Everything people ask, in one place

The declarations page of the policy you already hold -- the one-page renewal summary your carrier mails or emails you, listing the vehicles, property or vessel, the coverages, the limits, the deductibles and the premium. That is the whole requirement. Send the form, then reply to your confirmation email with the page attached.

Yes, and it is worth checking rather than estimating. The premium you pay today is the number every saving is measured against, and our fee is a share of the difference, so an inaccurate starting figure makes the result meaningless. It is printed on the declarations page you are sending anyway.

Three to four weeks before your renewal date is the comfortable window. It leaves time to correct rating errors and to negotiate rather than scramble, and many carriers price an advance quote more favorably than a same-week one. If your renewal is inside a week, call rather than using the form.

Then there is no premium to negotiate against, so the work is different and so is the price: $149 flat fee for new-policy placement. Only where there is no existing premium to negotiate against — a first car, a newly closed home, a newly bought boat.

No. AiM Insurance is an independent insurance negotiation service, and a product of Car Concierge Pro. We do not underwrite, issue or sell policies, and we never become a party to your contract. The policy stays between you and your carrier, and you pay the carrier directly -- we do not collect or remit premium.

No. We hold no appointment with, and no endorsement from, any insurance carrier. Where a carrier or a manufacturer is named on this site -- in an article title, a results table or a coverage explanation -- the name is the property of its owner and is used only to describe the coverage being discussed.

No, and the difference is the whole method. A comparison marketplace hands you a list of quotes and is paid for the click. We start from the policy you already hold and price the same coverage at the same limits. We take the market result back to your current carrier first, because retention departments usually discount rather than lose a policy. If another carrier genuinely beats them on identical coverage, we show you both prices side by side and you decide.

AiM is based in Scottsdale, Arizona. Service area is USA, Canada & UAE. Everything happens by email and phone -- there is nothing to visit and nothing to install.

Four lines are live: car, home, boat, yacht. Private jet is a waitlist, not a live service -- see the next answer. We do not handle commercial or business lines, employer liability, health, life or trucking fleets.

No. Private jet is a waitlist until Q3 2026. Aviation binders are still being finalized, so no jet policy can be quoted, negotiated or bound right now, and anything that suggests otherwise is wrong. You can join the waitlist to be onboarded first when the program opens; many waitlist members start with a yacht or car review in the meantime.

We do not know whether you are overpaying until the comparison is run, and finding out that you are not is a legitimate outcome. If your policy is already priced correctly for your profile, the report says so, you owe nothing, and you have an answer nobody selling you a policy has a reason to give you.

It is used to get quotes on your behalf, which is the work you are asking for, and shared with carriers and brokers for that purpose only. Our Privacy Policy states that we do not sell personal information and do not share it for cross-context behavioral advertising.

No. Nothing changes -- not the carrier, not the limits, not the effective date -- without your explicit approval. The comparison is information. The decision is yours, and declining it costs nothing and closes nothing.

No, and we would rather say so than imply otherwise. Cumulative results across Car Concierge Pro and AiM services since 2019. Average annual saving is per negotiated policy. Individual results vary. Those are our own reported results across Car Concierge Pro and AiM. We publish no review or aggregate-rating markup, because self-published review markup is exactly the signal a reader should not trust.