Shopping for car insurance ranks right up there with going to the dentist. You know you need to do it, but it's not something you look forward to. This may explain why so many drivers stick with the same auto insurance company their parents used and had when they first got their license.
I'll admit it: I did it. My family had State Farm and when I needed my first policy on my own as an adult, I called State Farm. I didn't even bother to review other insurance companies. What a mistake. It was only when I moved to a state that State Farm couldn't insure me in that I had to get quotes from new companies. And that's when I learned that not all auto insurance is the same. You can find cheaper insurance, better customer support, and an array of discounts others may not offer.
Since 2012, The Zebra has worked with more than 200 insurance companies as an all-in-one insurance comparison site. It began with auto insurance and now offers homeowners, as well. It is still growing and has plans to add renters, RV, boat, and other insurance in the future. It has an A+ rating on Better Business Bureau (BBB).
But the Austin, Texas-based company began in cars, and this is where The Zebra exceeds. And it claims you will not receive junk mail or spam calls when you look into insurance carriers. Read that again as I don't know about you, but my biggest pet peeve is when I want to use a free search tool, and I get to the end and then am told I'll be called for the actual details I was looking for. It also claims it saves users an average of $440 per year. I was about to find out if this were true.
The Zebra is super easy to use and all online. To compare quotes and policies, you'll visit thezebra.com and begin by selecting whether you are currently insured or not.
Then you will enter details about your vehicle.
You'll have to add your details like your birthday and address, as these are needed to determine insurance prices. It also asked about my credit score.
I was hesitant about adding my email, not wanting the tons of emails that will follow, but it clearly states, "we won't spam you."
I immediately refreshed my inbox to see what 'welcome" email would be waiting for me after entering it, and there wasn't one!
Next, I could choose the package I wanted for a quote, from Basic coverage to Best coverage. I chose Better.
And that was it. The Zebra began to process my information and produced four insurance companies and their quotes. The first of which, however, was Progressive, and I already told The Zebra I was insured through Progressive, so the algorithm isn't quite perfected. I have had an at-fault accident three years ago, which explains the providers I'm not very familiar with.
However, the quotes provided are each well under my current monthly plan. If I continue and move forward with one of these companies, I could end up saving more than $100 per month - which is a $1,200 annual savings!
To learn about the quote, I can either continue online, where my quote is brought over to the insurance company's officiall website, or call and speak to an agent.
It was that easy. I can see why it is the No. insurance comparison site in the U.S.
How much does The Zebra cost?
There's no fee to use The Zebra. It is 100% free. The company partners with insurance providers, such as Nationwide, Allstate, and Liberty Mutual, and others to bring you the best quotes in your area. They only get a commission if you buy insurance, not for sending you to specific insurance companies.
And the best part? Your personal data is not shared with others, and you won't receive emails or phone calls from third-party insurance providers.
The Zebra features
Customized insurance comparisons. The main feature is detailed above. You can quickly compare auto insurance quotes from various providers to find the cheapest car insurance policy to fit your insurance needs. You can specify the coverage amounts you'd like in a plan, so you only browse results that match your specific criteria.
Fast search process. The Zebra asks for personal data to pull real auto insurance quotes but makes the process quick and easy by minimizing the number of questions asked and providing a range of answers to select. It took me about 5 minutes to get my quotes.
Bundling options. The Zebra currently offers homeowners insurance comparisons, too. If you are a homeowner, you can request the platform bundle your auto and home insurance to see a discounted rate for both.
Insurance agents. The Zebra offers agents who can assist you in your decision-making and are just a phone call away if you have any questions. You can speak to an agent to discuss different options, optional coverage, and discounts available. Looking for a vanishing deductible? How about roadside assistance? The agents can go deeper into your auto insurance comparison with you.
Pros & Cons
Instant comparisons. Instead of spending hours online entering the same information over and over again while insurance shopping to obtain personalized quotes, The Zebra reviews the data from car insurance companies for you to give you multiple insurance quotes in minutes.
No spam. The claim you will not receive emails following your inquiry, and I didn't receive a single one. The Zebra didn't even take my phone number, so I couldn't get any spam calls.
Straightforward process. The Zebra's website is very basic and straightforward, which is great if you're looking to cut through the marketing jargon and get straight to finding the best insurance quotes.
Must talk to agent for a deeper dive. I'd love the ability to alter my quote details by more specific requirements without having to speak to an agent. It would be great to request a deductible minimum and opt-in or out of additional coverage on The Zebra's site.
The Zebra vs. Competitors
Gabi is another insurance comparison site that works to provide multiple quotes using your data. However, Gabi allows far more customization than The Zebra. Gabi can also show you discounts you may qualify for based on the insurance agency.
Carinsurance.net also allows you to set custom criteria when reviewing multiple auto insurance rates for you. It does not, however, provide discount data and does require you to create an account. It's more likely you'll receive unwanted offers after using CarInsurance.net than The Zebra.
Does The Zebra offer quotes without creating an account?
Unusually, yes. You don't provide a phone number either. Just give it an email where it can send you your quote. But you don't even need to opt-in to have the quote emailed to you. You can see it right on your screen.
Which providers will The Zebra provide quotes for?
As an insurance comparison website, The Zebra works with 200 insurance companies to provide quotes. This includes big names like Farmers and Geico.
How long will it take to compare car insurance quotes?
The Zebra claims you can get your quotes in 5 minutes, which was true for the quotes I received.
The bottom line
It may not be top of mind to take a look at your auto insurance unless you are purchasing a new car, but either way, using an auto insurance quote comparison service can save you time and money. While competitors may provide more detailed options, The Zebra promises not to spam you and honestly gives you a quick and easy ballpark figure. The Zebra can't give you an auto insurance policy, but it can point you in the direction of the companies that can. By showing you quotes, you can determine if you'd like to contact the insurance company to switch companies and save money you didn't realize you could be saving.
Reclaim Up to $610/Year in Car Insurance
Here’s the thing: your current car insurance company is probably overcharging you. But, who has the time to look around for around a new company?
A website called CarInsurance.net makes it super easy to see if you’re getting the lowest price. All you have to do is enter your ZIP code and your age, and it’ll show you your options.