New member guide

Welcome to Deductify.
Let's get you set up.

Three simple steps and you're ready: log in, register each vehicle, then raise your deductible to start saving on your premium. It takes about 10 minutes per vehicle.

Elfie, the Deductify elephant
Step 1

Log in to your member portal

Your member portal works on your phone or computer. Using your phone is easiest, because you'll take your vehicle photos with it.

1

Open app.deductify.com

Or tap Sign In at the top of deductify.com.

2

Sign in

Use the email and password you created right after checkout.

💡
Phone tip: once you're logged in, use your browser's "Add to Home Screen" so Deductify opens like an app next time.
Step 2

Register each vehicle

Do this once for every vehicle on your membership. Your 30-day waiting period starts when each vehicle is approved, so the sooner you register, the sooner your benefits start.

1

Tap Register Vehicle

On your dashboard, or the Register tab in the bottom menu.

2

Enter your 17-character VIN, then tap Enter

We fill in the year, make and model for you. Double-check they're right.

3

Add plate, state and color

Your license plate number, the state it's registered in, and the vehicle color.

4

Insurance company Optional

Helps us check things faster if you ever have an accident.

5

Current collision deductible Optional

What your collision deductible is today.

6

Take your 8 photos, then Submit

Tap Upload Pictures, take one photo for each angle, tap Upload, then Submit.

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Where's my VIN? Look through the windshield at the bottom corner on the driver's side, or check the sticker inside the driver's door. It's also on your insurance card and registration.
Photo guide

8 photos, all the way around

The app asks for one photo from each of these angles. Clear photos get approved fastest.

1Front
2Right front
3Right side
4Right rear
5Rear
6Left rear
7Left side
8Left front
✓
Stand 4–8 feet away so the whole side of the vehicle fits in the photo.
✓
Take them in daylight or a well-lit spot.
✓
Keep the phone steady and make sure each photo is sharp.
✓
Show the whole vehicle as it is today, including any dents or scratches it already has.
✕
No night or blurry photos. If we can't see the vehicle clearly, approval takes longer.
✕
No old photos or screenshots. Take new photos of the vehicle as it is today.
What happens next

From submitted to eligible

You'll get an email at each step, and your member portal always shows where each vehicle stands.

📤
Today

You submit

Your vehicle shows as "Pending approval."

🔍
24–48 hours

We review

Our team checks your VIN and photos.

✅
Approved

Waiting period starts

My Vehicles counts down: "Eligible in 30 days."

★
Day 30

You're eligible

Your vehicle shows "Eligible now." Your deductible benefit is ready.

Step 3

Raise your deductible and pocket the savings

This is where you save money. A quick call to a live agent usually gets you the best price, better than clicking around online.

Your call script

"Hi, I'd like to raise the collision deductible on my policy. Can you quote my new premium at $1,000, $1,500 and $2,000? Please keep my comprehensive deductible and all other coverages exactly the same." Ask for all three numbers. Many agents skip the $2,000 quote unless you ask twice.

Match your deductible to your plan

Raise your collision deductible up to your plan's limit:

Basic
up to
$500
Lite
up to
$1,000
Pro
up to
$1,500
Max
up to
$2,000
💰
Always ask about $2,000. If the savings are big, you can upgrade to Deductify Max in your member portal. Upgraded limits start after a new 30-day waiting period.
📅
Timing matters: ask your insurer to make the higher deductible start on or after the day your vehicle shows "Eligible now" in your member portal. That way you're never paying a higher deductible on your own.
Good to know

If you have a collision

File your claim with your insurance company first. Then request your deductible from Deductify in your member portal. It only takes a few minutes.

Have this ready

  • Your insurance company and claim number
  • The date of the accident
  • Your collision deductible amount
  • The body shop handling the repair
  • A few photos of the damage
  • How you'd like to be paid

How to request it

1

Log in and tap File Deductible Request.

2

Pick the vehicle, fill in the details and add your photos.

3

We review it, usually within 24–48 hours, and email you when it's approved and paid.

Questions? We're here to help.

Email support@deductify.com and we'll get back to you.

Go to My Member Portal →

Deductify is a membership program, not insurance. Benefits are paid up to your plan limit per vehicle after the 30-day waiting period and are subject to the Membership Agreement. Premium savings vary by insurer and driver.