What CRACTT weighs
Coverage parity
Liability limits, deductibles, uninsured motorist, and rental — matched line by line.
Real annual cost
Premium plus the deductible you'd likely pay, not just the sticker price.
Discounts
Bundling, telematics, good-driver, and low-mileage discounts that may beat switching.
Switch friction
Cancellation fees, loyalty credits lost, and renewal timing.
FAQ
- Do I need my declarations page?
- It helps — limits and deductibles are what make the comparison accurate.
- Will it tell me to stay?
- Often yes, when the cheaper quote is cheaper because it covers less.
More CRACTT tools
- What's the best travel credit card for me?
- What's the cheapest option that still works?
- Is this a good deal?
- Should I cancel this subscription?
- Should I take this job offer?
- How much should I budget for this?