Raise Your Deductible to Slash Your Auto Insurance by up to 40% Because We’ll Pay Your Collision Deductible Up to $2,000 When An Accident Happens

NOw also includes animal hit deductibles! 🦌

We don’t replace your car insurance, our membership makes you deductible-proof and pays for itself by helping you save on your car insurance — depending on insurance company, up to 40% with our Max plan — leaving extra money in your pocket every month. When you have an accident you pay $0 of your deductible, saving you up to $2,000 or more if it happens more than once per year!

NEVER PAY YOUR DEDUCTIBLE AGAIN
Perfect for New or Experienced Drivers
Trusted by Families
No Complex Insurance Gimmicks
Works With Your Auto Insurance
No Long-Term Contract
Works in All 50 States
How Much Others Are Saving
Get Set Up In Minutes
our membership Works with all auto insurance companies
plus 105+ more

More Money in Your Pocket, Less Stress on the Road – A Membership That Pays for Itself

Forever Deductible-Free
Stop worrying about unexpected deductible costs. With Deductify, you’ll never pay your collision deductible again. Your membership eliminates deductible stress completely.
Keep More of What You Earn
Save up to 40% on your monthly insurance with our Max plan—enough to cover our membership (and then some). In other words, our membership pays for itself!
Family-Wide Protection
Have multiple drivers in the household? Simplify and reduce the total cost for everyone. One membership per vehicle in your household means fewer money worries—no matter who’s behind the wheel.
Swap Stress for Peace of Mind
Don’t sweat every ding, scrape or accident—we handle those big out-of-pocket deductible surprises, freeing you to actually enjoy the drive.

Need to confirm our bold claims?
‍Ask any AI! Really.

Copy/Paste this prompt or press the button below and come back when you are ready!

“Is it true that I can save anywhere from 5% to 40% by raising the collision deductible of my auto insurance policy?”

Check now

One Deer can Cost Thousands—But Not With DEDUCTIFY

No More Stress About Animal Hit Accidents

Every driver knows the anxiety of driving on dark roads or highways packed with wildlife. Animal hits aren't just common—they're costly. Thousands of drivers every year are blindsided by unexpected animal collisions, facing hefty deductibles out-of-pocket. In fact, animal hits cost U.S. drivers over $4 billion each year. 

With Deductify, animal hits are no longer your problem. Our membership pays for deductible due to animal hits while driving, putting up to $2,000 back into your pocket. It’s one more way we keep your wallet protected, your mind at ease, and your savings intact.

Zero Deductible Worries for Animal Hits
Included Automatically in Every Deductify Membership
Pays up to $2,000 on Animal Hit Deductibles with our Max Plan
An Added Bonus to an Already Self-Paying Membership

Savings Calculator

We believe in radical transparency—so here’s how much you could free up each month and each year by raising your collision deductible
...with no hidden catches.

Some will save more than others in their auto insurance bill. Raising your collision deductible by:
‍
$500 typically saves 5%-10%
$1,000 typically saves 10%-20%
$1,500 typically saves 20%-40%

Deductify Calculator

Number of Cars

Choose how many vehicles are in your policy

1
2
3

Current Monthly Premium

Slide to your current total monthly insurance cost

$210

Current Collision Deductible

Most Americans have $500—what about you?

$250
$500
$1,000

Deductify Membership

Would you like to pay monthly or yearly?

Monthly
Yearly

Insurance Average Gross Monthly Savings

This is how much you can potentially save every month by raising your deductible.

Lite

$0 - $0

Pro

$0 - $0

Max

$0 - $0

Insurance Lifetime Net Savings

Look ahead a year—or ten—and see how much you could save in your auto insurance over the years by raising your deductible.

1 Year
3 Years
5 Years
10 Years

Lite

$0 - $0

Pro

$0 - $0

Max

$0 - $0

Your Savings if You Have an Accident

If you get into an accident within the selected number of years, the number below shows how much money you'd be ahead. We assume one accident per vehicle, then subtract what you paid for Deductify from the total payout.

1 Year
3 Years
5 Years
8 Years

Lite

$0

Pro

$0

Max

$0

Get Set Up In Minutes

🤦
‍
Big Auto Insurance Designed a System You Can’t Win… On Your Own

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

See How the Insurance System Stacks Up Against Your Real Needs—and How DEDUCTIFY Helps You Win

The Harsh Truth

With DEDUCTIFY

“Why do I have to pay a deductible even after I pay such a high premium? It’s not fair.”
‍You're absolutely right—traditional auto insurance traps you in a lose-lose scenario. You pay sky-high premiums and still have to fork over a hefty deductible when you least expect it.

Stop being punished for accidents. Raise your deductible to cut your monthly premium dramatically, and we will handle your deductible costs—up to $2,000 per incident. Fairness restored.

“Why should I get penalized and have to pay my deductible when someone hit my parked car?”
‍Big insurance doesn't care who's at fault—you're still stuck paying your deductible out of pocket, even when you're the victim.

We believe accidents shouldn't drain your wallet, especially when it's not your fault. We'll cover your deductible up to your chosen membership limit, keeping your money where it belongs—with you. You are not the victim anymore.

“What happens if I don't have the money to pay my deductible?”
‍A costly deductible can force tough financial choices or even debt just to get your car back on the road.

Never worry about scrambling for funds again. We pay your deductible directly—no surprises, no stress. You’re always ready, even when your wallet isn’t. We'll get you back on the road.

“Why should I be responsible for the deductible even when my car is a total loss?”
‍Totaling your car is stressful enough. Traditional insurance hits you again by forcing you to pay a deductible before settling your claim.

We eliminate that extra burden by paying your deductible, giving you one less thing to worry about during tough times. You should get the full value of your car, that's why we're here—to pay that deductible that was taken from you.

“Is a deductible used as a deterrent so I don't get my car repaired?”
‍It sure feels like it. Insurance companies profit when you skip repairs due to high deductibles, leaving you driving a damaged car.

Big insurance companies hope you don't get your car repaired because it will cost them more when your car goes to a body shop. With our membership you can get your car repaired confidently. By paying your deductible for you, we ensure safety and peace of mind, putting you—not profits—first.

We Built DEDUCTIFY to Fix the One Big Thing Insurance Companies Don’t Want to Talk About

68% OF DRIVERS SAY THEY CAN’T AFFORD A $2,000 DEDUCTIBLE WITHOUT GOING INTO DEBT

We were expert insiders and we saw first hand how the system worked. Frankly, we grew tired of watching everyone, families included,  get crushed by monthly bills and deductibles they could barely afford.  Why are we paying so much for insurance, only to get slammed with massive repair costs after an accident? It's baffling—and, frankly, infuriating.

We wondered: What if we could raise deductibles to save on premiums, AND avoid a huge out-of-pocket risk? That’s how DEDUCTIFY was born—simple math, expert know-how, with a dash of peace of mind.

The typical insurance system forces a losing choice: your premium or your wallet—pick one. DEDUCTIFY changes that. We built a straightforward membership for everyone—whether you’re a new driver, a busy parent, a professional, or earning on the road—not to replace your auto insurance, but to solve what standard insurance doesn’t—the deductible problem.  It’s time you kept more of your money and had someone who truly has your back.
‍
We GET it.

For Every Kind of Driver

EASY & HASSLE-FREE
HERE’S A GOOD QUESTION…

When Do You Typically Pay Your Collision Deductible?

Even a tiny scrape can turn into a hefty bill under collision coverage.

‍Here’s when you normally pay it:

Accidents with Another Vehicle

Fender-benders, T-bones, or other collisions.

Single-Vehicle Mishaps

Mailbox, tree, guardrail, you name it.

Hit-and-Run Incidents

Parked or driving, if the other driver flees.

Multiple-Vehicle Pileups

Chain reactions can hurt more than your pride.

Collisions with Cyclists or Pedestrians

Involving a person on foot or bike.

CUT INSURANCE COSTS, KEEP THE COVERAGE, AND FORGET THE DEDUCTIBLE.

You take control—Here’s How

1
Join The DEDUCTIFY
Community

Set up your membership in minutes.

2
Watch Your
Monthly Bill Drop

Raise your deductible to see immediate premium savings up to 40%.

3
Enjoy Saving,
Stress-Free

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

Put Your Worries in Park—Our FAQ Explains Everything

NO STRESS, JUST CLARITY.

Getting Started & Eligibility
How It Works
Membership & Payments
Who can join Deductify, and does my driving history matter?
Can I become a member without registering a vehicle?
Why do I need to submit photos when I register my vehicle?
How do I actually lower my insurance using Deductify?
How does Deductify work with my current insurance? Do I need to switch insurance companies to use Deductify?
What if my collision deductible is only $250, $500 or $1,000 right now?
Is Deductify's deductible payment a loan I have to pay back later?
Will you pay the repair shop directly or me if I have an accident?
What’s the typical timeframe for getting my collision deductible payment?
What if I already have an open collision claim before joining?
Does Deductify cover comprehensive deductibles too?
Can I add or replace vehicles under my membership?
Can I cancel whenever I want?
How many claims can I file?

Ready to Outsmart Those Overpriced Premiums Without the Risk?

We Pay Your collision Deductible. You Save Big—No Gimmicks

Our case is simple: Raise your collision deductible up to $2,000 to save up to 40% on your monthly auto insurance premium, and let us handle the big, scary deductible payment whenever an accident happens, so you’ll never feel blindsided again. It’s a straightforward way to keep more of your money each month—without the risk of a nasty surprise payment after a collision, all while being a net-positive membership.

Get Set Up In Minutes
Simple Online Enrollment
Keep More of Your Money
Fits Any Insurance Policy
Works in All 50 States
Cancel Anytime, No Hidden Charges

Let's Lock in Lower Premiums and Ditch Unexpected Out-of-Pocket Bills

Don’t let another insurance monthly cycle pass you by with a higher bill. Especially when fixing it can be this easy.

2 MONTHS FREE
Monthly
Yearly
DEDUCTIFY LITE
$10.99
No surprises, ever.
With Deductify Lite:
We pay you up to $1,000 of your collision deductible per claim
We pay up to $1,000 on deductibles for animal hits
Ideal for quick monthly savings and everyday peace of mind
Typically saves you 5%-10% when raising your collision deductible by $500
Add additional vehicles for $10.99 each
Pays for itself after insurance discount
Monthly Tips and Discounts for car expenses
Bills once every 4 weeks
Get DEDUCTIFY LITE
DEDUCTIFY PRO
$15.99
No surprises, ever.
With Deductify Pro:
We pay you up to $1,500 of your collision deductible per claim
We pay up to $1,500 on deductibles for animal hits
Greater peace of mind with elevated deductible payments
Typically saves you 10%-20% when raising your collision deductible by $1,000
Add additional vehicles for $15.99 each
Pays for itself after insurance discount
Monthly Tips and Discounts for car expenses
Bills once every 4 weeks
Get DEDUCTIFY PRO
Deductify MAx
$19.99
No surprises, ever.
With Deductify Max:
We pay you up to $2,000 of your collision deductible per claim
We pay up to $2,000 on deductibles for animal hits
Max out your monthly savings and gain ultimate deductible payments
Typically saves you 20%-40% when raising your collision deductible by $1,500
Add additional vehicles for $19.99 each—great for families.
Pays for itself after insurance discount
Monthly Tips and Discounts for car expenses
Bills once every 4 weeks
Get DEDUCTIFY MAX
DEDUCTIFY LITE
$109.99
$9.17 p/month
No surprises, ever.
With Deductify Lite:
We pay you up to $1,000 of your collision deductible per claim
We pay up to $1,000 on deductibles for animal hits
Ideal for quick monthly savings and everyday peace of mind
Typically saves you 5%-10% when raising your collision deductible by $500
Add additional vehicles for $109.99 each
Pays for itself after insurance discount
Monthly Tips and Discounts for car expenses
Bills once every 12 months
Get DEDUCTIFY LITE
DEDUCTIFY PRO
$159.99
$13.33 p/month
No surprises, ever.
With Deductify Pro:
We pay you up to $1,500 of your collision deductible per claim
We pay up to $1,500 on deductibles for animal hits
Greater peace of mind with elevated deductible payments
Typically saves you 10%-20% when raising your collision deductible by $1,000
Add additional vehicles for $159.99 each
Pays for itself after insurance discount
Monthly Tips and Discounts for car expenses
Bills once every 12 months
Get DEDUCTIFY PRO
deductify max
$199.99
$16.67 p/month
No surprises, ever.
With Deductify Max:
We pay you up to $2,000 of your collision deductible per claim
We pay up to $2,000 on deductibles for animal hits
Max out your monthly savings and gain ultimate deductible payments
Typically saves you 20%-40% when raising your collision deductible by $1,500
Add additional vehicles for $199.99 each—great for families.
Pays for itself after insurance discount
Monthly Tips and Discounts for car expenses
Bills once every 12 months
Get DEDUCTIFY MAX

Why not start cutting costs this month?

Join now and enjoy peace of mind—and bigger savings—before your next payment is due.

Ready to Jump Right In?

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.

Get Set Up In Minutes
Still unsure? Need Support?

We're here for you! We get it—sometimes you just want a real human to confirm you’re making a smart move or need support.

Start a conversation with us now using our chat!

Whether you're a new driver, a busy parent, or simply tired of paying too much for too little, DEDUCTIFY is here to put you back in control, and we're ready to help you save big.

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