Our Story
We got tired of being quietly overcharged.
So we built this.
CheckMyOverpay started with a simple question: "Is everyone else paying this much, or just me?"
Turns out, most people have no idea. And the companies charging you are counting on that.
It started with a car insurance renewal notice that went up again, with no clear explanation. A few weeks later, it was an internet bill doing the same thing. Then a wireless bill packed with fees that looked official but weren't.
Everywhere we looked, the same pattern appeared: rates were rising, contracts were getting harder to understand, and loyal customers were quietly paying more than new ones. Not because the service improved, but because most people never check.
So we built CheckMyOverpay to make the check instant. Enter what you pay, compare it to your state average, and get a clearer idea of whether your number is normal or inflated. No signup. No email. No nonsense.
Why we built this
Insurance companies, ISPs, and wireless carriers make billions from people who never check their rates. We wanted to make that check take 10 seconds, not 10 minutes.
Where the data comes from
Our state averages are based on publicly available data from government reports, industry studies, and consumer surveys, including sources like the FCC, NAIC, and BroadbandNow.
Your privacy
No account. No email. No personal data sold. We built this to be useful first. If you want the details, our Privacy Policy explains exactly how we handle data.
How we keep the site running
CheckMyOverpay is free to use. We may earn money through affiliate partnerships and advertising, but never in a way that changes the data or the editorial conclusions we publish.
Meet the Editorial Team
James Whitfield
Insurance & Consumer Finance Analyst
James has spent over a decade analyzing how insurance companies price their policies and how consumers can identify when they are paying more than the market average for their coverage type.
Sarah Chen
Broadband & Telecom Researcher
Sarah covers broadband pricing, ISP billing practices, and internet infrastructure policy in the United States. Her work focuses on helping consumers understand the gap between advertised rates and what they actually pay.
Daniel Reeves
Wireless Industry Analyst
Daniel tracks wireless carrier pricing, MVNO market trends, and the hidden fees that inflate American phone bills. He has a particular interest in how major carriers use device financing to lock in customers.
Editorial standards
We write for people who want a straight answer, not for companies trying to upsell them. That means:
- We cite public data whenever possible.
- We separate facts from opinion.
- We do not publish sponsored content disguised as editorial advice.
- We focus on helping readers understand what they pay, why they pay it, and what they can realistically do about it.
“Our goal is not to tell you what to buy. It's to help you understand whether what you're already paying makes sense.”
- CheckMyOverpay Editorial Team
Get in touch
Found a data issue, have a suggestion, or want to talk to us? We read every message.
contact@checkmyoverpay.com →Ready to check your number?
Free tools. No signup. Just a quick way to see where you stand.