The Easiest Way to Stop Overpaying on Insurance
Your insurance quietly renews every year, often at a higher rate. Paca keeps every policy organised, alerts you before renewals, and gives you clear answers about what your coverage actually includes.
Stop overpaying for insurance you don't fully understand
Most people overpay for insurance, miss renewal deadlines, and feel lost during claims. Not because they don't care, but because no one built a better system. Paca puts all your policies in one place, alerts you before renewals, and gives you clear guidance exactly when you need it.
Before Paca
- Policies scattered across emails, PDFs, and gloveboxes
- Renewal catches you off guard with a price jump and no warning
- Paying for overlapping or outdated coverage you don't need
- Feeling lost during a claim with no idea what's covered
- Waiting days for your agent to reply to basic questions
With Paca
- Every policy in one secure digital wallet, always within reach
- Renewal alerts weeks ahead so you can shop for better rates
- Spot gaps and better coverage options before you overpay
- Know exactly what you're covered for so there are no surprises at claim time
- Instant answers from your agent and AI without the wait
Everything you need to stop guessing about your insurance
Paca organises your insurance and keeps you covered, informed, and in control of what you pay.
Your full insurance picture, always up to date
All your policies, renewal dates, and savings opportunities on one screen.
Every policy, one tap away
Your policy documents, ID cards, and renewal notices always within reach.
Understand your coverage in plain language
Coverage breakdowns that flag gaps and show exactly where you're overpaying.
Your insurance questions answered in seconds
Ask Paca anything about your policies and get clear, specific answers in seconds.
See how much you could be saving. Start today
The average policyholder overpays by $340 a year according to industry data. Paca spots your savings opportunities in seconds.
Free
for lifeEverything you need to organise your policies, track renewals, and never overpay for insurance again.
- Basic policy tracking
- Renewal reminders
- Claims guidance
$25
/monthFor policyholders who want to go further. Spot savings faster, manage multiple properties, and get priority help when it matters.
- Everything in Essential
- AI-powered savings alerts
- Multi-property management
- Premium support
Real results from Paca members
I didn't realize my home insurance had gone up three years in a row until Paca laid it out for me. Nothing dramatic, just finally had everything in one place and could actually see what was happening. Got my agent to review it at renewal.
I signed up just to stop losing my policy documents. Ended up finding out my auto coverage had a deductible I didn't remember agreeing to. Small thing but good to know before I ever needed to file a claim.
All Your Insurance in One Place
Track coverage, get renewal reminders, and never overpay again.
Start for Free
Frequently Asked Questions
Paca 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, so you spend zero time on manual data entry. 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.
You get a heads-up notification before your expiration date, with enough time to actually compare options rather than just scrambling to renew. No more finding out your coverage lapsed after the fact.
Not at all. Paca works alongside whatever agent or agency you already have. You keep your existing relationships and use Paca to stay organized on your end. If you like your current agent, let them know that you are using Paca.
Your data is encrypted and never sold to advertisers or third parties. Nothing gets shared with anyone unless you specifically choose to share it.
Most people have their first policy in their wallet within 5 minutes. Upload a photo of your insurance card or policy document and Paca's AI pulls out the key details automatically, no manual typing required.
Paca includes an AI assistant that handles common coverage questions around the clock, things like what your deductible is or whether you have rental car coverage. For anything more complex, at least you will know exactly what to ask your agent before you call.
Yes. Paca is built for mobile first, so your insurance cards, documents, and coverage details are always with you. Useful any time you need proof of insurance on the spot and you cannot find the paper copy.
Yes. If you own a business, Paca works just as well for your commercial policies as it does for personal ones. General liability, commercial auto, workers compensation, professional liability and more can all live in your wallet alongside your personal coverage. Everything stays organized in one place and you still get renewal reminders before anything expires, which matters a lot more when a lapsed business policy can leave your livelihood exposed.
Your data stays in your account regardless of your plan. Free users keep full access to their policy wallet with no expiration. Paid features are optional and canceling them does not touch your documents or history.