Monday, December 2nd
2024 Auto Insurance Plan Reviews
Gabi
- Free tool
- Quotes in as little as 2 minutes
- Operates in all 50 states
- Won't sell your information
- "A+” Better Business Bureau rating
Gabi is a free tool for people wanting to compare home and auto quotes across top providers by visiting one single place. They aim to find you the cheapest rate for your exact coverage and operate in all 50 states. Gabi says they are different because they aren't a lead generator that takes your information and spams you, but rather aims to build relationships with customers and will never share your data or cold call you.
Use your current insurance policy
The way Gabi is able to quickly pull insurance quotes for you is by using the account credentials to your current insurance account (or with a PDF of your policy declarations page) if you're able to provide that. If not, you can do it later in the process. The idea is that Gabi instantly compares your policy with quotes from every major insurance company to help you find the best rate. You may need to fill in some additional details along the way (plus the usual personal stuff like your name and email address), but Gabi is supposed to save you time by utilizing the information that's associated with your current policy. In most cases, this only takes about 2 minutes unless your information can't be verified. In this case, it will have to be manually reviewed, which can take up to 48 hours.
Sign up straight through Gabi
If you receive quotes that are lower than what you're paying, you can buy the new policy directly through Gabi. They'll verify your quote with the insurance company they found for you, get a final price, and help you dot all the i's and cross the t's to get it done.
Completely free
After you receive a quote from Gabi, there is no obligation to move forward. Their tool is completely free, no matter what. The only way they make money is from the insurance companies they work with when they sell one of their policies. They say that they're generally able to find savings for about two-thirds of their customers, with an estimated savings of about $961 per year.
A good starting point
If you've landed on Gabi's website before finding other quotes or browsing other companies, it's a good place to start. Their website is a bit wordy, but it's really informative. To start, they give an overview about why comparing quotes is even important. They'll give you tips on comparing quotes, explain what factors influence car insurance rates, give tips on how to lower your rate, and provide an FAQ for people wanting to learn more about Gabi or understand the auto insurance world. We really appreciate all this information and feel that it's useful for everyone to review.
Mixed ratings
Gabi has an "A+” rating from the Better Business Bureau. They're owned by the company, Experian, who unfortunately has a "D-” rating. There are mixed views on whether or not Gabi actually provides competitive quotes and saves customers much money. Some people feel that in the end they really aren't getting a great deal by using this tool to switch policies. But, pricing will be different for every person, so until you get a final price from Gabi, it's hard to know.
Keep expectations low
If Gabi really makes it as fast and easy to get an auto insurance quote as they say, you might as well see what they can offer you. Just beware that the big $961 number they throw out about how much savings they could offer could be grossly exaggerated or really rare. If you go in with low expectations, it wouldn't hurt to see what quotes are out there for you, especially since Gabi won't sell your information. They've earned an above-average rating from us.
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Whether you've just turned 16, or you're 99 years old and out driving on the roads, you need auto insurance. This protects you and everyone else by making sure that if an accident happens, it will be paid for and taken care of. Whether you get in a small fender bender or (heaven forbid) a devastating large-scale accident, your insurance will kick in and save you from potentially having to pay thousands of dollars out of pocket.
Besides paying for damage done to your car and anyone else potentially involved in an issue on the road, auto insurance can cover things like theft, weather, keying, or natural disasters. It can help pay for medical bills, lost wages, or even a funeral if anyone is injured or killed. There are a range of other things your insurance can help with depending on the plan like a cracked windshield, which comes in handy since we've all been hit by a flying rock or two on the road.
Auto Insurance Plan FAQ
Continued from above...
There are usually different tiers of auto insurance plans that you can choose from that will determine how much is covered. You're probably familiar with a few big-name auto insurance companies that seem to dominate the marketplace with ads and commercials. But there are actually quite a few companies out there and some could save you a significant amount of money compared to their competitors.
You can usually get a quick online quote within minutes that will help you compare pricing between companies. There are even some services that will take your information and instantly help you compare quotes among a bunch of different companies without you having to visit them one at a time. Depending on your driving history, some of these services give you more accurate quotes than others, but it's always worth a try.
We've done a lot of the deep dive research regarding some of the top online websites that sell auto insurance and recommend keeping the following things in mind when you're shopping:
- Quote turnaround time. It's frustrating to spend time filling out personal information on a website and answering questions about your driving history only to find that instead of providing you with an online quote, you have to wait to talk to a representative on the phone. This can drag out the process and make it hard to easily compare quotes among companies.
- Information required. Most companies ask for basic information like your name and email address before getting started with questions about what you need in an insurance policy. However, some companies require a social security number or other private information before providing an online quote, and we would be wary of this. We like companies that just ask for what they need in order to provide you with pricing rather than try to get as much out of you.
- Reputation. Pay close attention to the Better Business Bureau rating and customer ratings of an insurance company. When you're in a situation where you need your insurance company to step in, it's usually not a fun one and you want to work with someone who will be helpful, responsive, and provide payouts quickly. When you pay for auto insurance, you should expect the company to deliver on their product, but unfortunately a lot of companies make this difficult. Look for a place that people are happy with and trust.
The experts at Top Consumer Reviews have researched and ranked the most popular auto insurance sites you're likely to consider when shopping for coverage. We hope this information helps you have peace of mind as you head out on the road and feel taken care of when the time comes to use your policy!
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