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Educational Premium Estimate Analytics

Educational estimate tools to help you understand your premium. Start free — upgrade when you're ready for the full estimate summary.

Your data is never sold No lead-sale spam No info shared with insurers
Many comparison experiences are funded by lead sales and broad data sharing. Our revenue comes from subscriptions — not from routing your information into a sales funnel.
Billing cycle for Pro and Premium plans

Free

$0 /month

Start with a private estimate view and premium context summary

  • Enter & save your policy
  • Limited modeled estimate view
  • See your modeled estimate range and comparison context
  • 1 manual entry
  • Expanded carrier-reference view available in paid plans
  • Confidence ranges
  • Factor breakdown
  • Carrier reference ratings
  • Store & compare estimates
  • Renewal alerts
Get Started Free
Most Popular

Pro

$7.99 /month

Expanded estimate summary across market-context carrier references

  • Everything in Free
  • Expanded market-context carrier references
  • Expanded carrier-reference view in estimate summary
  • Confidence ranges (low/high)
  • AM Best & JD Power ratings
  • Store & compare estimates
  • Expanded comparison view (estimate range + coverage context + market indicators)
  • Unlimited manual entries
  • Renewal alerts
  • Factor breakdown
  • Educational rating factor insights
  • Historical estimate tracking
  • Automated estimate update tracking
  • Estimate change alerts
Sign Up & Unlock Pro Provides ongoing value through educational premium estimate analytics.

Premium

$14.99 /month

Ongoing estimate update tracking based on updated market inputs

  • Everything in Pro
  • Factor breakdown — see which rating factors may influence your premium
  • Educational insights — rating factors that may influence premiums
  • Historical estimate tracking — see how modeled estimates change over time
  • Scheduled estimate refreshes based on market-reference inputs
  • Estimate change alerts when your modeled estimate range changes materially
  • What-If simulator
  • Priority support
Sign Up & Unlock Premium

Plans FAQ

Yes! The Free tier shows you a limited modeled estimate view so you can review how your current premium compares. Upgrade to Pro to see the expanded estimate summary across market-context carrier references.

Absolutely. No contracts, no cancellation fees. Monthly plans: Cancel anytime and your account reverts to the Free tier at the end of the billing period. Annual plans: Cancel anytime — your plan stays active through the end of the current month and you receive a prorated refund for the remaining unused months, automatically returned to your original payment method.

Pro provides the expanded estimate summary across market-context carrier references and shows you the rating factors that may influence each estimate. If those insights help you evaluate whether your current premium appears above modeled estimate ranges when you verify pricing directly with a licensed insurer, it's designed for users who want better context around their current premium. Some users find the estimate analysis helpful in evaluating how their current premium compares to modeled market-reference ranges.

If you want ongoing estimate update tracking, Premium is for you. It includes everything in Pro plus scheduled estimate refreshes — we update modeled estimate views using market-reference inputs on a schedule you choose and notify you when your estimate range changes. You also get educational insights into rating factors, What-If estimate simulator (model how profile changes might affect your estimate), factor breakdown (see which rating factors may be influencing your premium), and historical estimate tracking.

Our model-based analysis shows which rating factors may be influencing your premium, refreshes estimate views using market-reference inputs, and can notify you when your modeled estimate range changes.

Premium subscribers get scheduled estimate refreshes — we re-run modeled estimates using updated market-reference inputs on a schedule you choose (daily, weekly, or monthly). When your modeled estimate range changes by your chosen threshold, you get an estimate change alert. Scheduled estimate refreshes help you review updated estimate views without repeating the process manually. Actual premiums must be verified directly with licensed insurers.

Yes! Switch to annual billing and save 25%. Pro drops from $7.99/mo to $5.99/mo ($71.88/yr) and Premium drops from $14.99/mo to $11.99/mo ($143.88/yr). Use the toggle at the top of this page to see annual pricing.

Monthly to annual: Yes. Current monthly paid users can use the Switch to Annual Billing option on this page, and annual billing starts when that switch is processed. Annual to monthly: A self-serve mid-term annual-to-monthly switch is not currently offered on the public site. If you want to move from annual billing to monthly billing, first cancel your annual subscription. If your annual plan is eligible, you will receive the prorated refund described above for unused months. After that, you can resubscribe on monthly billing.

Premium to Pro: You keep the Pro features, including expanded carrier-reference views, confidence ranges, stored comparisons, unlimited manual entries, and renewal alerts. You lose Premium-only features such as factor breakdown, educational rating factor insights, historical estimate tracking, scheduled estimate refreshes, estimate change alerts, the What-If simulator, and priority support. Pro or Premium to Free: You move back to the limited estimate view, lose paid comparison features and alerts, and return to 1 manual entry. Your saved policy, vehicle, and driver information remain on file so you can upgrade again later.

Sygma's estimate workflow accepts all 50 U.S. states plus DC. For location context, the model first uses ZIP-based territory regions where a matching region is available, and if no ZIP-region match is available it falls back to a state-level baseline. That means the product is designed for nationwide state input, but not every carrier reference is modeled identically in every state, and some carrier references may have state-specific availability or eligibility limits. Results remain educational modeled estimates, not live insurer quotes.

Why Pay When Others Are Free?

Because many "free" comparison experiences are funded by lead sales and broad data sharing. Sygma is funded by subscriptions instead.

Feature Sygma Premium Typical Free Lead-Gen Site
Your data sold to carriers? Never Yes — that's how they're "free"
Spam calls after use? Zero Users report 10–50+
Estimate update tracking Not available
Estimate change alerts Not available
Educational rating factor insights Not available
What-If simulator Not available
Historical estimate tracking Not available
Independent model-based estimates No commissions Earns referral fees & commissions

Comparison reflects the standard lead-generation business model used by free insurance comparison sites.

Educational estimate only. Carrier references and pricing bands are derived from SygmaData's independent model using public and historical regulatory filing information and other lawful inputs. They are not insurer-issued quotes, offers, guarantees, eligibility determinations, or recommendations to purchase from any insurer. SygmaData is not an insurance company, insurance agency, insurance broker, or insurance agent, and does not sell, solicit, negotiate, quote, bind, or place insurance. Actual premiums, eligibility, and coverage terms must be verified directly with licensed insurers or licensed insurance professionals.