


Let Deductify make it even better.

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Get your deductible paid. Protect your car with OE parts. Cut insurance costs up to 30%.
One membership. Zero downside.
Lower your insurance bill. Get cash for your deductible. Protect your car's value.
Keep your current insurance.
Select Your Current Deductible Amount.
Compare our membership plans to see how much you'll save!
“Is it true that I can save anywhere from 5% to 30% by raising the collision deductible of my auto insurance policy?”
Rising premiums? Stuck with deductibles? Losing value to cheap parts? Deductify fixes all three.
HERE’S A GOOD QUESTION
No one wakes up expecting to get into an accident — but when it happens, you shouldn't be left holding the bill.
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.
Deductify is a membership – not insurance – that pays your collision deductible and helps you lower your premium. Clean terms. Secure payments. No gimmicks.



Not insurance – membership pays your deductible benefit.
30-day grace period, vehicle photo validation, anti-fraud checks, full members portal.
Cancel anytime. No hidden fees. No fine print.
Payments processed by Stripe with bank-grade security.
Privacy-first data handling - SSL everywhere.
On-time payouts to members, Paypal, Zelle, Venmo, bank transfers. Approval within 48 hours.
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The Deductify Guarantee.
If you ever feel Deductify isn’t the right fit, you can cancel anytime – no questions asked. Our mission is simple: to help you keep your money in your pocket and take away the stress of paying a deductible.

Need help with your Deductify membership? Whether you have questions, concerns, or need guidance, our team is here to assist you. We believe in making everthing we do simpler—and that starts with reliable, hassle-free support.