Most drivers don’t realize that the smallest auto insurance claims can have the biggest impact on their premiums. A $200 tow, a rental car after an accident, or even a chipped windshield may seem minor — but when filed through your insurance, these “little” claims often get logged just like major accidents. That can push your premiums up by hundreds of dollars a year for several years, or even trigger non-renewal.

SmallGiant was created by independent insurance agents to solve this problem. Instead of running minor claims through your auto policy, SmallGiant is a low-cost membership that covers: Rental reimbursement up to $60/day, Towing & roadside reimbursement up to $120 per incident and Glass/window repair up to $300 on the premier plan.

When a member needs a tow, rental, or glass repair, SmallGiant reimburses the expense quickly and directly — keeping the incident off the insurance record. This protects the driver’s claims-free status and helps prevent premium surcharges that typically add $1,000 to $1,500 over three years.

For agents, SmallGiant provides a unique advantage: it safeguards clients from small claims rate hikes, improves retention, creates a new commission stream, and even allows agents to quote lower base premiums by removing carrier add-ons.

Agents receive 100% of the 1st months commissions, where something like AAA pays agents nothing.

In short: SmallGiant fills the gaps that cost drivers the most — not in the repair shop, but at renewal time.