Frequently Asked Questions

We use Canopy Connect, a secure, read-only connection to your current insurer. We never store your login credentials — Canopy Connect acts as a secure intermediary, like how banking apps connect to your financial institution. Your password stays entirely with you.

Yes, completely free. We're compensated by carriers when you choose to switch through Podium — similar to how a fee-free mortgage broker works. You pay nothing, regardless of whether you switch or not. Your comparison is yours to keep either way.

No. We use insurance-score data to facilitate rate comparisons, not hard credit pulls. Insurance inquiries are treated differently than credit applications and do not appear on your credit report or affect your score.

We compare 40+ carriers, including all the major national carriers and regional leaders in your state. The exact list varies by state — we display every carrier available to your zip code so you always know you're seeing the full picture.

No problem at all. Your results are yours to keep — no pressure, no follow-up calls, no expiration on your comparison. Knowing what you could save is valuable information even if you decide to stay with your current carrier. We'll never pressure you to switch.

Yes. Because we start with your actual policy data, the rates carriers return are real — not ballpark estimates based on generic assumptions. Traditional comparison tools ask you to self-report your coverage; we read it directly. That's the difference between an estimate and an actual quote.

After connecting your policy through Canopy Connect (about three minutes), we build optimized coverage profiles and submit them to competing carriers overnight. Most drivers wake up to their ranked results by the next morning.

Yes. All data is encrypted in transit and at rest using AES-256 encryption. We follow SOC 2 aligned security practices. We never sell your personal information to data brokers, advertisers, or third parties. We share only the data necessary to obtain quotes — with the carriers you're comparing.

We're launching in Massachusetts first, with licensure in progress. We plan to expand to additional states — enter your email and we'll notify you when we go live in your area.

Once you pick your winner from your ranked results, we handle the paperwork and coordinate your switch. We time the transition so your new policy starts the same day your old one ends — your coverage never lapses. Most switches are complete within 24 hours.