TL;DR: Insurify is an excellent and convenient tool for shopping for insurance. You can find, compare, and directly buy quotes through the insurance lookup tool. The company also recently started offering home and life insurance policies as well.
Shopping for insurance is one of those things like death and taxes. Nobody likes them but everyone will have to deal with them at some point in their lives. Finding a good insurance rate can be a time-consuming and frustrating process.
Thankfully, there are several websites where you can compare and contrast insurance quotes from several organizations. Insurify is a platform that lets you search, find, and compare insurance quotes from different providers so you can find the plan that works for you.
Anything that makes shopping for insurance easier is worth checking out in our book. So today we will take a look at Insurify and give it a full accounting. Shopping for insurance is a hassle, but can Insurify make it an easier process?
STREAMLINED PROCESS
You just enter the relevant details and the platform will generate quotes for you. From there, you can buy insurance policies directly from the providers without having to call and set up a quote
LARGE NETWORK
Insurify partners with several big-name providers and offers selections from several less well-known providers. Insurify also covers policies for all 50 states, so no matter where you are, you can find a policy.
CUSTOMER SERVICE
If you have any problems, you can call their offices to get assistance. The team is friendly, knowledgeable, and actually useful.
Insurify: Overview
Insurify is an insurance search engine and marketplace designed to help users compare quotes from different providers. The company is based out of Cambridge. Massachusetts and was officially launched in 2016. The vast majority of Insurify’s business deals with car insurance, though they have recently branched out to include homeowners and life insurance too.
One of the best features of Insurify is that it directly connects people to insurance providers through the platform. That means you don’t have to spend hours calling different insurance companies and asking for details about their coverage plans.
Insurify also claims that it can help people save an average of nearly $500 per year on car insurance. However, it is not exactly clear how this figure is calculated.
Aside from providing information about quotes from insurance companies, Insurify also has a large database of customer reviews from the respective providers. So Insurify can give you more than just surface-level monetary information about providers.
As far as insurance marketplace platforms go, Insurify is one of the most popular and most visited on the entire internet. The company has an outstanding 4.8 out of 5 rating on Shopper Approved out of nearly 3,000 ratings. So the majority of consumer responses have been extremely positive.
How Does Insurify Work?
Insurify works with partners from all across the nation including some top companies like Nationwide and Farmers to offer quotes based on personal information.
Here is how the process works. When you navigate to the home page, there is a box right in the middle of the page that allows you to search based on your zip code. Once you enter that, you will be asked to provide any relevant information about your vehicle, such as the make, model, and primary use of your car (.e.g work, school, pleasure, etc). They recently added an option specifically for rideshare drivers too.
Once you key in your car information, you can choose the level of coverage you are searching for, whether you want comprehensive and collision insurance. From there you have to enter your personal information such as your name, date, birthday, and gender (male/female). Then the service will generate some quotes that it thinks you would be well-suited for.
Overall, this process is extremely streamlined and simple to use. You don’t have to waste time calling insurance providers and trying to get details of different policies. You can also go back and adjust any information during the process using the sidebars, so you don’t have to restart the process if you accidentally key in the wrong information.
The marketplace features most basic coverage options, such as medical coverage, property damage liability coverage, collision, and comprehensive coverage. There is also an option for adding uninsured drivers to your policy. You can also add supplemental insurance packages, such as glass coverage, rental reimbursement, and roadside assistance. Insurify even has options for specialty coverage, such as usage-based insurance, low-mileage insurance, and SR-22 filing (required for “High-risk” drivers).
There is one kink in this chain though. In order to actually see your quotes, you have to make an Insurify account and provide your email address and phone number. This means that you likely will get a lot of unsolicited phone calls and emails from them. Fortunately, you can unsubscribe from these calling and email lists, but it would be nice if you didn’t have to deal with them in the first place.
Can I Buy My Quote Complete Online?
Yes and no. It depends on the particular provider. A good chunk of providers, including some of the more popular national insurance providers, will let you buy a quote directly through the Insurify marketplace. Others will require you to call their offices or send an email. Others might hold on to your quote
Other providers might only have their name listed on Insurify but no prices. These providers require you to click on the link and finish the insurance process on their own website.
Whether or not you can directly buy an insurance quote online, Insurify’s marketplace greatly streamlines the process. You can scroll down the screen to compare quote prices. Sometimes you may have to make a call to actually purchase a quote, but this will be the minority of the time.
Insurify also recently added a text-an-agent feature so you can directly text agents instead of calling them. Of course, you always have the option to call and speak with an agent if you so desire.
How Much Does Insurify Cost?
Here is the good part: Insurify does not cost a single cent to use. You do not have to subscribe to any payment plan and you don’t have to pay to use the search engine. Insurify gets paid solely through its insurance partners. Obviously, you will have to pay for your insurance premium to your provider, but you don’t have to pay to use Insurify.
Also, just to be clear, nothing that you pay goes through Insurify. They do not handle any of your money, so your payments will be 100% secure. You won’t have to worry about hackers getting access to your personal financial information.
What About Home and Life Insurance?
Insurify also has recently branched out and started offering quotes for home and life insurance policies. The process of shopping for home and life insurance is pretty much the same as shopping for car insurance. You specify the type of policies you want and input the relevant details. For homeowner’s insurance, you need to specify the type of home you have, how much ownership you have, and any other relevant details. The life insurance policy searcher will ask for details about your sex, whether you are a smoker, and other relevant health information.
Form there, you can scroll and compare life and home insurance quotes. As of the time of writing, Insurify has noticeable fewer partnered providers than they have for car insurance, but there is still fairly good coverage from some top insurance providers in the county.
What Are People Saying About Insurify?
If you look at most customer reviews of Insurify, they are extremely positive. The vast majority of reviewers state that Insurify has excellent customer service and they were able to search through a wide range of policies from different providers. In fact, most of the negative reviews we found were from users complaining that they could not find a quote in their price range, which is not really Insurify’s fault.
We also checked out Insurfy’s BBB page and here is what we found. Surprisingly, they are not BBB accredited but they do have an A+ rating. As of the time of writing, they have only 1 customer review, and it is from a person complaining that they could not find a quote that fit their price range, which again, is not really the fault of Insurify.
Insurify Pros & Cons
Pros
- Streamlined process. Shopping for insurance on Insurify’s platform is super simple. You just enter the relevant details and the platform will generate quotes for you. From there, you can buy insurance policies directly from the providers without having to call and set up a quote with the actual company.
- Large network of providers. Insurify partners with several big-name providers and offers selections from several less well-known providers. Insurify also covers policies for all 50 states, so no matter where you are, you can find a policy.
- Great customer service. Insurify ranks very highly for customer service. If you have any problems, you can call their offices to get assistance. The team is friendly, knowledgeable, and actually useful.
Cons
- Emails and phone calls. You have to provide your phone number and email address to see your quote results. So, you will likely receive phone calls and emails from providers. Fortunately, you can unsubscribe from call and email subscriber lists.
- Less home and life insurance coverage. Insurify has fewer partners for home and life insurance policies, but they are slowly expanding.
Conclusions
So, is Insurify worth it? We say yes, Insurify is absolutely worth it. The platform can save you a ton of time and a lot of headaches searching for insurance providers. The streamlined process is quick and you can buy policies from most agencies directly through the marketplace. So, if you hate shipping around for insurance and want a simpler method, then we would highly recommend Insurify for auto, home, and life insurance policies.
