Michigan insurance research platform
Put the driver first.
You have spent years proving you are a responsible driver. Help us research an insurance model that recognizes your record without making continuous trip monitoring the default.
Join the Michigan waitlist →Michigan first. Midwest next. National vision.
Development stage
Research → validation → authorized pilot
What you can expect
Honest research, not invented promises.
Evidence stays evidence
Government data, company information, consumer anecdotes, original research, and founder hypotheses remain clearly separated and source-attributed.
Your privacy has boundaries
Market validation avoids Social Security numbers, full driver’s-license numbers, banking information, full VINs, and sensitive claim documents.
No false finish line
Joining is research participation—not an application, quote, binder, policy, premium guarantee, or promise of future eligibility.
A responsible-driver program, built in public
Your demonstrated record should speak for you.
We are building the evidence before building the product—testing demand, privacy preferences, driving-history patterns, claims expectations, and sustainable insurance economics.
Founding Driver program
Don’t just wait for a better insurance company. Help us build one.
Share your current insurance experience, join research surveys, test prototypes, and help define what responsible-driver value should look like.
- Unique research participant ID
- Survey and interview access
- Referral code and participation history
- Future pilot interest—without guarantees
Privacy without pretending underwriting disappears
We are testing whether periodic record verification can reduce reliance on continuous GPS, braking, phone-use, and trip-by-trip behavioral monitoring.
Research that can prove us wrong
Raw counts are not risk. We preserve sources, normalize exposure when reliable data exists, and label findings supported, contradicted, or inconclusive.
Proposed 3–6–9 check
Periodic verification, not constant observation.
3 months
Verify
6 months
Verify
9 months
Verify
Renewal
Review
Concept only. Requires actuarial validation, regulatory review, carrier approval, underwriting validation, and technical validation.
Participation, not pricing
No premium tiers. No fake quote.
You First is not selling insurance today, so there are no plans or policy prices to publish. Participation in the current research stage is free.
Founding Driver research
Free to participate
- Share premium ranges and insurance pain points
- Tell us how you feel about continuous telematics
- Help test claims and customer-service concepts
- Receive research updates and optional survey invitations
What it is not
- Not an insurance application or quote
- Not a guarantee of coverage or eligibility
- Not a promise of savings or pilot acceptance
- Not authorization to sell, bind, issue, or underwrite insurance
Clear answers
Before you join
Michigan drivers
Help build the evidence for something better.
Tell us what you pay, what frustrates you, and whether your responsible-driving history feels recognized.
You First Insurance Company is a developing insurance concept and is not presently offering, binding, issuing, or underwriting insurance through this website. Future products, if offered, will be provided only through appropriately licensed and authorized entities.