Complete your coverage and protect yourself from deductible payments. Choose between our 3 plans below and start saving today!

Save money on insurance costs!
XShield covers 100% of your deductible!
Have Peace of mind knowing you are fully covered!

$500 Deductible

$ 8.99 /month

Billed annually

  • Save over $350 in case of a claim.
  • Covers 100% of your deductible.
  • 24/7 Support and claim center
  • Update your plan at any time
  • Risk free! No commitment. Cancel anytime.

Here are some facts  

5 Million +

The number of car collisions that occur every year

4 Accidents

The average amount of accidents per American driver


The amount of money you can save with XShield 

How changing your deductible saves you money

The higher your deductible the lower your premiums, and vice versa. For example: Let's say that your collision insurance policy costs $300/month with a $100 deductible. The chart shows how adjusting your deductible effects your costs.

Increasing your deductible from $500 to $1,000 will have the biggest impact on your payment, and can save you hundreds of dollars each year!

XShield deductible protection plan will cover 100% of your deductible, giving you the option to make a very simple choice - increase your auto insurance deductible and save money!

How? Based on the price chart below, if you change your plan from $500 to $1,000 deductible, you will save $59/month, XShield $1,000 deductible protection plan is $13.99/month. your net savings are $540 a year! and in case of a claim - Your deductible is 100% covered!

DeductibleMonthly price
$250$222 (26% lower)
$500$159 (28% lower)
$1,000$103 (35% lower)
$2,000$97 (5% lower)


*This chart is an example, prices vary based on state, insurer and policyholder.

Already have a $1,000 deductible policy?

XShield covers 100% of your deductible. hassle free. Protect your peace of mind and unexpected expenses. In case of a claim XShield will reimburse you $1,000! Either way - you can save money with XShield. It just makes sense.

The XShield Advantage

Protection plan for anyone. Anywhere.

XShield protects you no matter what car you have or who your insurance company is.

Didn’t file any claims?

XShield rewards safe drivers, get 1 month free when you renew your plan!

Switched an insurance company?

XShield covers you all the way, simply upload your new policy and that’s it.

Got a new car?

No sweat, we still got you covered, simply update your account and drive away.

XShield Pays. Fast.

Here are the most common claims we can cover and save you money on:

  • Fender bender
  • Hitting a pole, curb, tree or fence
  • Accident with another car
  • Single car accident
  • Hit & run

If we cover it, well pay it. Fast!

In case of a claim, submit your insurer claim confirmation and we reimburse your deductible payment. Hassle Free.

You are covered for car accidents and collision claims deductibles.

Join Americas #1 deductible protection company!

Join thousands of American drivers already covered by XShield
XShield won thousands of 5 star reviews
The nation’s largest deductible protection company

Frequently asked questions

Why should I get an XShield deductible protection plan?

For the same reason you have auto insurance, to have peace of mind and to potentially save money in case something happens.

XShield can save you money twice, by saving you hundreds of dollars in case you have a claim, and on your overall auto insurance costs - knowing that XShield will cover 100% of your deductible, you can afford to get a higher deductible plan and pay a lower premiums on your insurance policy.

If you’d like to talk to one of our Specialists about getting an XShield plan, just call 415 583 5515. We'll answer any questions you have and even show you how to update your current insurance policy so you can start saving.

What is a deductible?

A deductible is the amount of money you have to pay before your insurance kicks in. For example: If you were involved in an accident and the damage to your car is worth $2,500. When you have a $1,000 deductible this means you will pay $1,000 and your insurance will pay $1,500. With XShield you pay $0.

How car insurance deductible work?

With car insurance, every time you submit a claim you will have to pay a deductible. every time! It doesn't matter how many claims you submit a year or in the lifetime of your policy.

When do I need to pay a deductible?

Whenever you file a claim with your auto insurance. When your insurance pay - you pay.

Should I choose a high or low deductible?

Most people tend to choose a deductible that is somewhere in the middle, the reason is that the lower your deductible - the higher your premiums, and vise versa, the higher your deductible - the lower your premiums. XShield provides you with deductible coverage, so in case of a claim you will not pay your deductible, this provides an easy solution to this question - If your deductible is covered, you can afford to get a plan with high a higher deductible and pay less premiums! Save money on your insurance payments, and in case of a claim - your deductible is 100% covered by XShield!

Is a high deductible good?

Well, since XShield covers 100% of your deductible, it is great because you will save money on your auto insurance premiums.

How can I find out what is my deductible?

Your deductible amount can be found on your insurance policy documents or on your proof of insurance card. If you cannot find your deductible amount, simply call your insurance company or agent and ask what your current deductible amount is.

What does XShield cover?

XShield covers 100% of your deductible in case of an auto insurance claim.

Specifically, the basic XShield deductible protection plan covers all deductibles on auto collision insurance policy claims.

What is the difference between XShield deductible protection plan and a CDW (collision deductible waiver)

A CDW is purchased from your insurance provider and covers your collision deductible costs only when involved in an accident with another vehicle, where you are not at fault and the other driver has no insurance.

XShield deductible protection plan covers 100% of your deductible in case of any collision policy claim.

How do I file a claim?

Easily submit a claim through our simple step-by-step online process. Just follow the steps and your claim will go to processing.

Steps to file a claim:

  1. Click here to file a claim now.
  2. You will need to be logged in to your XShield account.
    If you don’t know the email or password for your account, then simply click on “forgot password”, or contact support.
  3. Follow the step by step instructions to file your claim!

How long does it take for my claim to be approved?

Most claims are handled within 24 hours, once your claim is approved, you will receive a check with your covered amount.

How do I check the status of my claim?

As soon as the status of a claim updates (e.g., your claim is approved or payment  sent) we’ll send you an email letting you know. If you’re concerned about the status of a claim or have questions not answered in an email you received, click here to contact us.

What happens after my claim is approved?

Once your claim is approved, XShield will send you a check for the amount covered in your plan. Simple and fast.

How long does it take for me to receive my reimbursement?

We process most payments within one business day. The time it will take for your reimbursement to arrive depends on the delivery location.

All checks are sent via USPS from our headquarters in San Francisco. As soon as your payment has been processed, we’ll send you an email updating you that it's on the way.

How many claims can I file?

XShield deductible plans include up to two successful claims within a 12 month plan.

When does my coverage start?

As soon as you complete your payment and upload the required documents you will receive a confirmation and your coverage will be active.

Please note, we do not cover damage and claims that occurred prior to your plan purchase.

How do I cancel my plan?

Simply log in to your account and navigate to manage plans, in the options select cancel plan.

You will receive an email confirmation and a refund for the remaining time of your plan.

Please note that you will not be refunded for the time your plan was active.

What info does XShield need to activate my plan?

In order to activate your purchased plan you will be required to upload the following:

  1. Copy of your driver's license
  2. Copy of your auto insurance policy
  3. 5 photos of your car - front, back, sides and roof.

To submit this info anytime, just go to, login and click on manage Plans and upload files. Or email us at [email protected].

What if a few people use my car?

No problem, XShield understands that cars are often shared within family members, you can add drivers to your plan at any time, simply update your plan, complete the additional payment and upload the additional drivers insurance policy.

Please note that XShield will only cover the policies that were uploaded to your purchased plans.

What is not covered by XShield?

XShield will not cover deductible claims for liability policy claims, mechanical repairs, nature and weather caused damage, medical claims, personal injury claims, roadside assistance, towing and labor, theft.

*XShield will not cover damage or claims that occurred prior to the activation of a purchased plan.