Most people assume auto insurance is there to protect them when something goes wrong. And that’s true—but only part of the story.
What many clients don’t realize is how small, routine claims can quietly drive up their insurance costs over time. A windshield chip. A tow after a dead battery. A short rental while their car's in the shop. These seem like minor issues, but they often lead to major rate increases.
That’s where SmallGiant offers real value.
It’s not insurance—it’s a membership that helps cover common car-related expenses without reporting them to your carrier. And that simple shift can have a big effect on how much clients pay for auto insurance.
Here’s the part clients often don’t know.
Insurance companies don’t just look at how much you’ve claimed. They also track how often. A $150 towing claim might seem harmless, but when it hits your policy history, it sends a signal to the carrier: “This driver files claims.”
And in the eyes of an underwriter, more claims—any claims—mean more risk.
The result? Higher premiums at renewal. Even if the claim was small. Even if it wasn’t the client’s fault.
Clients get frustrated, and rightly so. But agents often don’t have a way to prevent it.
SmallGiant changes that. It keeps these smaller issues off the insurance record entirely. That means no claims reported, no red flags to the carrier, and no automatic premium hike next year.
Insurance pricing is based on risk. The cleaner a client’s record, the more leverage they have—whether that’s for keeping rates low or switching carriers for a better deal.
By covering things like roadside assistance, rental cars, and auto glass outside the insurance system, SmallGiant helps clients protect that clean record.
The long-term result?
Lower premiums. More stability. Fewer surprises at renewal.
This isn’t a trick or a loophole. It’s just smart risk management—something most clients don’t even realize they need.
Another overlooked benefit: SmallGiant is easier to deal with than filing an insurance claim.
Clients get quick support for everyday car troubles without getting insurance involved. That makes for a better experience—and fewer headaches for you as their agent.
It also means clients are less likely to delay getting help when something happens, just because they don’t want to “mess up their insurance.”
Unlike traditional insurance riders, SmallGiant doesn’t change the underlying policy. There’s no extra underwriting, no complex exclusions, and no need to restructure coverage.
Clients can pick from a few straightforward tiers—Roadside, Basic, or Premier—and get protection that matches their needs and budget.
This gives agents an easy value-add that fits neatly into any sales or renewal conversation.
When clients avoid unnecessary claims, everyone benefits.
It also reduces service calls, complaints about rate increases, and the pressure to constantly reshop coverage.
SmallGiant lets you help clients in a meaningful way—without adding complexity to your workflow.
Auto insurance works best when it’s used for big problems—not the little ones. But most clients don’t have a good way to handle the small stuff—until now.
SmallGiant gives them a simple way to keep minor costs from becoming major rate increases. It protects their wallet now, and their premium down the road.
For clients who care about keeping insurance costs under control, this is a smart move. And for agents, it’s an easy way to deliver more value, with less friction.
