Know what your car insurance actually covers.

Upload your declarations page. In about a minute you get every line explained in plain English, the gaps flagged, and the questions to ask your agent.

Decode my Dec page, free Get the $9.99 guide

Five free reports. Nothing stored. Independent of every insurer.

Your coverage report2022 Honda CR-V · TX
Bodily injury liabilityPays others if you cause a crash
$100k / $300k Solid
Uninsured motoristCovers you when the other driver can't
$30k / $60k Low
Rental reimbursementA car while yours is in the shop
Not on policy Missing
Collision deductibleWhat you pay first on a claim
$1,000 Typical
3 questions to ask your agentRun yours
51state minimums charted, D.C. included
114insurance terms in plain English
~1 minfrom upload to report
$0we sell books, not policies

Three steps from "I guess I'm covered" to knowing.

1

Upload your Dec page

A PDF from your insurer's site or a phone photo both work. Your file is processed privately and never stored.

Start here
2

Read your report

Every coverage explained, limits compared with your state's rules, and the gaps most people miss flagged.

See what it covers
3

Fix it with your agent

You leave with a short list of questions. Ask them at renewal and stop paying for coverage you don't understand.

The 20 questions
64%of drivers don't know what their liability limits areInsurance Research Council
1 in 8drivers carry only the state minimum, which won't cover a single new carIRC, 2023
$1,600+average annual auto premium. Worth an hour to understand.NAIC, 2024

Upload your Dec page. Get a plain-English report.

Your declarations page is the one page that says what you're actually covered for. The analyzer reads every line and tells you what you have, what you're missing, and where you might be overpaying.

  • ✓
    Every line, translated

    "Other than collision" becomes "theft, hail, deer, and flood."

  • ✓
    Gaps, flagged

    The coverages that are missing or thin, and why each one matters.

  • ✓
    Your state, side by side

    Your limits next to the legal minimum and a sensible floor.

  • ✓
    Questions for your agent

    A short list written from your policy, not a generic checklist.

Never storedNo accountPDF or phone photoAbout a minute

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Dec Page Analyzer

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Five free reports per email, refilled every five months. No account.

The Decoded guides. $9.99 each.

One kind of insurance per book, written for the person paying the premium. Updated every year.

Available now

Auto Insurance Decoded

Thirteen short chapters that walk your policy front to back: what each coverage does, what it costs, what happens when you need it, and the questions to ask before you renew.

LiabilityCollisionComprehensiveUM / UIMPIP & med payYour Dec pageHow pricing worksAfter an accident
Get it on Amazon, $9.99 Kindle & paperback · 2026 edition
Available nowAuto13 chapters. Liability, collision, UM/UIM, your Dec page, how pricing works.$9.99
2026HomeownersDwelling, personal property, liability, and what your lender never explained.Coming soon
2026RentersThe cheapest policy you'll buy, and the one most people skip.Coming soon
2027UmbrellaThe coverage that protects everything else.Coming soon
2027LifeTerm vs. whole, how much you need, why work coverage isn't enough.Coming soon

Also in the works. Read the articles now:

Your state's minimum is a floor, not a plan.

Every state's required liability limits in one searchable table, plus a free glossary and the 20 questions to bring to your renewal.

See all 50 states Glossary 20 questions
StateInjury / personPropertySystem
Texas$30,000$25,000At-fault
California$30,000$15,000At-fault
Florida$0$10,000No-fault
New York$25,000$10,000No-fault
North Carolina$50,000$50,000At-fault
A new car costs about $48,000. Most states require $25,000 of property coverage.

Start with these.

All thirteen articles
01
Coverage basics · 5 minWhat is a declarations page? How to read yours in 5 minutes
02
Liability · 7 minState minimums are not enough. Here's the math.
07
Life changes · 6 minYour teen just got their license. Here's what changes on your policy.