insurance costs depending on your current collision deductible amount and your insurance company. If you file a claim with your insurance company later, we pay the deductible—whether it’s $500 or $2,000, depending on your Deductify plan.
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.
We pay you, not the repair shop. Once your claim is verified by us, we send the collision deductible payment directly to you—so you stay in control of where and how your car gets fixed.
Generally, we finish our verification process within 24–48 hours after you submit a claim. Once approved, we issue the payment straight to you—no hoops, no sneaky delays.
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 file up to two collision deductible approved requests per year, per car on your plan. That way, when multiple accidents happen, you won’t see your savings go down the drain.
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!