Most People Overpay on Insurance. Find Out How Much You Should Be Paying.
The average policyholder overpays by $460 to $1,000 a year simply by never comparing. See what people near you are paying and find out if your rate is higher than it should be.
Your Age & Profile
Age, driving record, and life stage all affect your premium.
Your Location & ZIP Code
Flood zones, crime rates, and nearby hospitals shift costs.
Your Claims History
A clean claims record is the simplest way to keep costs down.
Your Deductible Level
Higher deductibles reduce your monthly premium significantly.
See Average Rates in Your Area
Enter your ZIP code and see what people near you actually pay for insurance.
Enter your 5-digit ZIP code
The Smarter Way to Buy, Manage, and Sell Insurance.
Paca is the AI-powered insurance platform that helps policyholders stop overpaying and agents close more deals. Smarter for everyone involved.
Paca for Policyholders
Every policy in one place. Renewal alerts before you overpay. Compare quotes in seconds. Plain-English answers to any coverage question, any time.
Paca for Agents
Client intake in 5 minutes. AI pulls all the details from every document. Close 40% more policies. Clients who actually enjoy the process.
Frequently Asked Questions
Paca for Policyholders is a free app that puts all your insurance policies in one place. Instead of digging through emails, glove compartments, or old PDFs when you need your insurance information, everything lives in your Paca wallet and is accessible from your phone in seconds. It uses AI to read and organize your policy details automatically. It also tracks your renewal dates and alerts you before they hit, so you always have time to review your coverage and avoid paying more than you should.
Yes, and there is no catch. The Essential plan is free with no credit card required. You get your full policy wallet, renewal reminders, and coverage summaries at zero cost. Agencies pay to use our platform on their end, so you never have to.
Most people overpay simply because they auto-renew every year without checking if they can do better. Paca alerts you before your renewal date, shows you a clear breakdown of what you are currently paying for, and makes it simple to shop for competing quotes. People who actually shop at renewal save an average of $340 per year.
Auto, home, renters, life, health, and commercial policies all work. If you have a policy document, you can store it. Most people start with their auto and home coverage, then add the rest once they see how easy it is.
Your data is encrypted in transit and at rest, and is never sold to advertisers or third parties. Paca never shares your information without your explicit consent. We follow industry-standard security practices to keep your policy data private.
Paca is the fastest way to collect client information, deliver quotes, and close policies. Send a mobile intake link, get complete data back in minutes, upload your quotes, and let clients compare and approve. No chasing, no back-and-forth, no delays.
Traditional intake takes days of back-and-forth emails and calls. With Paca, clients submit everything in one session on their phone. AI extracts the data automatically with no manual typing. You get quote-ready information in minutes instead of days.
After binding, your clients get a digital wallet with all their policy documents, insurance cards, and coverage details accessible 24/7. The built-in AI chatbot answers their routine questions like 'What's my deductible?' or 'Where do I file a claim?' so they don't have to call you.
No, it enhances them. Paca handles the client intake and data collection that happens before you quote. Think of it as the front-end layer that feeds clean, organized data into your existing systems.
Under 15 minutes. Create your first client intake link, customize your branding, and send it to a client. They complete the form on their phone, and you get organized data ready to quote.