Is your premium normal — and why?
Send four numbers off your declarations page. We send back one page telling you whether your premium sits above or below the sourced average for your state, which three levers are most likely inflating it, and exactly what to say when you call your carrier.
What makes this different
Every other insurance site wants the transaction. We read the policy you already bought.
Comparison sites exist to move you to a new carrier, which means they are paid by the thing they recommend. That is not a conspiracy, it is just the business model, and it means the answer you get is always "switch".
We are not an insurer, agent or broker and we do not sell insurance. So the only useful thing we can do for you is the thing nobody else does: tell you, in writing, whether the number you are paying is defensible — and if it is not, where the extra money is actually coming from.
What you send
Four numbers from your declarations page or renewal notice. That is the whole intake.
| Field | Why |
|---|---|
| Annual premium | The number we are testing. |
| Your state | Sets the baseline we compare against. |
| Vehicle model year | Repairability and theft rate move comp/collision pricing a lot. |
| Coverage type | Liability-only and full coverage are not comparable. |
Email only — no Social Security number, no address, no phone number. We reply asking for the four numbers off your declarations page.
What comes back
Two business days, one page, plain English. If your premium is already reasonable we will say so and tell you to stop worrying about it.
What it costs
Free while we are in launch. There is no card, no subscription and nothing to cancel. We would rather run a hundred real reviews and fix the process than put a paywall in front of something nobody has tested yet.
CovRGo runs this site at its own cost. There are no partner links, no affiliate links, no sponsored placements and no carrier advertising anywhere on this site, and no insurer pays for a ranking or a favourable mention. The only commercial relationship here is the email list you join when you submit a review, and you can leave it in one click.
What it is not
Questions
Do you need my Social Security number?
No. Never. Four numbers off the declarations page.
Are you going to sell my details to an agent?
No. We are not an agent or broker, we do not
sell insurance, we do not sell or rent your details, and nobody will call you.
Can you tell me which insurer is cheapest for me?
No, and nobody honestly can without
underwriting you. We can tell you whether the number you have is normal, and which parts of it are
worth arguing with.
What if my premium is fine?
We tell you that, in writing, and you go and do something else
with your weekend.
Prefer to just read?
That is fine, and it costs nothing. The state averages and the lower-your-premium checklist answer most of this without you sending anything to anyone.
What a review looks like when it comes back
An illustrative example, using invented numbers so nothing here is a claim about any real person's policy:
The submission: annual premium $2,340 · Texas · vehicle model year 2016 · full coverage.
What comes back: $2,340 is about 82% above the published Texas average expenditure of $1,282 per vehicle per year. That gap is too large to be explained by market movement, so the review would work down the causes in order: unlisted violations or claims in the household, coverage limits well above state minimums, a low deductible relative to a vehicle that is now eight years old, comprehensive and collision retained on a vehicle whose value no longer justifies them, and credit-based insurance scoring where Texas permits its use. It would then give you the sentences to use, in order, and tell you which of those five is worth testing first.
What it would not do: tell you which carrier to move to. We do not know, we are not paid to know, and that is precisely the point.
Every figure in a real review is tied to the sourced state average published on this site, with the dataset available for download so you can check our arithmetic. If we cannot support a number, we do not put it in the review.
The honest objections
"Why is it free? What's the catch?"
It is free because we are in launch and we would rather earn the right to charge later than charge before anyone trusts us. The catch, stated plainly: the email address is the product at this stage. We add you to a mailing list that sends short updates when the underlying state rate data changes. There is no quote wall, no phone call, no sales process, and unsubscribing is one click. If that trade is not worth it to you, do not submit — the entire methodology is published on this site and you can run it yourself.
"Is this just lead generation with extra steps?"
No, and the difference is testable. Lead-generation sites are paid per lead or per policy sold, so their incentive is to route you to a carrier. We have no carrier relationships, no affiliate agreements and no referral fees. The review is an analysis of a policy you already own; there is nowhere for us to route you. If that changes we will say so on this page before it changes.
"You're not an agent — why should I believe your analysis?"
You should not believe it on authority, because we do not have any to offer. We are not an insurer, agent, broker or advisor, and we are not pretending otherwise. What we offer instead is reproducibility: the state averages come from NAIC data published by the Insurance Information Institute, the dataset is downloadable, the method is described in plain English, and you can check every number yourself. An analysis you can verify beats a credential you cannot.
"What if my premium is actually fine?"
Then we will say so, in one line, and tell you not to spend another minute on it. A meaningful share of reviews will end that way and that is the correct outcome. We would rather tell you that than manufacture a problem to sell a solution to.
"What happens to my email and my numbers?"
The email goes onto a mailing list you can leave in one click. The four numbers are used to produce your review and are not published, not sold, and not passed to any insurer, agent or lead buyer. We do not ask for your Social Security number, date of birth, address, driving licence number, VIN, card details or your insurer's login, and we never will — a review of a premium does not need any of them, and any site asking for them before showing you a number is collecting a lead.
Why this is the only thing a site like this can usefully sell
The insurance content market is structurally odd. The sites that rank for every insurance question are overwhelmingly paid by carriers, which means their content has to end in "switch". A publication that takes no carrier money has no product to sell in that direction — so either it sells nothing and stays a hobby, or it sells the one thing its independence actually makes it good at: judgement about the policy you already have.
That is the whole strategy, and it is why this is the first thing in the navigation rather than a banner at the bottom. Why CovRGo exists sets out the rest of it.
Before you send anything
Three things worth knowing so the review is useful rather than generic:
- Send the annual premium, not the monthly. Monthly figures often include instalment fees and are not comparable to published annual averages.
- Send your coverage type accurately. Liability-only and full coverage are not comparable, and comparing a minimum-limits policy to a state average across all coverages will produce a misleading answer.
- If your policy renewed in the last 60 days, say so. The renewal paperwork usually carries the rate filing notice, and it changes which causes are worth testing first.