Sacramento, CA
A Sacramento independent insurance agency had a strong book of business but was losing renewal clients to direct-to-consumer insurance platforms that offered instant quotes and digital policy management. Their renewal process was entirely manual, new policy sales relied on agent cold outreach, and claims guidance was handled through time-consuming phone calls.
We built a complete digital insurance platform — an AI underwriting assistant that generated instant comparative quotes for new prospects, a policy comparison tool that made coverage differences clear to non-expert clients, automated renewal campaigns that engaged clients 90 days before expiration with personalized coverage review recommendations, and a self-service claims portal that reduced claim-related call volume by 65%.
Analyzed renewal patterns, lapse triggers, and claims history to identify the highest-value intervention points in the client lifecycle.
Built the comparative quoting AI integrating with multiple carrier APIs to generate side-by-side coverage comparisons instantly.
Built the automated renewal campaign system with personalized coverage gap analysis and proactive outreach sequences beginning 90 days pre-expiration.
Developed the self-service claims portal and executed a digital marketing strategy targeting Sacramento-area small business insurance searches.
Proactive renewal campaigns with personalized coverage review increased renewal rate from 71% to 88%.
Instant AI quoting converted online prospects who previously would have gone direct to carrier websites.
Self-service claims portal reduced agent time on claims guidance by 65%, cutting per-claim handling cost 40%.
Combined effect of better retention and new policy growth delivered 38% revenue increase in 18 months.
“We were watching clients leave for Lemonade and Progressive because they could do everything online. Now we offer a better digital experience than the direct platforms — and we still have real agents.”
Let’s discuss how Calidigi can deliver results like these for your industry — with a custom strategy built around your goals.