Client Refund ROI - 40% back in your pocket (or let it grow) every year if you have no major claims or wrecks.  Guaranteed in every contract - not a gimmick - and you achieve that by bringing four people who also want Better Insurance.  Just direct them to the website, they sign up, and if they are approved, you lock in 40% Client Refund for as long as you are a member of Better Insurance.  

Bring Your 4 - referrals fuel growth;  4 confirmed clients = 40% refund, more than 4 referrals = more money in your pocket with sales incentives and bonuses.

Zero Accident Waiver - if you have never had a wreck, you only pay for the vehicle it costs the most to replace . . .  the rest of your vehicles are covered under that policy.  Why?  If you haven't wrecked your first vehicle, why should we charge you for a second or third wreck?

3‑Month Cap Limit - we have no deductibles, and we will NEVER charge our clients deductibles.  Instead, we put your money to work for you, including a minor claims process where your policy payments generate funds for small claims and incidental repairs that don't rise to the level of a full claim.  We pay those small claims with the money you invest in Better Insurance, and that value multiplies significantly over time.

URBs (Unrealized Risk Bonus) - On top of 40% back as a Client Refund, we also have a process where we reward the entire Better Insurance biosphere.  When the entire company reduces its total claims and liabilities, we send more money back to every client.  If we keep our wrecks and claims in any given year below 2%, every Client receives 80% Client Refund - 40% from the CR, and 40% from the URB.  The URB increments at 10%, so it is possible to receive a 50, 60, 70, or 80% refund to every Client if everyone drives safely and smartly year over year.

72‑Hour Claims Payments - if filed correctly, claims are paid fast.  Incomplete or fraudulent claims will be investigated, and will of necessity go beyond the 72 hour turnaround time for claims completion.  Good people deserve good service and response.  Bad people don't deserve a thing.  Fraudulent claims are grounds for termination and forfeiture of funds, as agreed to by contract.  

Preferred Vendor System - we keep a curated list of preferred vendors, you recommend and rate them, and they are rated on distinct categories that influence whether we use them again or send Clients in need to their competition.  We will stick up for you as a Client, but if you cause problems for good people by demanding excessive service, being entitled, or treating service personnel as if they are beneath you, we will blacklist you just as we would a bad vendor providing service.  If the vendor is in the wrong, we will handle that.  The money they will lose will speak more loudly than any tantrum you might throw.  

Ops Center Support - claims, sales, questions - one central point of knowledge and support.  

Principle Over Profit - it is criminal to force people to pay for a product and then give them nothing of benefit in return.  With Better Insurance, we change auto insurance from a continual cost increase system of punishment to a system of incentives for good drivers, with better service, better benefits, and a better means of taking care of every one of our Clients.  It's your money - shouldn't it be working for you?

No Bureaucracies - not in sales (no pyramids, scams, schemes, nada - you are responsible for your 4 and however many more), access to effective resolution, or accountability and doing the right thing.

Merit‑Based Insurance - incentives for good drivers rather than punishment or subsidizing bad ones. 

Expedited Claims Processing - Comprehensive, full‑service support through our centralized operations center.  Direct assistance when you need it most.  Through use of technology and centralized response systems and information processing, your claims are resolved quickly and effectively.  Our standard:  Resolve claims within 48 to 72 hours after receiving your complete Claims documentation.  

Contractual Client Relationships - rates and refunds guaranteed in contract.  No arbitrary price hikes or surprise fees.  Service and support locked in and agreed upon.  

Stable Pricing - no bait‑and‑switch, no hidden hikes, coverage aligned with state standards, and your rate stays the same every year even if you have an accident.  Wave Funding as a last resort option to temporarily increase revenues if disaster strikes.  

Client Refund Accessibility - use your refund to cover payments if life hits hard.  Let it build for emergencies, cover costs in case of job loss, or withdraw it to pay for Christmas for the kids.  It's your money - it should work for you.  

Healthcare Partnerships - Christian healthcare orgs are a stop-gap partnership for major bodily injury and recovery claims that exceed prescribed limits.

Transparent Processes - the Better Insurance Claims process flow is publicly accessible for reference and guidance.  Clients influence outcomes with honor-based actions and thorough detailed reporting to achieve the best outcomes.  Better Insurance benefits aren't just talk - they are codified and enforced by contract.  We don't run from accountability - we march toward it with dedicated effort to make the situation better.  

Lower Rates as the standard - 99.96% of our quotes are 10% or more below what you are paying right now to the other guys, locked-in rates, plus 40% back every year you are accident‑free.  The value is incomparable, but we will never force you to make a good business decision with your finances.  Either you are smart enough to be the 1 in 4 that gets it, or the 3 in 4 that prefers the comfortable exploitation of tradition and the way things have always been.  

More Benefits per Dollar spent than any other insurance company - Client Refunds.  NO deductibles.  Zero Accident Waivers.  URBs.  No price increases as the standard over time or even when you have an accident . . .  No one can match the benefits we provide our Clients.  Why?  Because every other insurance company is finding ways to invest the dollars you give them so they can make a profit.  We exist to find ways to make your money (that you are forced to pay) work for you.  Even if you die because of an auto accident, your next of kin will receive your Client Refund balance and a Death Benefit that is part of every tier and policy we carry.  From beginning drivers to the grave, we simply do it ALL better than it has been done in 100 years of auto insurance.  

Honor Above All - If you have had a wreck in the past, own it.  Don't lie.  We can handle mistakes.  What we won't tolerate is dishonor - on our part or yours.