Pricing

Affordable Packages for Every Stage of Life

Sample monthly starting rates shown below. Final premiums depend on coverage limits, deductibles, location, and individual risk factors.

Essential

$49/mo

Ideal for renters and first-time auto owners seeking core protection.

  • Auto liability at state minimum plus options to increase
  • Renters personal property up to $25,000
  • Online policy management
  • Standard claims processing
Choose Plan

Premier

$219/mo

Enhanced limits for high-value homes, luxury autos, and life planning.

  • Increased liability umbrella coordination
  • Life term coverage $500,000 base
  • Health supplemental dental & vision
  • Dedicated account representative
  • Expedited roadside and home emergency services
Choose Plan

How We Calculate Your Premium

Insurance pricing reflects the likelihood and potential cost of a covered loss. TsayGuy uses actuarially sound models approved by regulators. Factors may include driving history, credit-based insurance scores where permitted, property age and construction, health plan tier selection, and optional endorsements such as jewelry schedules or business equipment floaters.

We offer payment plans with no installment fees on many policies, and you can adjust deductibles to balance monthly cost with out-of-pocket responsibility. Loyalty credits reward long-term customers with clean claims records.