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!
“Is it true that I can save anywhere from 5% to 40% by raising the collision deductible of my auto insurance policy?”
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.Â
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.
Some will save more than others in their auto insurance bill. Raising your collision deductible by:
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$500 typically saves 5%-10%
$1,000 typically saves 10%-20%
$1,500 typically saves 20%-40%
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
“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 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.
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We GET it.
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.
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.
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 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.
Don’t let another insurance monthly cycle pass you by with a higher bill. Especially when fixing it can be this easy.
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 need support. Schedule a call with us using the button now.