Insurify Insurance Broker Review 2024

Insurify is an insurance broker, not an insurance agent. What’s the difference between agents and brokers? While agents represent specific insurance companies, like Progressive, brokers represent you, the buyer, to multiple companies. Brokers will present you with a range of options, not just a quote from a single provider. Similar to Experian, Insurify is a broker that does not charge the user for its services. Rather, you’ll fill out your personal, vehicle, and driving history information and will get offers from multiple providers.

Instead of customers paying for broker services, the insurance companies themselves pay every time Insurify delivers from a customer, or even a click.

Anyone can use Insurify to shop the auto insurance market, but it will work better for some people rather than others.

Insurify is best for you if you:

• Want to compare multiple car insurance companies at once
• Want to get quotes online
• Want to complete the purchase process online

However, I’d recommend another option if you:

• Are not tech-savvy
• Want to work with an in-person agent or broker

Since Insurify connects you with a variety of providers, the cost of your insurance will depend on the providers themselves and not on Insurify.

While I can’t tell you what your exact premiums will be, the averages below will give you an idea of what you can expect. Learn more about the cost of auto insurance.

Saving on your Insurify policy will mean different things depending on which provider you choose. For example, when I looked deeper into Progressive, Insurify’s top recommendation for me, I found a few discounts that applied to me.

Multi-Policy Discount

One way to save money is by grouping multiple policies under the same provider. With Progressive, I could have combined my auto insurance with:

• Home, condo, or renters insurance
• Boat insurance
• Motorcycle insurance
• RV insurance

While savings may vary, the average is 5 to 7 percent, and around 20 percent if you bundle home and auto.

Safe Driver Discount

At the risk of bragging, I’m a pretty safe driver. That’s why I joined Progressive Snapshot, the company’s version of UBI, or usage-based insurance. Basically, I used Progressive’s Snapshot app to track my driving behaviors, everything from my braking and accelerations to my late night driving, mileage, and distracted driving. Savings may vary, but the average driver who saved using Snapshot saved $231 over the course of the year.

Homeowner Discount

Lastly, I am a new homeowner, which meant that I got a discount on my auto insurance. This applies to anyone who owns a home, even if it’s not insured by Progressive.

Here is a complete list of all the potential savings with Progressive, but note that they vary by company:

• Automatic payments
• Bundling
• Continuous insurance
• Distant student
• Good student
• Homeowner
• Multiple vehicles
• Online quotes
• Paperless documents
• Pay-in-full
• Safe driving
• Sign up online
• Teen driver¹

Getting a quote from Insurify didn’t take me long; probably only about 10 minutes total. However, the process wasn’t as smooth as I wanted it to be.

First, I filled out information about my claims and accident history, my current insurance, my vehicle, etc. I also filled out personal information like my home address, phone number, and birth date.

Once I was done filling out the form, Insurify provided me with a list of insurance companies that would accept me. However, unlike Experian, which showed me the quotes on its website itself, Insurify didn’t actually show me any quotes. To find out what I would pay with each provider, I clicked on View Deal and was redirected to each provider’s website.

I chose Progressive and had to fill out some more specific information about my vehicle make, model, and model year, the drivers on my policy, etc. Finally, once I had filled out all that information, I got three quote insurance quotes from Progressive, for anywhere from $144.13 to $241.16 for a six-month package. Progressive’s pricing is pretty reasonable, but finding out if it’s the absolute cheapest would have required me to complete the process with the other providers. Not the most efficient thing in the world!

Still, using Insurify definitely took less time than getting quotes from individual companies, but overall, I would have loved it if the Insurify website itself told me quote estimates.

Because Insurify works with a wide range of insurance companies, essentially, you should be able to find the coverages you’re looking for. Every company is going to have not only minimum coverage, but also full coverage car insurance, which includes liability, collision, comprehensive, and uninsured/underinsured motorist coverage, as well as medical payments coverage and personal injury protection (PIP.) But if you do a little digging, you can find companies with extras, such as:

• Rideshare coverage: Anyone who drives for Uber or Lyft needs rideshare insurance. While rideshare companies insure drivers while they have passengers in their vehicles, they aren’t covered when they’re waiting to be matched, or driving to pick up a passenger.
• Gap coverage: Required for loaned or leased vehicles, gap insurance means that you won’t be paying for your car after you total it. It covers the gap between your car’s actual cash value, what it is worth today, and the balance left on your auto loan or lease.
• Classic car coverage: Insuring classic cars is different than insuring regular cars. For example, while regular cars lose value the second you leave the dealership, classic cars hold or even appreciate in value. You’ll need to protect your investment with classic car insurance, which not all companies offer.
• Rental car reimbursement: Different from rental car coverage, which is insurance for rental cars themselves, rental car reimbursement pays the cost of rental cars when your car is being repaired or replaced under a covered claim. Typically, your insurance will cover your rental car up to a daily amount, for a limited number of days. If you are dependent on your car to get around, this insurance will come in handy the next time your car’s in the shop.
• Travel expenses coverage: Typically an add-on to rental car reimbursement, travel expenses coverage covers, well, your travel expenses if your car breaks down a certain distance from home. It covers lodging, food, and transportation costs that you incurred as a result of a covered claim.

Typically, I use J.D. Power’s annual surveys to gauge customer satisfaction with auto insurance companies. But remember, Insurify is a broker, not an agency, so I had to turn to customer reviews on Trustpilot and the Better Business Bureau (BBB).

I was very impressed with how Insurify fared. It has a 4.8 out of five-star rating on Trustpilot.² Not only that, but it has a 4.56 out of five from customers on the BBB, and an A+ from the BBB itself. Insurify has been BBB-accredited since 2020, which should make you feel better about entering your personal information.³

Technically, this heading is a misnomer, as I’d never file a claim with Insurify. Rather, I’d file a claim with the insurance provider that Insurify connected me with. The claims process would depend on that provider. Some companies offer online claims, over the phone claims, email claims, or even snail mail claims. Make sure your provider makes it easy for you to file claims.

To gauge customer satisfaction with the claims process, check out J.D. Power’s Auto Claims Satisfaction Study, an annual survey of nearly 10,000 real auto insurance customers who have settled claims within the past nine months.⁴ You can also check out the annual CRASH Network Report, which asks auto repair shops about provider’s handling of policies and payments.⁵

Insurify makes it easy to compare quotes from multiple car insurance companies in minutes. The form displayed only one or a few questions at once, so it wasn’t overwhelming, and I liked the fact that it showed me my progress at the top. My only complaint is that I wasn’t given actual estimated quotes at the end, so I didn’t really get the information I was looking for, only companies that would accept me.

I also checked out Insurify’s app, which has average ratings: a 3.7 from iPhone-users and a 3.6 from Android-users. I can understand why. Although I’d already made an account and gotten recommended companies online, when I opened the app, it had me start the quote process over again. When I pressed the help button, I was shown the below page suggesting I either talk to an agent over the phone or email the company. I couldn’t figure out a way to sign in and access my existing information, and others complained about this in the app’s reviews, as well.

While I’m pleased that there is an easy way to contact a real human, not being able to sign into an account on an app is strange, not to mention more than a little cumbersome.

Insurify is an online broker that shops the auto insurance market for you, with strong ratings from Trustpilot and the Better Business Bureau. It’s a good option for people who like to shop online, including high-risk drivers. Once you enter your information, Insurify presents you with a list of insurance companies that will accept you as a customer. However, it may not present quote estimates. Instead, you’ll be redirected to the insurance company’s website, and enter your information there to receive a quote.

Since insurance brokers shop the auto insurance market for you, rather than directly sell you insurance, we review them differently:

• User experience: I personally navigate the process to assess how straightforward it is to obtain multiple quotes and purchase a policy through the broker.
• Customer satisfaction ratings: So that my findings aren’t solely based on my experience, I review customer ratings on Trustpilot and the Better Business Bureau.
• Online tools: I evaluate a broker’s website and mobile app to see if they are user-friendly for all customers.

Given that coverage options, discounts, claims practices, and premiums vary among providers, I can’t evaluate Insurify on these aspects, as it functions as a broker rather than an insurance provider. Our comprehensive reviews offer detailed information on each auto insurance provider.