Fee transparency
Know the fee before you decide.
The policy scan is free. When a real comparison produces verified annual savings, PolicyShark's case-specific switching fee is $99 plus 20% of the verified annual savings above $99.
The model
Free to scan. A fee only follows verified savings.
We do not charge to read your policy. A fee is not calculated from an estimate or a generic rate. It is tied to the annual savings in a received, staff-verified quote comparison and is shown for your case before you can consider an unlock.
- 1Upload and scan your current policy for free.
- 2PolicyShark reviews a received quote comparison before it appears.
- 3If verified annual savings are available, the case-specific fee is shown before any checkout handoff.
- 4You decide whether to unlock the comparison details and proceed directly with the licensed provider or broker.
Current checkout constraint: the protected case fee can be calculated and displayed after verification, but PolicyShark does not currently collect a variable case fee through a live checkout. Nothing on this page creates a payment obligation.
Hypothetical calculator
See the published formula.
Enter a hypothetical annual savings amount. This is not a quote, offer, eligibility decision, or promise of savings.
Use dollars and cents, such as 412 or 412.50.
- Annual savings
- $412.00
- Flat portion
- $99.00
- 20% above $99
- $62.60
- Total fee
- $161.60
- Customer keeps
- $250.40
The 20% portion is calculated from savings above $99 and rounded down to the nearest cent. The real fee, if available, is calculated from a received, staff-verified comparison—not this calculator.
How the formula works
The flat portion is always $99. The share starts above $99.
Total fee = $99 + 20% × (verified annual savings − $99), when savings are above $99.
For savings of $99 or less, the variable portion is $0. We calculate the variable portion in cents and round it down to the nearest cent.
Example: $412.00 in verified annual savings means $99.00 + 20% of $313.00 ($62.60) = a $161.60 fee. The customer keeps $250.40 in the first year before considering any separate provider costs.
Whose side we're on
Our case fee is paid by the customer—not a carrier.
PolicyShark does not accept carrier commissions and does not sell your information. Some comparison services use carrier commissions and/or lead-generation models. Our customer-paid case fee is disclosed in the comparison workflow instead.
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Quote availability, coverage, eligibility, and savings vary. PolicyShark is a comparison service, not an insurance brokerage. Any purchase or binding happens directly with a licensed provider or broker.
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