How much does PolicyShark cost?

The policy scan is free. If a staff-verified quote creates a savings opportunity and you choose to unlock the comparison details, the fee is $99 plus 20% of verified first-year savings above $99.

What happens to my uploaded policy?

PolicyShark uses the policy details you provide to review current coverage. The policy file is not sent to a broker; see the Privacy Pledge for the exact, minimum broker-request field list.

Who receives my information for a quote request?

Only after you authorize a request, PolicyShark may email the documented minimum fields to an owner-approved, license-verified participating broker. PolicyShark does not sell your information or authorize agent cold calls. Read the Privacy Pledge for details.

Will PolicyShark reduce my coverage to show savings?

No. Quotes are requested against relevant current coverage, and differences are shown clearly. PolicyShark does not represent lower coverage as equivalent coverage.

Is PolicyShark an insurance broker?

No. PolicyShark is a comparison service. Insurance is quoted and issued directly by licensed providers or brokers, subject to availability and state rules.

Are savings guaranteed?

No. Savings depend on real quotes, your location, driving profile, credit where permitted, and carrier availability. Any savings shown are based on actual offers against your current premium.

How is Verified savings delivered calculated?

When shown, it is the total audited annual savings from switches staff recorded as completed with an evidence reference and completion timestamp. Quotes, estimates, payments, and uncompleted switches do not count. A non-identifying completed-switch ledger entry may remain after account deletion solely to preserve the audited aggregate.

What if you can't beat my current policy?

Then we tell you exactly that, you pay nothing, and—if you explicitly opt in with a renewal date on file—we can queue a renewal re-check.

Do I have to proceed with a quote?

No. A free policy scan does not require you to proceed. You decide whether to contact or buy through the licensed provider or broker directly.

Is membership different from a one-time switch?

The current service is a free policy scan and coverage-first comparison coordination. Membership and renewal re-shopping are not currently available.

Which states does PolicyShark serve?

Availability varies by location, insurance market, and quote eligibility. PolicyShark confirms availability as part of the policy scan process.

Does PolicyShark re-shop insurance at renewal?

No. Renewal re-shopping is not currently available. You can start a new free scan when you want another comparison.

How long does a PolicyShark comparison take?

Timing depends on the completeness of your policy details, broker availability, and whether a licensed broker responds. PolicyShark shares only quotes that have been received and reviewed.

Who is PolicyShark for?

PolicyShark is for U.S. drivers who want help comparing car insurance without handling the shopping process alone. It is especially useful for drivers reviewing a current policy or renewal.

On your side

We hunt.
You save.

Q: How does PolicyShark gather quotes?

After staff approves your coverage baseline and you give consent, PolicyShark can email a factual comparison request to a participating licensed broker where available. Quote availability varies.

Upload your policy. PolicyShark reads every line, hunts real quotes at equal or better coverage, and shows you verified results. Free to look — you pay only if you choose to save.

Scan my policy free See how it works

No upfront charge. No obligation to switch. Available to U.S. drivers where supported.

PolicyShark is a comparison service, not an insurer or insurance broker. It prepares customer-authorized comparison requests for participating licensed brokers where available. Coverage and savings are only shown if a real quote is received and reviewed.

policysharkPolicyShark

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On your side

Coverage first.
Verified results.

Quotes appear only after a participating licensed broker responds and staff verifies the details.

Protected intake

Ready for review

Your document remains in protected case storage.

Comparison workspace

Preview only. Quotes appear only after they are verified.

Example comparison result

Coverage notes shown when verified

Preview

Coverage notes

Quote details

Customer decision

Verified results appear here

Preview only. It is not a promise that quotes, savings, or multiple results will be available.

The PolicyShark system

A documented path to a fair comparison.

1.Upload Policy
2.Approve your baseline
3.Authorize broker outreach
4.Staff verifies any quote
5.Choose your outcome

After you approve the coverage baseline and authorize outreach, PolicyShark can send a factual request to an owner-approved, licensed participating broker where available. Staff verifies received quotes against that baseline. The case ends in a protected comparison or a Keep-Your-Policy Verdict.

See the full workflow

Coverage first

How does PolicyShark protect coverage details?

PolicyShark reads your deductibles, coverage limits, and discounts before a quote request goes out.

Verified quotes, if receivedNo obligationYou decide

Your policy becomes the baseline.

Every verified quote is evaluated against the policy you upload, so differences stay visible.

Authorized requests, where available

With your authorization, PolicyShark can email a factual comparison request to a participating licensed broker where available.

Verified quotes, shown clearly

If a licensed broker responds, staff reviews the quote against your current policy before it appears. You decide whether to proceed directly with that provider.

Simple, aligned pricing

Free to scan. Pay only when you choose to save.

The scan is free. A switching fee is due only after PolicyShark has a staff-verified quote comparison and you choose to unlock the comparison details.

See fee details See how comparisons work

Switching fee

$99 + 20%

of verified first-year savings above $99

Verified quotes, if receivedNo obligationYou decide

Free policy scan

Coverage compared first

Quotes shown only when verified

You decide whether to proceed

Broker availability, quotes, and savings vary. PolicyShark is a comparison service, not an insurance brokerage. Licensed providers or brokers handle any insurance purchase or binding directly with you.

Clear answers

Common questions about PolicyShark.

PolicyShark starts with relevant coverage and, where available, coordinates an authorized broker request. You always choose whether to proceed directly with a provider.

Read the Privacy Pledge and broker field list

Your policy may be costing too much.

Let the shark do the shopping.

Upload your current policy. PolicyShark will read the fine print, prepare your coverage baseline, and coordinate an authorized broker request where available.

Scan my policy free

policyshark.ai · @policyshark