Outcomes database

What negotiating a premium actually produced

An anonymised, ungated record of real before-and-after premiums. This page is built and the dataset is being assembled — what will be in it, and the rules a row has to meet to appear, are below.

Why this page is empty

Because the rows are real client outcomes and there is no honest way to produce them from anywhere else. Every figure on this page will come from a policy that was actually renegotiated, anonymised to the columns below, or it will not appear. A results table populated with illustrative numbers would be worth less than nothing — the whole value of the dataset is that it can be checked.

What each row will contain

Published columns
Column	What it holds
State	Two-letter code for the state the policy was rated in. Nothing narrower — no city, no ZIP.
Policy type	Car, home, boat or yacht.
Prior carrier	The company that held the policy before the review, named as a consumer would name it.
Outcome carrier	The company holding it now, or blank where the existing carrier repriced and the client stayed.
Premium before and after	Annualised, in whole dollars. Both figures, not just the saving.
Coverage held constant	Yes or no. Where no, one plain sentence saying what changed. Rows without this are not publishable.
Month negotiated	Year and month only. Day precision is not published.

Nothing finer than state and month is published, and no field in the dataset identifies a household.

The rules a row has to meet

Both premiums, annualised. A saving without the before and after figures is an assertion, not a result.
An explicit answer to whether limits, deductibles and endorsements were held identical — and where they were not, one plain sentence saying what changed.
No identifying detail: no names, no initials, no addresses, no policy numbers, no dates finer than the month.
Rows where the existing carrier repriced and the client stayed are included and labelled as such. They are the most common outcome and hiding them would misrepresent how this works.
No row is removed because it is unflattering. A results table that only shows its best days is an advertisement.

Check it yourselfThe validation in src/content/benchmark.ts enforces these rules at build time: a row missing a premium, a coverage answer or a valid state code fails the build rather than publishing a figure nobody checked.

How the numbers are worked out

The saving is the difference between the annualised premium before the review and the annualised premium after it, on the same policy. Where the term length changed — a six-month policy replaced by a twelve-month one, or the reverse — both figures are annualised before the comparison, because comparing a six-month premium to a twelve-month one is the most common way a saving is overstated.

Every summary figure is a median, not a mean. Negotiated savings are a skewed distribution: a small number of very large reductions pull an average to a number almost nobody actually experienced. The median is the number that answers “what is a typical result” honestly.

What this data cannot tell you

What you will save. Your result depends on your state, your carrier, your record, your coverage and how long it has been since anyone questioned the price.
Which carrier is cheapest. These are outcomes for policies people asked us to review, not a rate survey — and a rate survey is a different thing, requiring licensed data we do not hold and would not maintain honestly.
Anything about carriers not represented. An absent carrier means we have no published outcomes for it, not that it is good or bad.

For a rough estimate before any of this, the savings calculator is four questions and needs no email either.

Common questions

What is in the benchmark database?

Anonymised outcomes from policies AiM has renegotiated: the state, the policy type, the carrier that held the policy before, whether the client stayed or moved, the annual premium before and after, the first-year saving, and an explicit column stating whether limits, deductibles and endorsements were held identical. No names, no addresses, no policy numbers and no dates finer than the month.

Why does the table have a 'coverage held constant' column?

Because a saving bought by thinning coverage is not a saving, it is a transfer of risk to the client, and a results table that does not distinguish the two is marketing rather than data. Rows where the coverage changed are still publishable, but they carry a plain sentence saying what changed. Rows with no answer to that question are not published at all.

Do I have to give you my email to see the data?

No. The table is ungated, the filters work without an account, and nothing on this page collects an address to show you a number. The whole point of publishing results is that they can be checked, and a number behind a form cannot be.

Are these results typical?

They are the results we have, which is not the same thing. Every row is a policy somebody asked us to look at, which is a self-selected group — people rarely commission a review of a policy they believe is already cheap. The table reports the median rather than the mean for the same reason: a handful of very large reductions would pull an average somewhere no individual reader will land.

Can you guarantee I will save the same amount?

No, and any service that does is describing something it cannot know. Your result depends on your state, your carrier, your record, your coverage and how long it has been since anyone questioned the price. What we can say is what happened on comparable policies, which is what this table is for, and that the review costs nothing if it finds nothing.

What a review costs

25%: 25% of first-year savingsCharged once, on what we actually save you in year one.
$149: $149 flat fee for new-policy placementOnly where there is no existing premium to negotiate against — a first car, a newly closed home, a newly bought boat.
$0: $0 if we find no savingsNo retainer, no consultation fee, nothing to cancel.

Add your policy to it.

Send the declarations page. We price the same coverage across 50+ carriers and take the result back to your current carrier first. If we find nothing, you pay nothing and we say so. Either way you hear within 24 hours.

Get my free quote Talk to a negotiator

Takes 5 minutes · No card · $0 if no savings

25% of first-year savings · $149 flat fee for new-policy placement · $0 if we find no savings

Published outcomes are anonymised and individual results vary — see our Terms. Cumulative results across Car Concierge Pro and AiM services since 2019. Average annual saving is per negotiated policy. Individual results vary.