Our Why

I bought my car in 2018 and drove it off the dealer lot with 8.8 miles on it.

7 years later, my car is still running strong with an additional 300,000 miles on it.

When you take care of what you are entrusted with, it takes care of you. That's the Better mindset.

I grew up in the Midwest, the oldest child of five raised by a single mom. Money was always tight, so I learned early that every dollar matters. After college I joined the Army, trained on nearly every tracked and wheeled vehicle, and later drove over 300,000 accident-free miles delivering people and food.

In more than 30 years behind the wheel, I’ve never had a wreck. But I’ve paid thousands in car insurance - with nothing to show for it.

That’s the problem. Traditional insurance only works for the people who crash. Everyone else pays the bill. Insurance companies raise rates, hide behind deductibles, and pocket profits while ignoring the loyal drivers who keep their record clean.

Better Insurance changes that. We reward good drivers. We stabilize costs. And we return value back to the people who make the system work - the careful drivers who go year after year without a claim.

At the end of the day, auto insurance is simply money management. When it is managed with integrity, everyone benefits.

Better Insurance LLC was created specifically to provide incentives for the 32% of good drivers who are required to buy insurance they don't use, and historically never received benefit from.

At Better Insurance, we believe auto insurance should actually benefit the people who pay for it. Not just after a wreck, not only in court, but every year you stay on the road and drive well.

Traditional insurers chase profit margins, investors, and gimmicks. We don’t. Better Insurance operates on a fixed 1% profit margin. That means 99% of all revenue goes right back to our clients through refunds or in direct support of those who do have a claim.

We stand against fraud, grifters, corrupt systems, and anyone trying to take advantage of our members.

Your money belongs to you and the Better Insurance community - not to corporate shareholders, shady lawyers, or opportunists.

The bottom line is simple: insurance should generate a return for good drivers, not just a bill. That’s why we built Better Insurance.

Our How

Incentives For Every Client

Every Better Insurance client member starts with a 20% ROI the moment they sign up. They must recruit 4 more people to achieve 40% annual ROI. Every year they don't have a wreck or major claim, they receive 40% back per year, which they can accrue with no penalty, or draw out yearly for bills, emergencies, or Christmas for the kids.

No Gimmicks

NO introductory rates ever
NO attempts to avoid or delay paying what it takes to make the client whole
NO deductibles
NO credit check
We guarantee your refunds via contract – we are legally bound to uphold what we agree to when you sign up

Standardized Processes

Expedited Claims Processing Using Technology
Military-style Operations Center for Claims Processing and Tracking
Standardized Claims Process (click to enlarge)
Baselined Policy Pricing and Simplified Actuary Tables
No Deductibles (3-month cap limit)

More Benefits, Better Service

Accident Forgiveness a feature, not an exception
Towing and Death Benefits come standard
Zero accident history = additional car fees waived
Client in charge of their claim - photos, document submission, and in-progress tracking with the Ops Center to resolution
Baseline costs are 10% or more below current insurance company prices from the other guys
Preferred vendor list for support services (blacklisted vendor list for those who do not do the right thing)
What does it take to make the client whole? That's our mission.

Auto Insurance: Them vs. Us
Traditional (Them): Exploitation. Overpricing. Zero benefits for good drivers.
Better (Us): Honor. Simplicity. Tangible benefits for good drivers.

Click to enlarge

Traditional auto insurance: A LOT of red flags.

They take your money, raise your rates, charge you extra to offset risk you already prepaid against, and call it 'insurance'.

We call it what it is: exploitation.

It's time for Better.

Don't just pay insurance. Make insurance work for you!

Why Register Now?

The insurance industry is broken. To fix it, we must have the proof that we can cover liabilities incurred as we grow the business.

We can launch Better Insurance as a full-fledged mutual company once we have at least 10,000 committed clients.

1. Register

2. Get Your Quote

3. Sign your contract

Then Bring Your 4 - your family, your coworkers, your tribe. Help us reach the threshold that makes Better Insurance a reality you can count on.

The Founding 10,000

The first 5,000 Founding Members who Bring Your 4 will unlock:

✅ 60% Client Refund for your first year - guaranteed

The second 5,000 Founding Members who Bring Your 4 will unlock:

✅ 50% Client Refund for your first year - guaranteed

This isn’t just a first-year perk - it’s a proof of concept.
We’re proving that Principle over profit works - and that people will choose a better model when they see one that rewards them instead of exploiting them.

You ready?