Free tools
Useful without handing over anything
Three things you can use right now with no account, no email and nothing submitted. If you never hire us, these are still the parts worth having.
- Renewal review letter generatorBuilds a letter and a matching phone script from the issues you found on your policy, asking your insurer for specific actions rather than a better price.Use it when: When a renewal notice has arrived and you have found things on the declarations page that are wrong or missing.What it costs you: Nothing submitted. The letter is assembled in your browser.
- Declarations page checklistEvery field to check on a car or home declarations page, as one printable sheet with room to write discrepancies in the margin.Use it when: Before you call your carrier, or before you ask anyone for a competing quote.What it costs you: No download and no email — it prints from the page.
- Savings calculatorFour questions and a benchmark against what our negotiators typically achieve on comparable policies at the same coverage.Use it when: Before you decide whether a review is worth the effort at all.What it costs you: The estimate is worked out in your browser; no email for the number.
Start here
If you only do one thing, print the declarations page checklist and work down it with your policy in front of you. Most of what a renewal review finds is on that page, and everything else on this site works better once you have read it.
Why none of this is behind a form
Because a tool you have to pay for with an email address is not a tool, it is a lead form wearing one — and because the method here is genuinely not the product. Anyone can run the checklist, send the letter and keep every dollar it produces. What we sell is doing it for you, at every renewal, across 50+ carriers, by somebody who is not emotionally attached to the policy.
If the free version gets you there, that is a good outcome. If it tells you the policy is fine, that is also a good outcome, and it is the one we would have told you.
Common questions
Are these tools really free?
Yes, and none of them requires an email address to produce a result. There is no account, no trial and no limit on use. They exist because the most useful thing this business can do for somebody who is never going to hire it is hand over the method — and because a tool behind a form is a tool nobody links to.
Do you store what I type into them?
No. The renewal letter generator and the savings calculator both run entirely in your browser, and nothing you enter is transmitted anywhere. If you close the tab, it is gone. The only time we receive anything is if you deliberately fill in a quote form.
Which one should I use first?
The declarations page checklist, almost always. Every other tool and every piece of advice on this site works better once you have read your own policy properly, and most of the money in a renewal review is found on that page rather than in a calculator.
Or skip the tools.
Send the declarations page and we will do all of it — read every field, price the same coverage across 50+ carriers, and take the result back to your current carrier first. Free to find out, answer either way within 24 hours.
Takes 5 minutes · No card · $0 if no savings