Your renewal went up. See by how much.
Put in what you paid and what the renewal asks. Get the increase in dollars and percent, per year. Add quotes you've gathered and read them all on the same 12-month footing.
Quotes you've gathered
Give each quote a label you'll recognise. A 6-month quote is doubled to a yearly figure; a 12-month quote is used as is.
These are made-up example numbers so you can see how it works. Type yours over them.
The full Renewal Pushback kit — $15
One payment. Instant access, kept for at least 120 days.
- As many quotes as you've gathered, not just 2
- Coverage-gap flags: where a lower-priced quote has a higher deductible or lower limits than your renewal
- A phone call script for your current insurer, built from your own numbers: why the price changed, which discounts to ask about, and a request to re-quote your coverage
- A printable comparison sheet and a printable call script
Example quote costs $160 a year less than the renewal, but…
- its collision deductible is $1,000 and the renewal's is $500: $500 more out of your pocket in a claim
- its bodily injury limit is $50,000 per person and the renewal's is $100,000
All sales are final, so try the free comparison above first.
Your coverage details
Type what your renewal covers, from your policy's declarations page. Leave a field blank if it doesn't apply. Each quote has the same fields above, under its price.
Coverage check
Comparison sheet
Your call script
How the math works
- Increase = renewal premium − last term's premium. Percent = increase ÷ last term's premium.
- Annualized = the per-term figure scaled to 12 months. A 6-month premium is multiplied by 2. Last term and the renewal are assumed to be the same length.
- Numbers are read US-style (1250 or 1,250.50). A format that could mean two things, like 12,50 or 1.250,50, is rejected with a message instead of guessed.
- Each quote is put on the same 12-month footing, then set against your renewal. "A year below your renewal" means the premium alone is lower.
- Premiums only. Fees, taxes, payment-plan charges and mid-term changes are not included.
- Coverage flags compare only the numbers you typed, field by field. They don't read policy wording, exclusions or endorsements. A line that can't be compared (a percentage deductible, a limit that looks like it was typed in thousands, or an unreadable number) is listed as not compared, never passed as fine.
- Everything runs in your browser. We don't see or store your numbers.
Questions
What do I get for $15?
The full kit: unlimited quotes, coverage-gap flags, a call script built from your numbers, and a printable comparison sheet and script. The free calculator above runs the same math for the increase and up to 2 quotes, so you can check it works for your numbers before you pay.
Can I get a refund?
All sales are final because the kit unlocks instantly. If you were charged twice, or the kit won't open after you've used the resend link below, email us and we'll refund it.
I paid but lost my access, or I'm on another device.
Can you tell me what to do?
No. We're a tool, not advice. We don't recommend any insurer, policy or action, and we can't say whether a different price is right for you. We show the math and the questions; you decide.
Will calling lower my price?
We can't say. We don't promise any outcome. The script is a list of questions to ask; what an insurer can offer is up to the insurer.
Where can I get free help or file a complaint?
Your state insurance department handles consumer questions and complaints. The NAIC's official map links to each one: content.naic.org/state-insurance-departments.
What are the limits of this tool?
It compares premiums and the coverage numbers you type. It doesn't read your policy, so exclusions, endorsements, fees, taxes, claim history and policy wording aren't included. Two quotes with the same numbers can still differ in what they cover. Check every quote with the insurer before you decide.
Not advice
Renewal Pushback is a calculator and organizer, not insurance, legal or financial advice. We don't sell, broker or recommend insurance, and we aren't a licensed agent. We aren't connected to any insurer, state insurance department or government agency. For help, contact your state insurance department through the NAIC's state map or a licensed professional. Our spokesperson in videos, Delphine, is an AI character.