Polly

Car buyers have stopped looking at the car payment and started looking at the total cost to own the car. New car payments hit a record $770/month this year. A huge number, but still doesn't account for the rest of the cost to own a car. When totaled up -- insurance, gas, and repairs -- push the cost to own a new vehicle to well over $1000 a month. At that number, finding a car buyer $90 a month (or more) savings could be the line between a closed deal and a lost one. We can help find those savings by lowering a buyer's insurance premium, not discounting the payment. No renegotiating the deal. No cutting into gross. Just finding savings in the moment to lower the total cost of ownership materially. #automotive #dealerships #dealers #autoinsurance #carinsurance

Proud to be partnering on Payment Guard Advantage with TruStage®, a simple, affordable protection for when life doesn't go according to plan. Job loss and disability don't pause the bills. Now there's an affordable, flexible option to help bridge that gap that is a part of the Polly experience. Thanks to the TruStage team for a growing partnership!

Big news: we've expanded our partnership with TruStage®, adding TruStage Payment Guard Advantage Insurance to our platform. Payment Guard Advantage is a lump-sum cash benefit that kicks in if a customer experiences an involuntary job loss or qualifying disability from an accident or illness, starting at less than $18/month, no medical exam required. It joins our existing lineup of auto, home, and life insurance products, giving the people we serve a more complete financial safety net in one place. As Erica Escobar, our Senior Director of Sales & Service, put it: "Life doesn't pause when income stops, and this product helps members stay financially stable during some of the most stressful periods they'll face." We're proud to deepen this partnership with TruStage and keep building toward something bigger: embedded insurance that delivers unexpected value when people need it most. https://lnkd.in/ez9d5y8f

Six years. Countless calls. One genuinely great teammate. Sue O'Brien, Customer Service Representative, is retiring from Polly, and we wanted to make sure she got a proper sendoff. Sue came to Polly planning to be in sales and ended up in Customer Service. Her take: "I should have been in customer service all along." Hard to argue with that. When asked what excited her most about her work, she put it simply: "My heart races after finishing a great call, where I know that we made a difference in a customer's life.” That's the kind of energy that's not easy to replace. Thank you, Sue for six years of showing up for our customers and your teammates!

It's no longer about the sticker price. It's about the total cost to own the car, and the math has simply stopped working for most consumers. Edmunds reports that a growing share of new vehicles now carry a price tag north of $55,000. AAA puts the national gas average at $4.25 a gallon. Vehicle repair costs are up 43% since 2019 according to Auto Finance News. And per our last quarterly report, the average policy has stabilized but still runs over $2,000 a year. The affordability squeeze is real and dealers are feeling it. That's why shopping insurance at the point of purchase matters. Savings on a policy aren't a small thing. For a lot of customers, it can be the difference between between closing the deal and walking away. #carinsurance #dealerships #dealers #autoinsurance #affordability

Your F&I team's time is too valuable to spend tracking down insurance. The most successful dealers we work with have figured this out: by the time a customer sits down with F&I, everything should already be in order -- insurance bound, documents ready, deal intact. That's what Polly makes possible. When insurance gets handled at the point of sale, you eliminate one of the biggest sources of delay and distraction in the car-buying process. The time customers spend between the sales desk and F&I keeps creeping up. Every minute is a chance for doubt to set in. It's a better experience for the customer and a more efficient process for the dealership. That's the power of embedded insurance.

To those who made the ultimate sacrifice — we remember you, we honor you, and we are grateful. Wishing everyone a meaningful Memorial Day. 🇺🇸 #MemorialDay #RememberAndHonor

LexisNexis just confirmed what we've been tracking in our own data: insurance isn't a side conversation in the car deal anymore. It IS the deal. Their new report found 56% of consumers rank insurance as the second most important factor in a vehicle purchase right behind the monthly payment. Record shopping levels, rising bodily injury costs, payment-sensitive buyers walking away. Here's what our own 2026 Embedded Auto Insurance Study found: 76% of car buyers say insurance cost is an important factor when buying a car up from 62% last year. Insurance now outranks brand loyalty (69%). For context, brand used to be one of the defining factors in the deal. That's a fundamental shift in what buyers care about. 59% say rising insurance prices may delay their next vehicle purchase entirely. Among Millennials and Gen Z, that number climbs to 68%. LexisNexis called it friction. We'd call it a demand problem hiding in plain sight. 35% of buyers have already walked away from or delayed a deal because they couldn't get insurance lined up in time. That's a hidden deal killer many GSMs and F&I managers haven't quantified yet. And here's the one that should stop every dealer in their tracks: 79% of buyers arrive at the dealership confident they already have the best rate. 68% of them are wrong. They don't know they can save. That's an opportunity sitting in your showroom every day. The upside is just as clear. When buyers save around $80/month on insurance at the dealership: → 71% say they'd upgrade to a nicer vehicle → 71% say they'd add protection products like GAP or warranties → 78% say they'd feel better about the purchase overall → 76% say they'd return for service The dealers winning right now are the ones who've made insurance a standard part of the workflow. Get our 2026 Embedded Auto Insurance Study here: www.polly.co/study #insurance #autoinsurance #carinsurance #dealers #dealerships

30 minutes. That's what Lance Blanton, GM at Montrose Kia, says Polly shaves off the car-buying process. "That's gold in the car business." He's right. Every minute a customer spends waiting, worrying, or scrambling to get insurance sorted is a minute they could talk themselves out of the deal. Polly flips that. Instead of sending buyers off to figure out insurance on their own, Montrose Kia handles it right at the desk — quotes from 40+ carriers in minutes, proof of insurance before they leave the lot. The deal keeps moving. The customer stays engaged. And 30 minutes of friction just... disappears. See how Montrose Kia is using insurance to close more deals, faster → https://bit.ly/4wq0ZwM

At Montrose Kia, insurance used to be a familiar friction point: a customer finds the right car, gets excited, starts working the numbers… and then insurance pushes the full monthly cost out of reach. So Montrose Kia brought insurance into the sales workflow with Polly. The result? 5–10 more same-day deals closed on average. By helping customers compare insurance options during natural downtime in the deal, Montrose Kia is helping buyers stay on budget, keep the process moving, and drive home with confidence. As Lance Blanton, General Manager at Montrose Kia, put it: “Polly gives the tools to the salesperson to be able to close the customer. Same with the finance manager to be able to pitch product and make sure that everything's in line with their budget.” That’s the power of embedded insurance. It’s not just another product. It’s an affordability lever dealers can use to help more customers say yes. Watch the full Montrose Kia case study