Services
Six calculators for one big number
Every part of an auto insurance price can be measured. Each tool below takes one piece of the quote, shows the arithmetic, and tells you what to do with the answer.
Tool 02
Deductible Math
Figure out the deductible that saves the most.
A higher deductible lowers your premium and raises the bill you carry after a crash. Deductible Math puts both sides on one page, so you can pick the number that saves the most money without leaving you short on repair day.
- Premium shown at $250, $500, $1,000 and $2,000 deductibles
- Break-even years: how long until the higher deductible pays off
- A cash check: could you cover the deductible tomorrow morning?
- Collision and comprehensive deductibles compared separately
Break-even years = extra deductible ÷ yearly premium savings
Tool 03
Coverage Estimator
Estimate limits that fit your car’s value.
Coverage that is too thin leaves you exposed, and coverage that is too thick means paying for protection the car is no longer worth. The Coverage Estimator starts from your car’s market value and works outward to limits that actually fit.
- Start from your car’s current market value, not its sticker price
- Match liability limits to the income and savings you need to protect
- Gap check for financed and leased cars
- Add uninsured and underinsured motorist cover with the cost shown
- See how your state’s minimum compares with a limit that protects you
Physical-damage cover ≈ car value − deductible
Tool 04
Rating Factors
How age, ZIP, vehicle and history affect quotes.
Two drivers in the same car can see very different quotes. Rating Factors breaks down the four big inputs, age, ZIP code, vehicle and driving history, so you know which ones you can change and which ones you simply plan around.
- How age and years licensed shift pricing for new drivers and families
- Why a quote can change from one ZIP code to the next
- How repair cost and safety features change what a vehicle costs to cover
- How long tickets and claims stay on your record, including SR-22 and high-risk filings
- Which inputs you can change this year and which you can’t
Quote ≈ base rate × age × ZIP × vehicle × history
Tool 05
Savings Tracker
Track rate changes year over year.
A renewal notice only shows you this year’s price. The Savings Tracker keeps the history, so you can see how your premium moved, what you changed, and whether re-shopping actually put money back in your pocket.
- Log each renewal and see the change in dollars and in percent
- Chart your premium by month next to life events like a move or a new car
- Set a jump threshold so a big renewal increase stands out
- Mark when a ticket ages off and check whether your rate followed
Change % = (new premium − old premium) ÷ old premium
Tool 06
Claim Cost Guide
When filing a claim makes financial sense.
Not every dent is worth a claim. The Claim Cost Guide helps you weigh the payout against your deductible and the rate increase that may follow, and gives you a clear checklist for the moments after an accident or a breakdown.
- Break-even check: repair estimate minus deductible, against a possible rate rise
- How at-fault and not-at-fault claims are usually treated differently
- What to photograph and write down at the scene
- When roadside assistance is the better call than a claim
- Who to call first, and what to have ready for the adjuster
Claim payout = repair estimate − deductible
Ready to see your real number?
Sign up, bring your latest quote, and let the math show you where the money goes before you renew.
Or call (213) 523-7845