Renegade Insurance is a US-based, tech-driven insurance platform that empowers independent agents with modern tools to sell multiple carriers’ policies (auto, home, business, etc.). It combines proprietary technology with human expertise to simplify quoting, CRM, and policy servicing. The company operates in 48 US states and has a major development and operations hub in Nepal (formerly Covered by Sage), focused on product, engineering, and support for global operations.

Buying personal auto insurance was often confusing, time-consuming, and inconsistent for customers. Renegade Insurance noticed key challenges in how users compared and purchased policies:

• Manual data collection: Agents had to gather car details, driver information, and claim history through long phone calls or forms.
• Lack of personalization: Customers received generic quotes without factoring in their exact vehicle, history, or preferred carrier.
• No unified comparison: Users couldn’t easily see which carriers offered the best plans or prices for their specific vehicle setup.
• Slow response times: Agents struggled to prioritize leads or follow up quickly, leading to drop-offs before a sale.
• Poor user experience: The process felt disconnected between digital tools and human agents, creating friction in conversions.

Renegade needed a solution that could collect accurate data, generate tailored carrier recommendations, and connect agents with ready-to-buy customers fast.

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This auto insurance app automated and simplified the entire personal auto insurance flow from data entry to carrier matching.

• Smart Data Capture: The app collected all key details—vehicle make, model, year, mileage, claim history, driver information, and location—in one streamlined form.
• Real-Time Policy Matching: Using integrated APIs and rule-based logic, the system recommended the best insurance carriers and plans based on the customer’s profile.
• Automated Quote Suggestions: Users instantly saw personalized recommendations with estimated premiums, removing the need for manual comparison.
• Agent Integration: Once a customer expressed interest, the system notified the assigned insurance agent, who could then follow up directly within minutes.
• Seamless User Journey: The app bridged digital discovery with human consultation, ensuring users got accurate options without losing personal guidance.

This hybrid approach automation with human support gave Renegade a scalable foundation to improve both speed and conversion rates.

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Results and Impact

• Significantly reduced quote turnaround time from days to minutes offering quotes from multiple carriers.
• Improved lead conversion rates through instant agent notifications and better-qualified prospects.
• Increased transparency and trust by showing users clear comparisons and rationale behind carrier recommendations.
• Higher customer satisfaction due to a smoother, guided purchase experience.
• Enabled data-driven insights on customer preferences, vehicle trends, and carrier performance for Renegade’s business team.

The app turned a slow, manual process into a fast, data-driven experience that improved efficiency for both users and agents.




Team Composition:

• 
  Product Manager (Part-Time): Defined user flows, business rules, and carrier selection logic.
• Mobile App Developer (2 Full-Time): Built the cross-platform application with smooth form handling, API integration, and intuitive UI.
• Backend Engineer (3 Full-Time): Developed carrier recommendation algorithms, user management, and secure data handling.
• UI/UX Designer (Part-Time): Created a clean, guided interface for users to input data and review recommendations with minimal friction.

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Results and Impact

• Significantly reduced quote turnaround time from days to minutes offering quotes from multiple carriers.
• Improved lead conversion rates through instant agent notifications and better-qualified prospects.
• Increased transparency and trust by showing users clear comparisons and rationale behind carrier recommendations.
• Higher customer satisfaction due to a smoother, guided purchase experience.
• Enabled data-driven insights on customer preferences, vehicle trends, and carrier performance for Renegade’s business team.

The app turned a slow, manual process into a fast, data-driven experience that improved efficiency for both users and agents.




Team Composition:

• 
  Product Manager (Part-Time): Defined user flows, business rules, and carrier selection logic.
• Mobile App Developer (2 Full-Time): Built the cross-platform application with smooth form handling, API integration, and intuitive UI.
• Backend Engineer (3 Full-Time): Developed carrier recommendation algorithms, user management, and secure data handling.
• UI/UX Designer (Part-Time): Created a clean, guided interface for users to input data and review recommendations with minimal friction.

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