Covered Egg
Covered Egg
Every rate filing an insurer makes is a public document. They land on state regulators' desks weeks, months, sometimes more than a year before the new rates ever impact a policyholder. We'll watch a carrier you care about and notify you when one shows up.
Here's the part most people don't know: insurers can't just raise your rate in most states. Before they can charge a new number, they have to file the new rating plan with the state's department of insurance, who reviews it before it takes effect. The filings include the proposed rates, the actuarial justification, the supporting exhibits — sometimes hundreds of pages.
All of that gets posted publicly. By the time your renewal notice arrives, the increase has often been on the public record for months.
The lead time isn't fixed. A small loss-cost update might land sixty days out. A full pet-insurance age curve, a homeowners replacement-cost study, a private-passenger auto rewrite — those sometimes sit on the docket for a year or more before they bind. That's the window we want to give you.
Pick a carrier below. You can also narrow by state (most rate filings are state-by-state, so a new Texas auto filing won't move a New York policy) and by line of business. Skip those fields if you want to be alerted on anything that carrier files anywhere.
The steepest increases that took effect in the last twelve months, ranked by the largest single rate change inside the filing.
Filings whose effective date has already passed — these new rates are hitting renewals as they come up.
Filings whose new rates haven't taken effect yet: some with a future effective date already set, others still open on the regulator's docket. Your renewal hasn't seen any of these.