Car Insurance Sales Site Redesign

From a generic funnel to a

personalized experience

How did we reduce friction by 48% and increased conversions while simplifying complex decisions?

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seguroscencosud.cl

16:05

Client

Cencosud Scotiabank Insurance

My role

UX research
UX design

Period

2022

Team

Patricio Sánchez Berrios, Product Manager 

Laura Cerra, Insurance Assistant Manager 

Roberto Leiva, Product Owner

Pablo Poblete Arriaga: Customer Experience

Jorge Miranda, UI Senior 

Andres Gustavo Avendaño, Developer

The Real Problem

Why would anyone want to see 34 nearly identical insurance options on their phone?”

This was my first question when I joined the team. The car insurance website had an 80% abandonment rate on the results page. Users saw 34 nearly identical options on mobile screens and left. It was obvious something was wrong, but nobody knew exactly what.

My Methodology: Service Design + Design Thinking
1. Empathize: Research Beyond the Numbers

Instead of just looking at analytics, I applied a Service Design approach to understand the entire ecosystem:

Customer Journey Map

Competitive analysis

Mass surveys

In-depth interviews

Complete Customer Journey Mapping

  • Mapped the 11 key moments: from detecting the need to renewing or canceling
  • Identified all touchpoints between the user and the company
  • Discovered that other channels were competing for the same sale

Multifaceted Research

  • Competitive analysis: 9 direct competitors + international references
  • Mass surveys: 221 prospects + 337 current customers
  • In-depth interviews: 12 people to define archetypes
2. Define: Three User Types, Three Strategies

Three clear archetypes emerged from the research:

Archetypes definition

Pain points of the “hunter” archetype

  • Hunters (48%): Only care about price and speed
  • Copilots (30%): Seek security and confirmation
  • Scientists (22%): Need to understand all the details

Each group had specific pain points that required different solutions.

3. Ideate: Objective Prioritization with RICE

To avoid subjective discussions about what to change first, I implemented the RICE framework:

Initiatives analized with the RICE methodology

RICE = (Reach × Impact × Confidence) ÷ Effort

Result: 19 initiatives objectively prioritized, with “eliminating unnecessary screens” as issue #1 (RICE index: 10,464).

4. Prototype: Modular Solutions
Solution 1: Simplified Flow (from 5 to 3 screens)

Adjustments to the flow

  • Used license plate as starting point
  • Only asked for additional data if not in database
  • Impact: 48% reduction in friction

Solution 2: Hick's Law Applied (from 34 to 12 options)

Desktop version

Mobile version

  • Grouped by deductible and price
  • Showed only the 4 best-selling per group
  • Option to see all available
  • Impact: 65% less cognitive load

Solution 3: Redesigned Cards

Tarjeta original

Tarjeta rediseñada con promoción

Tarjeta rediseñada simple

  • Information prioritized according to user preferences
  • Integrated explanations of technical terms
  • Mobile-first design
5. Test: Iterative Validation
  • 10 users tested navigation: successful
  • Qualitative feedback revealed need to improve copy
  • A/B testing validated each change before implementation

Results

48%

reduction in flow friction

65%

less cognitive load in results

I worked with Gabriel for two years with exceptional results”.

Pablo Poblete, CX Manager
(LinkedIn public comment)

Learnings
  • Service Design reveals hidden problems: Mapping the entire journey showed internal competition between channels
  • Objective frameworks accelerate decisions: RICE eliminated subjective discussions
  • Fewer options = more conversions: Hick's Law was confirmed in insurance
  • Multifaceted research is key: Combining quantitative and qualitative methods revealed unique insights

Contact me

Go to next case study

Car Insurance Sales Site Redesign

From a Generic Funnel to a

Personalized Experience

How did we reduce friction by 48% and increased conversions while simplifying complex decisions?

Finder

File

Edit

View

Go

Window

Help

seguroscencosud.cl

16:05

Client

Cencosud Scotiabank Insurance

My role

UX research
UX design

Period

2022

Team

Patricio Sánchez Berrios, Product Manager 

Laura Cerra, Insurance Assistant Manager 

Roberto Leiva, Product Owner

Pablo Poblete Arriaga: Customer Experience

Jorge Miranda, UI Senior 

Andres Gustavo Avendaño, Developer

The Real Problem

Why would anyone want to see 34 nearly identical insurance options on their phone?”

This was my first question when I joined the team. The car insurance website had an 80% abandonment rate on the results page. Users saw 34 nearly identical options on mobile screens and left. It was obvious something was wrong, but nobody knew exactly what.

Spacer

My Methodology: Service Design + Design Thinking
1. Empathize: Research Beyond the Numbers

Instead of just looking at analytics, I applied a Service Design approach to understand the entire ecosystem:

Customer Journey Map

Competitive analysis

Mass surveys

In-depth interviews

Spacer

Complete Customer Journey Mapping

  • Mapped the 11 key moments: from detecting the need to renewing or canceling
  • Identified all touchpoints between the user and the company
  • Discovered that other channels were competing for the same sale

Multifaceted Research

  • Competitive analysis: 9 direct competitors + international references
  • Mass surveys: 221 prospects + 337 current customers
  • In-depth interviews: 12 people to define archetypes

Spacer

2. Define: Three User Types, Three Strategies

Three clear archetypes emerged from the research:

Archetypes definition

Pain points of the “hunter” archetype

Spacer

  • Hunters (48%): Only care about price and speed
  • Copilots (30%): Seek security and confirmation
  • Scientists (22%): Need to understand all the details

Each group had specific pain points that required different solutions.

Spacer

3. Ideate: Objective Prioritization with RICE

To avoid subjective discussions about what to change first, I implemented the RICE framework:

Initiatives analyzed with the RICE methodology

Spacer

RICE = (Reach × Impact × Confidence) ÷ Effort

Result: 19 initiatives objectively prioritized, with “eliminating unnecessary screens” as issue #1 (RICE index: 10,464).

Spacer

4. Prototype: Modular Solutions

Solution 1: Simplified Flow (from 5 to 3 screens)

Adjustments to the flow

Spacer

  • Used license plate as starting point
  • Only asked for additional data if not in database
  • Impact: 48% reduction in friction

Spacer

Solution 2: Hick's Law Applied (from 34 to 12 options)

Desktop version

Mobile version

Spacer

  • Grouped by deductible and price
  • Showed only the 4 best-selling per group
  • Option to see all available
  • Impact: 65% less cognitive load

Spacer

Solution 3: Redesigned Cards

Tarjeta original

Tarjeta rediseñada con promoción

Tarjeta rediseñada simple

Spacer

  • Information prioritized according to user preferences
  • Integrated explanations of technical terms
  • Mobile-first design

Spacer

5. Test: Iterative Validation

  • 10 users tested navigation: successful
  • Qualitative feedback revealed need to improve copy
  • A/B testing validated each change before implementation

Results

48%

reduction in flow friction

65%

less cognitive load in results

I worked with Gabriel for two years with exceptional results”.

Pablo Poblete, CX Manager
(LinkedIn public comment)

Learnings
  • Service Design reveals hidden problems: Mapping the entire journey showed internal competition between channels
  • Objective frameworks accelerate decisions: RICE eliminated subjective discussions
  • Fewer options = more conversions: Hick's Law was confirmed in insurance
  • Multifaceted research is key: Combining quantitative and qualitative methods revealed unique insights

Spacer

Contact me

Go to next case study