See what changed before you pay your renewal.
Compare your renewal bill and policy declaration pages locally in your browser. Reconcile term premiums, installment fees, and deductible differences — getting document facts without sharing sensitive files.
The 3-Document Reconciliation Method
Most drivers only look at the total amount due on their bill. Our local engine reconciles the three essential documents you receive at renewal to uncover the facts:
Prior Declaration Page
Captures your established baseline: vehicles, drivers, liability limits, deductibles, and discounts from your expiring term.
Renewal Declaration Page
Extracts upcoming policy terms, revised limits, changed deductibles, or modified endorsement schedules.
Renewal Bill & Schedule
Distinguishes stated policy premium from down payments, monthly installment fees, prior credits, and amount due.
Objective & Factual States
Every field is classified into one of four deterministic states with exact source-page citations.
Two confirmed like-for-like fields differ between terms (e.g. Collision Deductible changed from $500 to $1,000).
Confirmed like-for-like values match across both policy periods (e.g. Bodily Injury remains $250k/$500k).
Vehicle matching, date period, or payment plan schedule has multiple possible interpretations and requires user verification.
A field was not detected in the summary declaration page. Never assumed to be deleted or removed from the underlying contract.
What this tool can establish
- ✓ Exact mathematical differences in stated term premiums and deductibles.
- ✓ Whether your billing statement reflects installments, fees, or full-pay.
- ✓ Source-cited evidence by PDF page number for carrier inquiries.
- ✓ Neutral, objective questions to ask your insurance representative.
What this tool cannot establish
- ✕ Internal actuarial rating models or carrier-specific rate filing reasons.
- ✕ Legal or insurance advice regarding whether your coverage is "adequate".
- ✕ Claims dispute resolution, cancellation notices, or binding quotes.
- ✕ Full policy wording changes beyond the declaration page summary.
Reconcile your renewal in five minutes.
No account creation. No insurer passwords. No file uploads. Simply select your documents to generate your private Renewal Action Packet.