Frequently Asked Questions

Today, you tell us what to look into when you put your household on the list — what you hold and anything else we should know. We're adding an optional next step: securely connecting your current coverage through Canopy Connect, a read-only connection that never shares your login credentials with us, so the review starts from your exact existing policy instead of what you type in.

Yes. You never pay us; carriers do. We're paid by the carrier you choose through Podium. You pay nothing, regardless of whether you switch or not. Your review is yours to keep either way.

No. We rank by price, lowest first, among carriers that write your policy and have given us a price you can buy on coverage equivalent to what you have now. The ranking never sees what a carrier pays us, and the carrier at the top sometimes pays us less than the one in second place. If the right answer for you pays us less, or pays us nothing, it's the answer you get. When the right answer is to keep the policy you came to us with, nobody pays us for that review, and we tell you anyway. Podium is one person's brokerage and it only works if households stay for years, which they do only if they can trust what we tell them.

No. Checking prices isn't a credit application, and it doesn't affect your credit score. In Massachusetts, auto insurers aren't allowed to use credit-based insurance scores to price car insurance at all.

From January, we place policies with the national and regional carriers that write in Massachusetts through independent brokers. Not every carrier is one we can place: a handful of national carriers sell only direct, and no independent broker, us included, can place you with them. If one of them is worth checking yourself, we'll tell you.

Somebody pays for the jingle, and it's the policyholder. A national carrier's advertising is funded out of premium — billions a year of it. A carrier without a mascot isn't hiding; it's spending that money on claims and reserves instead, and selling through independent agents rather than television.

Some names on your podium will be familiar. Some won't. Every carrier on it writes your policy and has given us a price you can buy on coverage equivalent to what you have now, and they're ranked by price, lowest first. Financial strength, name recognition and our commission don't move the ranking. Each carrier also comes with a card: who owns it, how long it has written in Massachusetts, and what it's known for.

No problem at all. Your results are yours to keep — no pressure, no sales calls, no expiration on your review. Knowing exactly where you stand is worth having even if you decide to stay with your current carrier. We'll never pressure you to switch.

Yes, with one condition. Each price on your podium is a price a carrier has given us that you can buy, for the details we have about your household — not a ballpark built on generic assumptions. If a detail changes by the time we bind the policy, the price can change too, and we'll say so.

Joining the waitlist takes a couple of minutes. Reviews start in January 2027, and households come off the list in order. We can't place policies before January. If a closing or renewal can't wait, handle it with your current carrier for now, tell us the date, and your household goes first when we open. Once your review starts, we put each policy in front of competing carriers on coverage equivalent to what you have now. The research runs overnight, and a licensed broker reads the results before you see them.

Yes. All data is encrypted in transit and at rest using AES-256 encryption. We never sell your personal information to data brokers, advertisers, or third parties. We share only the data necessary to price your household — with the carriers we approach.

We're launching in Massachusetts first. 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 switch, with your signature. You e-sign the cancellation request, and we send it, timed to your new policy's start so the old coverage doesn't end before the new begins. We'll be in touch at each step. Any refund on the old policy comes from that insurer, not from us.