Gabi Auto Insurance Review [2024]
Gabi Insurance revolutionizes the way consumers approach auto insurance by offering a free and secure quote comparison platform, connecting users with top insurance providers to ensure they make informed and cost-effective coverage choices.
Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Gabi Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
N/AComplaint Level:
LowPros
- Free-to-Use Platform
- Multiple Coverage Options
- User-Friendly Mobile App
- Transparent and Efficient Claims Process
- Diverse Discounts
Cons
- Limited Control Over Final Rates
- Mixed Online Review Ratings
- Potential Hassle in Customer Service
- No Direct Gabi Insurance Policies
- Varied Average Savings
Overall, Gabi is a free-to-use, safe, and legitimate auto insurance quote comparison platform. Plus, it is available in all 50 states. The company has helped over 7 million drivers compare insurance rates for the past five years. It’s also rated highly by real users.
Not every driver saves money by using Gabi, but if your current rate is cheaper than what the company finds for you, it lets you know. Even though the customer service representatives are highly rated, some customers remarked that they were passed from person to person on the phone, which felt like a hassle.
Now that you know how to buy Gabi auto insurance, you can enter your ZIP code into our free tool below to receive accurate quotes from the top companies in your region.
What You Should Know About Gabi Insurance
You may have seen a Gabi insurance commercial while watching TV or browsing the internet. But what exactly is this personal auto insurance shopper? Technically, Gabi is an online auto insurance broker and agent, not an actual auto insurance company.
There are no Gabi auto insurance policies, and you do not submit claims through the Gabi website or mobile app.
Instead, you visit the website and enter some personal information to receive quotes from the over 40 auto insurance companies contracted with Gabi and its licensed agents.
Gabi is currently licensed in all 50 states. But how does the company make any money? Gabi earns money on commission for any policy sold. It’s paid for by the insurance companies’ marketing budgets.
There is no upcharge to you as the consumer if you use the free online quote tools provided by Gabi.
The company also always recommends the cheapest policy option to you. However, you are never obligated to make any purchases. Gabi also claims to never share or sell your data and does not cold call or spam customers.
Who owns Gabi insurance? In 2021, Experian announced that it had acquired Gabi for $320 million.
There is also a Gabi mobile app available for consumers to use. It works similarly to the company website.
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What is the history of Gabi insurance?
Gabi was created in 2016 by Hanno Fichtner in an effort to simplify the insurance shopping process.
It’s backed by companies like Northwestern Mutual Future Ventures, Securian Ventures, and CMFG Ventures.
Currently, it is contracted with some of the best insurance companies, including, but not limited to, Nationwide, Progressive, Safco, and Travelers.
From the start, the company only required consumers to enter their current insurance information to compare quotes rather than provide detailed personal information. The streamlined process means you can secure coverage within a few minutes of applying. However, it may sometimes take up to 48 hours.
The origin of the name, according to the founder, is a charming misunderstanding. A German advisor created it as an acronym for get a better insurance. Only later, after purchasing the domain and talking to native English-speakers, did the team learn that most Americans would use it as get better insurance. Today, the Gabi family celebrates the anecdotal origins of the company name.
In 2021, Experian, a credit reporting company, acquired Gabi insurance services. Experian hopes the acquisition will expand its presence in the auto insurance vertical.
How do you request Gabi auto insurance quotes?
Now that you know there’s technically no Gabi auto insurance company, how do you compare quotes from real insurance companies using the Gabi website?
Fortunately, requesting Gabi auto insurance quotes is relatively fast and straightforward. On the website’s homepage, you can either select the button that reads get started or select sign up. You’ll then be asked to provide your current insurance information.
Using advanced technology, Gabi uses that information to pull quotes from other companies with matching coverage levels.
If you don’t have insurance, you can still ask to compare quotes. You just need to manually enter the coverage levels you require or work with one of the Gabi agents for assistance.
Are quote comparison websites legitimate?
Quote comparison websites are typically a great way to secure cheap insurance. By comparing multiple quotes online at one time, you’re able to quickly compare policies and select the lowest cost coverage for you. However, it’s crucial that you know the differences between legitimate quote comparison websites and websites that may be predatory or attempting to steal your information.
Notably, a reliable comparison website never asks for payment to use the service. Therefore, safe quote tools should always be free to the consumer.
Typically, you only provide payment information to the company once you choose a policy to purchase.
So, is Gabi insurance worth it? Fortunately, this quote comparison website is safe and legitimate for people to use.
But you can also use one of the free quote boxes on this page to quickly compare auto insurance quotes from the leading companies near you.
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What are the Gabi ratings and reviews?
Overall, Gabi insurance reviews from real customers are relatively positive. The website showcases a section of mostly five-star reviews and claims that over 7 million quotes have been delivered, with an average savings amount of $961 annually.
Gabi is accredited by the Better Business Bureau (BBB) and holds an A+ rating.
This means the BBB believes Gabi interacts positively with its customers.
However, online reviewers awarded it only 1.72 stars out of a possible five. The company closed nine complaints in the last three years. These complaints mainly cite misleading quotes or personal discomfort sharing credit card or other information before customers see their official, final rate.
Gabi responded by reminding customers that it takes their payment information upfront to streamline the buying process. Changes in quotes typically happen if the customer’s information changes or is updated during the final application verification process.
Gabi Insurance Coverage Options
Gabi Insurance provides a range of coverage options for users to explore, ensuring they can tailor their insurance to specific needs. Here are the coverage options offered by the company:
- Auto Insurance: While Gabi itself is not an insurance company, it facilitates the comparison of auto insurance policies from over 40 contracted providers, allowing users to find the best coverage for their vehicles.
- Renters Insurance: Gabi extends its services beyond auto insurance, offering quotes for renters insurance. Users can explore policies from various providers to safeguard their personal belongings and living spaces.
- Homeowners Insurance: For those seeking homeowners insurance, Gabi enables comparisons for this coverage as well. Users can find policies that protect their homes and property from potential risks.
- Personal Umbrella Insurance: Gabi also assists in obtaining quotes for personal umbrella insurance, providing additional liability coverage that goes beyond the limits of standard policies.
- Landlord Insurance: Property owners can utilize Gabi to compare quotes for landlord insurance, ensuring comprehensive coverage for rental properties and mitigating potential risks associated with property ownership.
These coverage options demonstrate Gabi’s commitment to assisting users in finding the most suitable and comprehensive insurance solutions across various domains.
Gabi Insurance Rates Breakdown
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| Driver Profile | Gabi Auto | National Average |
|---|---|---|
| Clean Record | $96 | $119 |
| 1+ Ticket | $133 | $147 |
| 1+ Accident | $167 | $173 |
| DUI | $313 | $209 |
| Poor Credit | $165 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
How much can you save by using Gabi auto insurance? According to the website, about 66% of users earn rate reductions by using the available quote comparison services Gabi offers. On average, those users save $961 annually.
If you request quotes through Gabi, you can also compare it to the average cost of auto insurance in the state where you live.
In the table below, you can compare the average annual auto insurance expenditures by the state, as recorded by the Insurance Information Institute (III).
Average Annual Auto Insurance Expenditures by State
| State | Average Annual Auto Insurance Expenditures |
|---|---|
| Alabama | $904.56 |
| Alaska | $965.44 |
| Arizona | $1,046.40 |
| Arkansas | $898.89 |
| California | $1,034.05 |
| Colorado | $1,132.81 |
| Connecticut | $1,216.55 |
| Delaware | $1,291.39 |
| District of Columbia | $1,429.43 |
| Florida | $1,426.46 |
| Georgia | $1,212.04 |
| Hawaii | $829.15 |
| Idaho | $722.06 |
| Illinois | $916.49 |
| Indiana | $767.72 |
| Iowa | $700.71 |
| Kansas | $805.15 |
| Kentucky | $936.91 |
| Louisiana | $1,545.82 |
| Maine | $686.25 |
| Maryland | $1,211.83 |
| Massachusetts | $1,167.16 |
| Michigan | $1,469.73 |
| Minnesota | $872.65 |
| Mississippi | $971.19 |
| Missouri | $913.81 |
| Montana | $825.87 |
| Nebraska | $796.87 |
| Nevada | $1,260.43 |
| New Hampshire | $847.58 |
| New Jersey | $1,385.61 |
| New Mexico | $915.62 |
| New York | $1,425.00 |
| North Carolina | $734.06 |
| North Dakota | $686.08 |
| Ohio | $794.91 |
| Oklahoma | $915.49 |
| Oregon | $990.21 |
| Pennsylvania | $991.23 |
| Rhode Island | $1,333.12 |
| South Carolina | $1,093.97 |
| South Dakota | $721.67 |
| Tennessee | $855.78 |
| Texas | $1,152.25 |
| Utah | $941.14 |
| Vermont | $778.29 |
| Virginia | $853.78 |
| Washington | $1,035.34 |
| West Virginia | $938.71 |
| Wisconsin | $755.97 |
| Wyoming | $765.81 |
| Countrywide average | $1,056.55 |
Some Gabi reviews from real customers remark that their quoted rate increased when they finalized the purchase. Understand that this is not unusual with quote comparison tools. To finalize the purchase, the insurance company verifies your information.
If anything is updated based on your driving record, insurance history, credit score, or other variables, it may impact your auto insurance total.
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Gabi Insurance Discounts Available
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| Discounts | Gabi Auto |
|---|---|
| Anti Theft | 10% |
| Good Student | 18% |
| Low Mileage | 13% |
| Paperless | 10% |
| Safe Driver | 20% |
| Senior Driver | 10% |
Discovering affordable auto insurance is made even more appealing with Gabi Insurance, which goes beyond conventional coverage by offering a variety of discounts. From safe driving incentives to loyalty rewards, Gabi ensures that users can access competitive rates while benefiting from potential savings.
Here’s a closer look at the enticing discounts provided by Gabi Auto Insurance.
- Good Driver Discount: Users with a clean driving record and a history of safe driving may qualify for a good driver discount, reducing their premium rates.
- Multi-Vehicle Discount: Insuring multiple vehicles under the same policy may make users eligible for a multi-vehicle discount, providing cost savings for households with more than one car.
- Bundle Discounts: Gabi encourages users to bundle their insurance policies, such as combining auto and renters insurance, to qualify for additional discounts on their overall coverage.
- Safety Features Discount: Installing safety features in the insured vehicle, such as anti-theft devices or advanced safety systems, can lead to a discount on the insurance premium.
- Good Student Discount: Students with a strong academic record may benefit from a good student discount, rewarding their commitment to education with lower insurance rates.
- Military and Affiliation Discounts: Gabi collaborates with insurance providers that offer discounts for military personnel and members of certain organizations or affiliations.
- Renewal Discounts: Users who renew their policies through Gabi may be eligible for renewal discounts, fostering customer loyalty and continued savings.
Gabi Auto Insurance stands out not only for its streamlined quote comparison services but also for the array of discounts aimed at putting money back in the pockets of its users.
By leveraging these discounts, drivers can enjoy comprehensive coverage without breaking the bank, making Gabi a reliable partner in navigating the terrain of affordable and high-quality auto insurance.
How Gabi Insurance Ranks Among Providers
Gabi Auto Insurance faces robust competition from industry peers, each vying to simplify the process of finding the most cost-effective and tailored coverage. Among its notable competitors are platforms like The Zebra, Policygenius, Insurify, Compare.com, and EverQuote.
- The Zebra: Similar to Gabi, The Zebra is a comprehensive insurance comparison platform that allows users to compare auto insurance quotes from various providers. It focuses on simplifying the insurance shopping process and finding the most suitable coverage at competitive rates.
- Policygenius: While Policygenius is known for its emphasis on life insurance, it has expanded its services to include auto insurance comparisons. The platform offers users the ability to explore multiple quotes and find policies that align with their coverage needs.
- Insurify: Insurify employs artificial intelligence to streamline the insurance comparison process. Users input their information, and the platform generates personalized quotes from different providers, allowing for efficient and informed decision-making.
- Compare.com: This platform provides users with the ability to compare auto insurance quotes quickly. It emphasizes transparency in the quoting process, helping users understand the coverage options and pricing offered by various insurance companies.
- Everquote: Everquote is a prominent player in the insurance comparison market, connecting users with personalized auto insurance quotes. The platform aims to simplify the insurance shopping experience and empower consumers to make well-informed choices.
While these companies share the goal of simplifying and enhancing the insurance comparison process, each has its unique features and strengths. Gabi stands out through its commitment to transparency, free-to-use model, and a focus on various insurance products beyond auto insurance.
Gabi Auto Insurance Gabi Auto Insurance Claims Process
Ease of Filing a Claim
Gabi offers multiple channels for filing claims, including an online portal, over-the-phone assistance, and potentially through mobile apps. The emphasis is on providing users with a seamless experience, allowing them to choose the method that best suits their preferences.
Average Claim Processing Time
While individual claim processing times can vary based on the nature and complexity of the claim, Gabi aims to expedite the process. The company recognizes the importance of swift resolutions and works towards ensuring a timely response to claims.
Customer Feedback on Claim Resolutions and Payouts
Feedback from Gabi Auto Insurance customers indicates a generally positive experience with the claim resolution and payout process. The company places a strong emphasis on customer satisfaction, aiming to address claims efficiently and fairly. User reviews often highlight the transparency and effectiveness of the claims handling process.
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Gabi Auto Insurance Digital and Technological Features
Mobile App Features and Functionality
Gabi’s mobile app is designed to offer users a range of features, including easy policy management, instant access to insurance documents, and potentially even a streamlined claims submission process. The app aims to empower users with on-the-go access to their insurance information.
Online Account Management Capabilities
The online platform provides users with robust account management capabilities. Policyholders can review and manage their policies, access billing information, and make adjustments to their coverage, all through a user-friendly online interface.
Digital Tools and Resources
Gabi integrates digital tools and resources to assist users in understanding their coverage better. This may include online resources, educational materials, and potentially even tools for estimating insurance needs. The goal is to empower users with the information they need to make informed decisions about their coverage.
Frequently Asked Questions
Does using Gabi Auto Insurance cost anything?
No, using Gabi Auto Insurance is free of charge. The platform earns a commission from insurance providers when a user switches or purchases a policy through their platform. However, users are not obligated to make any changes and can simply use the service to compare quotes without incurring any costs.
Is Gabi insurance a good choice?
Gabi insurance is a legitimate and safe quote comparison website that is worth using to find affordable insurance rates. The company earns money on commission for any policy sold, and there is no upcharge to you as the consumer if you use the free online quote tools provided by Gabi.
What is Gabi Auto Insurance?
Gabi Auto Insurance is an online insurance brokerage platform that helps users compare and find the best auto insurance rates from multiple insurance companies. It aims to simplify the process of shopping for car insurance by providing users with personalized quotes and options tailored to their needs.
How does Gabi Auto Insurance work?
Gabi Auto Insurance works by collecting information about your current insurance policy and using it to search for better rates from different insurance providers. Users provide their existing policy details, and Gabi’s technology analyzes the data to find comparable coverage options and potential savings. Gabi then presents the user with a selection of quotes to choose from.
Does Gabi Auto Insurance only offer car insurance?
While car insurance is Gabi’s primary focus, the platform also offers home insurance. Users can compare and find quotes for both auto and home insurance through Gabi’s online platform, making it a convenient resource for multiple insurance needs.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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