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Insurance switch

Pally gathers real quotes at identical coverage, calls the insurers that only quote by phone, and sets up the switch you pick.

Text Pally: Get me car insurance quotes and tell me if I should switch.
or message Pally on Telegram
Or scan to text Pally from your phone
You: my car insurance renewal is $2,040 for the year. can you do better?
Pally: send me a photo of the declarations page and i'll match the coverage exactly: limits, deductibles, drivers, all of it.
You: 📷 renewal notice
Pally: got it: 100/300 liability, $500 deductible, two drivers, the 2019 RAV4. quoting six insurers at that exact coverage. two only quote by phone, so i'll call those.
Pally: six back. best like for like is $1,412, identical policy. next is $1,530. one came in above your renewal at $2,210. want the $1,412?
You: yes, start it
Pally: application's ready. it needs your signature on two forms, link's here. once the new policy is active, i'll cancel the old one.

The routine

How it works

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Insurance renewals count on you not shopping. Send Pally your current policy and it collects comparable quotes across insurers, calls the ones that only quote by phone, and lines them all up against what you pay now.

  1. Send a photo of your declarations page or renewal letter.
  2. Pally works the online quote forms and calls the insurers that only quote by phone.
  3. Pick one and Pally fills in the application and sends it to you to sign, along with any license photo or payment step.
The full routine

Send a photo of your declarations page or renewal letter. Pally reads the limits, deductibles, drivers, vehicles, and extras, and every quote has to match them.

Pally works the online quote forms and calls the insurers that only quote by phone. The comparison shows each price and where policies differ, so a cheaper quote that drops rental cover is easy to spot.

Pick one and Pally fills in the application and sends it to you to sign, along with any license photo or payment step. Pally cancels the old policy only after the new one is active.

Good for

  • Checking a renewal before it quietly auto-renews
  • Comparing quotes at identical limits and deductibles
  • Reaching insurers that only quote over the phone
  • Adding a driver or a new car without a morning of forms
  • Canceling the old policy only after the new one starts

Things to try

You: here's my renewal letter, see if anyone beats it at the same coverage
You: quote home insurance for my address with the same deductible
You: what's different between the two cheapest?
You: go with that one, and don't cancel the old policy until the new one starts

Before you start

Common questions

How does Pally keep the quotes comparable?

It enters your existing limits, deductibles, drivers, and extras everywhere. If an insurer can't match an item, the comparison says so.

Does Pally start the new policy itself?

No. Pally fills in the application and sends it to you to sign. The insurer issues the policy once you do.

What still needs me?

Signatures, identity documents, and sometimes the payment. Pally sends you a link for each, then cancels the old policy once the new one is active.

Keep going

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Last updated October 11, 2026.

Have your own recipe in mind?

Anything you'd hand a great assistant, you can hand Pally. Just describe it in a text.

Text Pally: hey pally
or message Pally on Telegram
Or scan to text Pally from your phone