How accurate is this score?

It's directional, not a quote. Insurance savings draw from NAIC + III's shopping-frequency studies (12–22% lift range); refinance savings use Experian Q4 2025 market APR medians by credit tier; warranty savings use FTC/CFPB markup data and Consumer Reports' reliability bands. Real outcomes depend on your driving record, full credit profile, and vehicle-specific repair history.

Does CarSavr keep my inputs?

No. Every calculation runs in your browser. We only see your inputs if you click 'Lock in my savings' on the final step — and even then, only the contact details and the source flag you choose to share.

Why not show real carrier rates here?

Live carrier rates require a soft-credit pull and verified personal info (name, DOB, license). This tool is built to give you an honest estimate without typing any of that. When you're ready, the 'Lock in my savings' CTA drops you into our partner network.

Why does the score combine insurance, refi, and warranty?

Because no other competitor does. Insurify and Compare.com only do insurance; NerdWallet has separate trackers per product. The math says most CarSavr visitors carry savings opportunity across two or three of these categories at any time — and the lowest-friction way to capture it is one assessment, one decision moment.

What is a 'good' Savings Opportunity Score?

Below 30 = your numbers are already strong. 30–60 = $500–$1,500/yr left on the table (worth a 15-minute shop). 60+ = you're materially overpaying somewhere and should switch this month.

How long does this take?

Most visitors finish in under 2 minutes. That's the brand promise — and the literal time the wizard is designed to complete in.

Free calculator · no signup

Your Savings Opportunity Score

Built on NAIC + Experian + III + FTC + Consumer Reports benchmarks. Nothing leaves your browser unless you choose to apply.

1Where · State only
2Insurance · Premium
3Loan · Balance · APR
4Warranty · Vehicle
5Your score · Reveal

Where do you drive?

Insurance shopping savings vary by state — California caps lift around 13%, Florida and Michigan reach 22%. We only need your state.

State

Step 1 of 5

Estimate, not a quote. Actual rates and terms depend on your credit profile, lender, location, and underwriting criteria. CarSavr does not originate loans or issue policies. See methodology · how we make money.

What this means for you

What to do next

Your savings opportunity score points to the vertical where you're leaving the most money on the table. Start with the highest-scoring vertical — that's the one where a single 20-minute action delivers the biggest annualized return.

Open insurance comparison

Assumes: Opportunity scoring weights your current rate vs the carrier-average floor (insurance), your current APR vs the lender-average refinance floor (loans), and your trade-in value vs the dealer trade-in offer ceiling. Higher scores = more annualized savings unlocked.

Connected calculators

One number leads to the next.

Affordability sets your budget. Loan math sets your payment. Insurance + total cost set your real monthly. Move between any of them in one click.

See all calculators

Auto Loan Calculator

Open

Auto Refinance Savings Calculator

Open

Car Affordability Calculator

Open

Total Car Ownership Cost Calculator

Open

Insurance Cost Estimator

Open

Auto Insurance Increase Calculator

Open

Trade-In Value Estimator

Open

Lease vs. Buy Calculator

Open

Bi-Weekly Payment Calculator

Open

Title, Tax & Fee Calculator

Open

Total Interest Paid Calculator

Open

Insurance Premium Predictor

Open

Is an Extended Warranty Worth It Calculator

Open

Ready to act on these numbers?

Compare real offers from top lenders & insurers.

Soft credit pull options · 2 minutes · No spam calls

Free · No obligation · 2 min

CarSavr may earn a commission when you connect with a lender or insurer through our links — it never changes how our editors rank or score providers, and you pay nothing extra. Read our full advertiser disclosure.

Your Savings Opportunity Score

Where do you drive?

What this means for you

One number leads to the next.

Compare real offers from top lenders & insurers.

Common questions

How accurate is this score?

Does CarSavr keep my inputs?

Why not show real carrier rates here?

Why does the score combine insurance, refi, and warranty?

What is a 'good' Savings Opportunity Score?

How long does this take?