The President and Founder of Better Insurance spent 31 years as an excellent driver - never had a wreck, never needed insurance, but paid thousands of dollars with nothing to show for it but another bill. Since auto insurance is required by law to drive, the mandate became clear: When insurance is mandatory, value is no longer optional - it’s obligatory.

We have 9 distinct features that set us apart from every other auto insurance company. Those features are: 1. Contractual client relationships 2. Merit-based insurance 3. Client Refund ROI 4. Wave Funding Model 5. Expedited Claims Processing Using Technology 6. No Deductible (3-month cap limit) 7. Preferred Vendor relationships 8. Unrealized Risk Bonuses 9. Stable Pricing

You can become a full client at the age of 18.Because each client is contractually obligated via an indefinite contract between Better Insurance and themselves, it is not possible for a minor to enter into a legally binding contract. Before the age of 18, you can be added to your parent’s policy / contract with no issues.

Our policies are ideal for leased or financed vehicles because we base premiums on replacement value and reward good drivers through the Client Refund - even when you don’t fully own the car. Whether you lease, finance, or own outright, our contracts are structured to meet lender requirements while maximizing value. We’ll help you tailor your coverage so you’re fully protected and fully compliant.

Because it’s built on math, not hype. We’ve means-tested the model, scaled it against real-world scenarios, and eliminated every unnecessary cost driver. No gimmicks. No games. Just a better way to do insurance - because when it's mandatory, value is obligatory. You’re welcome to wait until your friends, family, neighbors, and co-workers start receiving their Client Refunds. Nothing wrong with being the last person on the block to see the bigger picture. We’re doing insurance differently - and after decades of industry grift, a little skepticism is fair. So here’s what we’ll do: We’ll give you a quote, offer a contract when you're ready, and you can take your sweet time like a newborn learning to walk before you jump in and run with the buffalo. Life is precious at every stage. So is doing things the smart way. We will still be here when your doubts have faded, and your frustration with traditional insurance is bigger than your fears of something new.

The most compelling benefit is 40% return on what each client pays for every year they don’t have a wreck or major claim. In addition to that benefit, we baseline insurance policies to standardize costs and keep those costs stable, there are no deductibles, no credit score valuations (your credit score doesn’t determine your ability as a driver), direct access and input to the claims process, and a nationwide roster of claims agents, claims adjustors, and preferred vendors for repair and mechanical / medical support.

Every Better Insurance client contributes to an Unrealized Risk Bonus (URB) simply by driving responsibly. If, at the end of any calendar year, the Claims Pool retains at least 8% of unspent funds after covering all scheduled liability payouts and projected claims, a URB is triggered. The following year, every client receives an equal distribution of that surplus added to their Client Refund account. Even if you had a wreck and forfeited your Client Refund, you’ll still receive the URB - because system-wide risk reduction is a shared win.

Absolutely. Not just exotics, but the classics, the collectibles, the need-for-speed thrills, the jacked-up hunting trucks, the tuned-out street mods - even your occasional Fast and Furious special. We insure based on Replacement Cost - with balanced thresholds projected over time. If you’ve got after-market mods or specialty add-ons, let us know up front. We’ll factor them into your coverage and make sure your insurance works for you. One rule: we insure good drivers. If you wreck your special ride every time you hit the gas, you’re not our kind of people.

We operate on smart accounting principles, not bloated budgets. No shareholders. No inflated executive salaries. No wasteful ad spend. No gimmicks. Just better business. Our model is lean, mathematically sound, and built on scalable risk, efficient operations, and contractual accountability. This is how mandatory insurance should have been all along - putting Principle over Profit.

We insure based on total replacement cost of your vehicle determined by multiple factors. If you have never had a wreck, we insure all of your vehicles at the rate it would cost you for your most expensive vehicle – we don’t charge you for the additional vehicles until you have wrecked at least one of them. Once a wreck has occurred, the policy begins with the most expensive vehicle based on our actuary table assessment, and then an additional $30 – 2 vehicles, $50 – 3 vehicles, and $60 – 4 vehicles. Beyond 4 vehicles, the cost will increase by an additional $10 per vehicle. Commercial fleets are evaluated separately, and not subject to the same multiple driver pricing standards.

Nothing happens to you. Merit and individual accountability are at the core of our system. We don’t punish one person for another’s actions - this isn’t collectivism. If someone you referred exceeds the allowable number of wrecks or breaks their contract and gets dropped, you don’t lose your 40%. Their choices are their own. If this happens with more than one – or all four of your referrals – we suggest getting a new set of friends and / or NEVER allowing any of them to borrow your car for any reason.

The 3-Month Cap Limit replaces the traditional deductible with something smarter - and fairer. Clients can access up to the value of three months’ worth of their premium to cover minor or incidental repairs once every three years, without penalty. If they don’t use it, the limit rolls forward and compounds. For example: By year 7, if untouched, a client would have 9 months' worth of premium available - three 3-year periods of accrual. If a repair exceeds your accumulated Cap Limit, it can either: · Be upgraded to a full claim, or · Be supplemented using your Client Refund account (if available). Failure to cover overages out of pocket or via refund credits automatically converts the incident to a standard claim. Windshield replacement is excluded from Cap Limit use - it’s covered separately.

A standard insurance policy is designed with a term limit so the company can raise your rates – in order to renew lest you lose your coverage - whether you’ve done anything wrong or not. At Better Insurance, your contract is indefinite and locks in the rate you start with. The only adjustment? Depreciation. As your car loses value, you can choose to lower your cost - or keep it stable to maintain a stronger replacement value. Our contracts lock in your rate, and also guarantee you the return amount for your Client Refund. Simple. Assured. Dependable.

Yes. Your contract with Better Insurance is indefinite, but you’re free to cancel at any time if you find a better option. Our goal is to keep clients for a lifetime by delivering real value - through your growing Client Refund, your accumulating Cap Limit, and long-term support you can count on. The longer you stay, the more you gain.

State regulations mandate certain thresholds of coverage for mandatory minimums – we abide by those, and will adjust your contract if necessary to reflect those changes. By design, we cover all 50 states with the same coverage baselines and standards. Your contract is good anywhere you go. There may be states that claim we can’t insure in their state, but our contract is between you – the Client – and us – Better Insurance. Because we have a contract, our agreement is legally binding, and that is respected in every court of law. Our agreement is rock solid with you, and we will not allow bureaucracy or bad business to come between the results we produce and our Clients in their time of need.

Absolutely. We don’t raise rates for rideshare or delivery drivers. The same rules apply: no wrecks, no claims - just professional experience that shows you know how to handle the road. With Better Insurance, that’s seen as a strength, not a liability.

What is a Good Driver? Good drivers are aware, proactive, and focused. They scan the road ahead, anticipate problems, and avoid distractions. They understand that every person on the road is precious cargo - and they drive like it. They take responsibility, make smart decisions, and do things right because it’s the right thing to do. Benchmarks that help define good driving: · Zero accidents or tickets (regardless of fault) · Zero at-fault accidents with a couple of minor tickets · Never drives under the influence of alcohol or drugs · Understands how to yield at traffic circles (and actually does it) Better Insurance general standards for maintaining 'good driver' status: Two accidents or tickets in one year - or three over two years - will shift your indefinite contract to a temporary renewable one. To restore full status, you'll need to go three years accident-free.

Yes. Better Insurance supports multi-driver households under a single Client contract. The primary vehicle is rated at full value, and additional drivers are added using a graduated scale. Our rates are structured for fairness and accountability - not blanket penalties. It's also a great fit for new drivers who need affordable coverage without inflating their family’s policy. For additional vehicles, good drivers get a major benefit: If you’ve never had a wreck, we don’t charge you for additional vehicles. Your coverage is based on the most expensive vehicle you own - and all others are included under that policy. If you haven’t wrecked, why should you pay more? For those with a prior wreck, the additional vehicle cost structure is: • 2nd vehicle – $30 • 3rd vehicle – $50 • 4th vehicle – $60 • More than 4 – add $10 per vehicle

If you’ve had at-fault wrecks or serious violations, we require a 5-year clean record before granting full eligibility. Accountability and improvement matter here. If you’ve proven you can drive responsibly, we’ll welcome you. If the accident wasn’t your fault, you can request a waiver by providing full disclosure up front. We assess the full picture - not just the incident.

When you first sign up, your account is tracked by your phone number. We convert that into a sales referral code, which you’ll share with the people you recruit. If you're serious about referrals and want to streamline the process, you’ll have access to a Client-Only QR Code Generator on our website. Create your own custom code - your referrals scan it, sign up, and you get credit. Every client gets access to a personalized Client Portal. That’s where you’ll track your confirmed signups, whether you have 4 or 4,000. Your portal also tracks your Client Refund in real-time, showing how much you’ve earned and when it becomes available.

Your Client Refund is held during your first year to accumulate value and help stabilize the claims pool. After your first full year as a client, you’ll be able to request your refund directly through your Client Portal. Just confirm your deposit information, select the amount, and click the request button - your refund will be sent within 24 hours. If we experience a surge in requests, a delivery timeline will be included in your confirmation email. By law, transfers over $600 are taxable. However, if your refund has been accruing for 10 years or more, Better Insurance will cover the tax cost as a thank-you for your long-term loyalty.

Every Client starts with a 20% Client Refund the moment they’re approved -guaranteed. Refer one, two, or three people, and your refund increases. With three referrals, you’ll receive a 35% return every year you don’t have a major claim. Each referral grows the network, strengthens the company, and boosts everyone’s long-term benefits - including Unrealized Risk Bonuses. And if you’ve got a knack for sales, every referral beyond your first four earns you direct cash incentives. Check out our Become An Affiliate page for more. And hey - if you can’t find four people who want the same benefits you were smart enough to choose, maybe it’s time to upgrade your circle. Bring your 4!

Our claims process is designed to be fast, simple, and fully transparent. If anything is missing, our team will reach out to guide you through the next steps. For standard wreck claims, you’ll need to submit: · Photos of the damage and accident scene · Police report · Any medical reports or bills incurred from the accident · A brief written Incident Summary Report (weather conditions, road factors, personal perspective, etc.) · Any legal filings, lawsuits, or third-party claims against you Once your complete claim package is submitted, standard claims (without ongoing medical or legal complications) are processed within 48–72 hours. For extended medical care or legal disputes, we deploy our partner networks to assist with: · Medical recovery support · Legal defense against predatory lawsuits · Coordinated coverage to make sure you’re protected every step of the way We don’t leave you hanging. Our system is built to make you whole - quickly, clearly, and with the kind of support you’ve never seen from traditional insurers.

We hold our vendors to a standard - one based on honor, not just efficiency. Every vendor is graded on quality of work, cost, customer service, integrity, and fair treatment. Those who fall short are removed from our Preferred Vendor List and placed on our public blacklist. This isn’t about punishment - it’s about improvement. Vendors who correct their shortcomings can be reinstated. Those who continue operating dishonorably lose the opportunity to earn from our clients. That’s the point. We don’t reward bad business. Our Preferred Vendor List is published and updated regularly on our website for transparency and easy reference. For our Clients: If you have a problem with something during the process, we don’t leave you hanging. If you have an issue with a vendor, we’ll step in, assess the situation, and help resolve it fairly. Preferred Vendors are human – they can have a bad day like anyone else. If a trend emerges, we flag that business and monitor closely for future iterations of corruption, incompetence, or other unfavorable actions that we will not support with your dollars. For our Vendors: If a Client is unreasonable, disrespectful, entitled, or lying, we will hold that Client accountable and terminate their contract in cases of fraud or attempts to deceive or exploit.

For your vehicle: Backup cameras, lane change monitors and warnings, telemetry, security systems, and proximity sensors all enable you to drive with a better array of awareness than just driving and hoping you aren’t distracted. Cars are smarter than they have ever been – which means your insurance premiums over time should go down, not up. On our end: We use communication with clients through digital and phone interactions to achieve resolution, initiate payments, and confirm quality and completion of work or delivery of a check / new vehicle to the Client. We use technology to enhance - not replace - human judgment, responsibility, and service. Smarter vehicles. Smarter systems. Lower costs, better service. That’s how Better Insurance should be.

If your vehicle is declared a total loss, we initiate the full claims process. You’ll submit photos, a police report, and any related documentation. Once we verify the claim, we issue replacement payment based on your coverage contract - no deductible, no delay. Our goal is to get you back on the road within 72 hours of full submission. As we grow, we plan to partner with manufacturers for factory-direct access, helping reduce replacement costs for our clients.