The question everyone quietly wonders, answered plainly. No fee, no fine print, no angle.
THE SHORT VERSION
You never pay Podium anything — not a fee, not a subscription, not a cent out of pocket. We're paid by the insurance carrier you choose through us. If you don't switch, you owe us nothing, and your review is yours to keep either way.
OUR PROMISE
Brokers are paid by carriers, and so are we, so it’s fair to ask any broker what happens when the best answer for you pays them less. Ours: we’re paid by the carrier you choose, and carriers don’t all pay us the same. The ranking goes by price and never sees what a carrier pays us. And 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. They stay if they can trust what we tell them. A policy that pays us more and costs you more would cost us those years.
WHAT IT MEANS FOR YOUR PRICE
Two things worth knowing before you take our word for any of this.
Carriers set and file their own rates. The commission a carrier pays us comes out of that rate structure — it isn't a surcharge tacked onto your bill for going through Podium instead of the carrier directly. You pay the same filed price either way.
Whichever carrier you choose is the one that pays us, and the amounts differ. No one company owns our loyalty, and the ranking is built so it can’t see the difference. It goes by price, lowest first.
THE RANKED PODIUM
When your results come back, we show you 1st, 2nd, and 3rd place — full pricing and coverage detail for every one of them, not just our top pick. Sometimes the carrier that wins for you pays us a smaller commission than the runner-up would have.
We show it to you anyway. Every carrier on the podium writes your policy and has given us a price you can buy on coverage equivalent to what you have now; they're ranked by price, lowest first, and our commission doesn't move the ranking. The moment we start hiding the better option to protect our own payout, we've stopped being a broker you can trust — and trust is the entire product.
THE STANDING PROMISE
This is the promise a lot of lead-generation sites can't make honestly, because their business depends on you switching. Ours doesn't.
If we run your profile against the major carriers and your current policy is still the right one, we tell you exactly that — no charge, no obligation, and no follow-up call trying to talk you into switching anyway. Knowing you're not overpaying is valuable on its own, even when the honest answer is that you're already winning. And because we re-check your rate at every renewal, that answer doesn't just sit there and go stale.
STILL SKEPTICAL?
No. There's no fee, no subscription, and no charge for your review, whether you switch carriers or not. We're paid by the carrier you choose through Podium.
No. The commission a carrier pays a broker is part of the rate the carrier already filed and priced, not an extra charge added on top for using Podium. You pay the same filed rate you'd pay going directly to that carrier.
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. If the right answer for you pays us less, or pays us nothing, it's the answer you get, and the carrier at the top sometimes pays us less than the one in second place. 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.
Because the alternative, only showing you the option that pays us the most, is exactly the kind of hidden incentive Podium was built to get rid of. We rank every result 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, then show you all three, full stop.
Then we tell you that. No charge, no obligation, and no follow-up call trying to talk you into switching anyway. Knowing you're not overpaying is valuable on its own, even when the honest answer is that you're already winning.
Not quite. A handful of national carriers sell only direct to consumers — no independent broker, us included, can place you with them. If you're comfortable shopping on your own, it's worth checking their price directly. For the carriers we work with, we do the shopping for you — and if staying where you are is the better call, we'll tell you.
Want the longer version? Read how an insurance broker actually gets paid.
Put your household on the list and we’ll tell you where you actually stand — we open January 2027 in Massachusetts.
Hold my place for January →