Gabi Auto Insurance 2024: My Insurance Quote Experience
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Gabi could improve slightly by helping users understand how changing the available coverage options can impact your quote.
8.5/10
Cost
9/10
Features
8/10
Ease of use
9/10
Services
8/10
Who is Gabi? And what does she have to do with my car insurance?
It turns out Gabi is a relative newcomer to the car insurance scene but has been making plenty of waves. Gabi Insurance isn’t your typical brand-name, mega-sized auto insurance provider. Gabi isn't an insurance agency. Instead, Gabi is a free tool that generates car insurance quote comparisons to help you find the best price.
The result? In minutes, you can find out if there are better rates than your current insurance by switching auto insurance companies.
I decided to see if I could save money on my auto insurance policies. Here's my complete Gabi insurance review and my experience throughout the process.
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What is Gabi?
Gabi is an innovative comparison site for shopping for auto insurance. It brings AI-powered technology and information together to provide users with instant quotes. Gabi currently offers this service nationwide for all types of insurance, including auto, homeowners, renters, landlord, and umbrella policies. (It does not offer life insurance coverage.)
Use Bankrate to Save Money on Car Insurance
- Save up to $610 Per Year on Car Insurance
- See Quotes in Minutes
- Compare 30+ Insurance Providers
- Switch Online or Speak to a Licensed Agent
- No Fees to Check Rates, Ever
Sure, you can go from one website to another when insurance shopping... and painfully input your information every time to receive pricing quotes.
Another option for comparison shopping is to use an insurance broker and let the broker shop around for insurance products to find the best rates for you. This requires you to:
- Find a broker
- Pick up the phone and provide your details
- Wait for the broker to get back to you
- Review the information captured on your behalf
- Discuss your decision with the broker
But thanks to Gabi, you can now avoid both tedious processes.
Founded in 2016 in San Francisco, Gabi saw a need for comparison tools that use state-of-the-art AI technology to get answers to consumers as quickly as possible — all without selling your personal information to someone looking to make a quick sale. Answers to questions such as how much my car insurance could be per month or what discounts are available to me get answered.
But what makes Gabi different from other insurers offering quotes for your car insurance rates?
One of the biggest advantages of Gabi is it compares 40 insurance companies. Can you imagine the time it would take to look at each one of these carriers individually? No thanks.
Gabi isn’t in the insurance business to sell your information to other car insurance companies. Gabi gets paid by the insurance companies, but only if you decide to purchase a policy through the Gabi site — not from the sale of your information.
How does Gabi work?
Gabi is surprisingly simple to use. I was hesitant to enter my information (OK, by hesitant, I mean lazy), but once I started, it was so straightforward that within 3 minutes, I had my quote.
The information required to generate a quote is basic. Name, address, birthday — all the typical questions you would expect to provide.
To get a precise quote, you can manually enter your current policy information with an uploaded copy of the policy (referred to as a “dec” page). You can also connect your auto insurance account information and log in, and Gabi can grab the information for you. I happened to have a PDF on my computer, so I quickly uploaded it.
To get a more accurate quote, Gabi asks for details on the drivers who need coverage and their driving records and history. The additional questions were easily answered from memory.
Gabi gets to work and takes the information to search for lower rates. The savings Gabi finds are verified and then sent for your review. Gabi checks AAA, Allstate, Travelers, Hippo, and Safeco rates.
Within a few minutes, I had a personalized quote showing my annual savings over my current insurance company based on information closely matching my coverage. According to Gabi, two-thirds of customers save an average of $961 annually when using its service.
If you don’t have a current auto insurance policy, Gabi will ask for general information to provide a quote.
Once you receive your quote, click “Edit Coverage” to play around with coverage options. This allows you to modify the policy settings and see if changing your options can yield further savings.
To finalize a quote, I inform Gabi via the website, text, or phone call to customer service. I will be assigned a Gabi insurance advisor to take me through the next steps.
The coverage information provided in the quote
When you’re working through your quote, Gabi walks you through your vehicles and policy details.
For instance, you can expect to see the coverage options and how much is provided within each benefit, such as:
- Bodily injury
- Property damage
- Medical payments
- Comprehensive
- Collision
- Car rental reimbursement
If there’s a coverage option you’re unsure of, simply click on it for further explanation. You can also contact customer service if you still have questions about the coverage details.
How much does Gabi cost?
Gabi is free to use. The company aims to save you as much money as possible on car insurance.
Gabi auto insurance only makes money if you purchase a policy through one of the quotes provided. Gabi earns its money from individual insurance companies, and you never have to pay for receiving a quote.
Use Bankrate to Save Money on Car Insurance
- Save up to $610 Per Year on Car Insurance
- See Quotes in Minutes
- Compare 30+ Insurance Providers
- Switch Online or Speak to a Licensed Agent
- No Fees to Check Rates, Ever
Gabi features
Now you know how Gabi works and how much it costs, so let’s discuss what makes it such a unique comparison tool.
Lighting fast
The first feature I noticed was the speed of the Gabi site. Once I input my information, the next step was only a second away. The information was easy to input, giving me less time to fumble.
Once I imported a copy of my policy (via PDF), Gabi quickly grabbed my information so I didn’t have to spend more time researching my policy specifics.
As I entered my driver and vehicle information, I was concerned it would take too long to add the additional details. But to my surprise, it was quick, and the questions were simple.
Easy-to-understand language
One reason the Gabi site is easy to follow is the use of regular language, which is free from too much insurance jargon. As you move through the quote process, if you have any questions about a term, there’s typically additional information.
For instance, if you want to change any of the inputs for your quote, you can easily do so. But if you don’t understand what bodily injury liability means and you’re contemplating adjusting it, simply click for a more detailed explanation.
True head-to-head comparisons
Because Gabi uses your specific policy information, it can provide an exact, apples-to-apples comparison from what you already have.
This means that when you see a quote from Gabi, it does not tell you what you could be paying. There are no suggestions, such as raising your liability coverage here or dropping your rental car reimbursement there.
Instead, you will see the exact dollar amount you will pay based on coverage that matches what you have now (or as close to it as possible).
Again, imagine how long it would take to put in your exact coverage details for each insurance carrier to receive a true comparison.
What did my head-to-head comparison look like?
My results came back with lower quotes (compared to my current policy) from Travelers Insurance and Progressive. I was shocked to see that I could save up to $926 per year if I switched to Progressive.
Of course, I had to remind myself that all of this information is based on my input and isn’t necessarily the final number. But it’s a great place to start for a true comparison and a chance to save money.
Accessible customer service
Within a few hours of receiving my personalized quote, I received a text message asking if I had any questions. I have no idea who was on the other end of the text, but I personally like being able to text my questions instead of picking up the phone.
You can access customer service via text, website, the Gabi app, or phone contact. Gabi is accessible, saving you time if you don’t have time to chase down the answers you need.
Who is Gabi best for?
Overall, I would say most people can benefit from Gabi, but specifically:
- Experienced policyholders. As an experienced policyholder, I found the questions easy to answer, but someone new to the auto insurance world might not have the same experience.
- Anyone who wants to save money. If you want to save money or ensure you’re getting the most for your current policy and budget, then you owe it to yourself to try Gabi. If you can save monthly money and put it towards something besides auto insurance, why not?
Who shouldn’t use Gabi?
Who might not get the most benefit out of Gabi?
Those who have never purchased their own policy. If this was my first policy purchase or if I was a new driver, I might not get all the information I needed up front to make the most informed decision. Information such as how much coverage I need or if this feature is worthwhile?
Although it’s not impossible to navigate independently, you will likely have questions if you’re new to paying for your auto insurance.
Gabi can still put together a quote for those who have never had a policy, but let’s face it. Insurance companies love their industry jargon, and it can be a lot to understand sometimes. This is especially true if you’re new to purchasing car insurance for yourself.
For this reason, I would recommend Gabi to someone who’s already somewhat familiar with insurance terms and coverage options.
Use Bankrate to Save Money on Car Insurance
- Save up to $610 Per Year on Car Insurance
- See Quotes in Minutes
- Compare 30+ Insurance Providers
- Switch Online or Speak to a Licensed Agent
- No Fees to Check Rates, Ever
Pros and cons
There are other pros and cons to consider whether you choose Gabi to generate a quote or purchase a policy from them.
Pros
- Innovative technology. The AI technology Gabi uses delivers consumers a fast, hassle-free experience. The innovative technology means Gabi can analyze 40 insurance carriers at once.
- Intuitive to use. The website and app are written in everyday language, and the questions are easy to answer.
- You really can save money. From the results of my personal quote to other reviews offered, it’s clear Gabi can help save money. If you’re looking for harmless ways to eliminate waste from your budget, Gabi offers a solution for potential savings.
- And you’re saving time too. It would take forever to input individual information with each of the websites Gabi uses for comparison. Gabi can save you time, which may be as important as money savings.
- Lots of positive reviews. Since Gabi has been operating for several years now, there are lots of positive reviews. Many users agree Gabi has saved them hundreds, and in some cases, almost a thousand dollars each year. Other reviews comment on how easy Gabi is to use and quickly get your quotes.
Cons
- Needs further explanation. It’s unclear if I only had two options presented to me because of the inputs I made, or if it’s because the companies Gabi uses can’t match my current policy line by line. Personally, I would prefer more information such as how many companies were reviewed in total, even though I see only two were less than my current rate.
- Complete privacy is still unknown. Another con to the process is putting trust in Gabi to keep information secure. Yes, the website confirms Gabi uses 128-bit key encryption and uses the Secure Sockets Layer (SSL) for added security. But there is still a bit of hesitation (at least on my part) to input my login credentials for my current policy for Gabi to access. Perhaps this is unfounded, but it’s still a little unsettling. It’s another reason why I chose to upload a PDF, instead of providing my login credentials for my insurance company.
- Lack of ratings information. If you’ve ever spent time on an insurance website like State Farm or Geico, you may have noticed the financial ratings are typically listed on the site. This allows the consumer to access important information such as an A.M. Best rating or the Standard & Poor's Global Ratings. It gives you the confidence (or lack thereof) that the company is financially stable to support insurance claims. Because Gabi isn’t the actual insurance carrier, the ratings for these carriers aren’t at your fingertips. You won’t see the ratings unless you go directly to the individual insurance websites.
- You must have a cell phone. To sign up for an account and view your quotes, you must use a cell phone for verification purposes. This is part of the 2-factor authentication process for security reasons. So if you don't have a cell phone, you won’t be able to create an account.
Gabi vs. competitors
Are there other sites offering the same service as Gabi? Yes, two in particular.
Compares auto insurance carriers | Offers suggestions to save money | BBB rating | Cost | |
Gabi | Yes | No | A+ | Free |
Policygenius | Yes | Yes | A- | Free |
Zebra | Yes | Yes | A- | Free |
Policygenius
Policygenius is a popular auto insurance comparison tool. Like Gabi, the more information you can provide, the better your head-to-head quote will be. Policygenius is similar to Gabi in that you might receive multiple quotes showing where to save money.
Policygenius is different from Gabi because it takes the information further and educates you on each aspect of your auto insurance policy. The website has a ton of helpful information so you can make a decision whether you’re brand new or an old pro. They also provide additional details on discounts you might qualify for to lower your premiums.
Zebra
At first glance, Zebra seems similar to Gabi. Zebra provides quotes from various insurance companies. It currently works with at least 30 auto insurance carriers to provide accurate information. It’s a free service, and like Gabi and Zebra, it promises quick, easy-to-understand information surrounding your quotes.
Where Zebra differs from Gabi is it’s only a quote generator; you don’t work with an insurance agent to finalize your policy details. You save time by inputting your information once, and Zebra gives you quotes based on your location.
FAQs
How much does Gabi cost to use?
Gabi is completely free to use.
Does Gabi pull my credit for a quote?
No, Gabi does not perform a credit check to provide a quote to you. However, a soft credit pull is typically used by the insurance company you end up purchasing a policy with during the final application process.
Does it matter what state I live in if I want to use Gabi?
Gabi is a licensed insurance broker for all 50 states and Washington D.C., so no need to worry about any location exclusions.
Why did my price change after my quote?
Gabi offers an initial quote based on the basic information you input. If you decide to move forward with a policy through Gabi, your credit and driving history will be pulled during the application process. If there are any changes in information, it can alter the amount of your policy.
Use Bankrate to Save Money on Car Insurance
- Save up to $610 Per Year on Car Insurance
- See Quotes in Minutes
- Compare 30+ Insurance Providers
- Switch Online or Speak to a Licensed Agent
- No Fees to Check Rates, Ever
Is Gabi legit?
Overall, my experience with using Gabi for an auto insurance quote was straightforward and a little surprising, and I would recommend it to almost anyone. I was most surprised by how user-friendly it was, not to mention the amount of money I could save if my quote was correct.
Gabi could improve slightly by helping someone understand how changing the available coverage options can impact your quote. Experienced policyholders would likely find Gabi useful, whereas new users might be confused by some of the information presented.
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Writer
Sara Coleman is a former corporate gal turned creative entrepreneur. She began writing professionally several years ago and now contributes to multiple websites, blogs, and magazines. She’s also an avid reader and can’t resist a great historical fiction novel. Sara holds a BA in journalism from the University of Georgia and can be found supporting her Bulldogs every chance she has. She resides in Charlotte, North Carolina, with her wonderfully supportive husband and three children. When she’s not ushering her kids to sports and dance lessons, she can be found creating content for her own website, TheProperPen.com.
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