Pay less for insurance

Negotiate renewals, compare quotes properly and pick the right Medicare plan. Pick one, copy the prompt, and follow the steps.

What do these labels mean?
  • Free No cost at all.
  • Free option available Paid upgrades exist, but the free version works for this.
  • Costs money You pay a set price or subscription.
  • Takes a cut of savings Charges a percentage of what it saves you.
  • Time · Difficulty Our estimates for a typical first try, not guarantees.
  • Reported What the linked source says happened, often self-reported. Your results will vary.

ReportedRenewal cut by $472 (AUD) in ~30 min

Negotiate your car insurance renewal with an AI policy summary

Have AI summarize your renewal, suggest legitimate rating changes and benchmark rival quotes, then call your insurer with a script.

30–45 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

Reported£100 saved on each of two car policies

Compare insurance quotes apples-to-apples with AI

Paste multiple quotes into AI to line up coverage limits, deductibles and exclusions so you're comparing equal policies, not just prices.

1–2 hrs (estimated time)Medium difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

GuideSteps + prompt · no verified example yet

Compare Medicare plans with Plan Finder plus an AI summary

Use the official Medicare Plan Finder with your drug list, then have AI summarize the tradeoffs in plain language.

1–2 hrs (estimated time)Medium difficulty (estimate)

Free (No cost at all)

Insurance Shopping

ReportedHome insurance renewal £190 cheaper

Beat a home insurance renewal price hike with AI-guided shopping

When your renewal jumps, ask AI what to adjust (deductible, coverage details) and how to negotiate, then compare real quotes.

45–90 min (estimated time)Medium difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

GuideSteps + prompt · no verified example yet

Pick a renters insurance policy that actually covers your stuff

Renters insurance is often cheap, but coverage varies. Have AI compare quotes on personal property, liability and deductibles.

20–30 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

GuideSteps + prompt · no verified example yet

Work out how much term life insurance you actually need

Use AI to run a needs-based calculation (income replacement, debts, final expenses) instead of a rule of thumb, then compare term quotes.

30–45 min (estimated time)Medium difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

GuideSteps + prompt · no verified example yet

Compare pet insurance policies (and decide if it's worth it)

Pet policies differ on deductibles, reimbursement rates, waiting periods and exclusions. Have AI put them side by side.

30 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

GuideSteps + prompt · no verified example yet

Decide whether an umbrella liability policy makes sense for you

An umbrella policy adds liability coverage above your auto and home limits. AI can walk through your risk and the requirements.

20–30 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

GuideSteps + prompt · no verified example yet

Audit your auto and home policies for discounts you're missing

Have AI read your declarations pages and list discounts you may qualify for but aren't getting, then ask your insurer for them.

20–30 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

GuideSteps + prompt · no verified example yet

Check whether raising your insurance deductible actually saves money

A higher deductible lowers premiums but costs more when you claim. AI can run the break-even math with your real quotes.

10 min (estimated time)Easy difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

GuideSteps + prompt · no verified example yet

Compare ACA Marketplace health plans by total yearly cost, not just premium

Use HealthCare.gov (or your state's marketplace) for quotes and savings, then have AI estimate total yearly cost for your expected care.

45–60 min (estimated time)Medium difficulty (estimate)

Free option available (Paid upgrades exist, but the free version works for this)

Insurance Shopping

Other goals