My Hands-On Review After Using Insurify to Save on Insurance

Finding affordable insurance feels nearly impossible nowadays. As soon as you compare rates from one company, 3 others bombard your phone until you‘re more confused than when you started.

So when I heard about Insurify promising to unravel the insurance labyrinth, I’ll admit I was skeptical. But with premiums going up yearly, I knew I had to give them a try.

Over the last 3 months I’ve used Insurify to compare rates across 6 providers and ultimately purchase a competitively priced policy that saved me 28%!

While the process wasn’t flawless, Insurify delivered on quickly serving up better insurance options so I could stop pulling my hair out sifting through them manually.

Here’s my first-hand review with all the nitty gritty details on how Insurify works, what to watch for, and whether it‘s worth your time.

What is Insurify?

Insurify markets itself as an insurance comparison platform that makes finding coverage hassle-free. They aim to help you identify the most affordable rates available by providing instant quotes across dozens of insurance carriers.

Rather than calling various companies individually or struggling through form after form on separate websites, you can simply enter your basic info once into Insurify’s online tool or mobile app to view numerous policy prices side-by-side.

The value proposition offered boils down to:

• Speed – Rate comparisons in minutes not hours
• Simplicity – Intuitive process requiring minimal information
• Savings – Uncover better prices leveraging market competition

The company was founded in 2013 by Snejina Zacharia, who actually conceived the initial idea after her own frustrating experience obtaining car insurance quotes.

Since launching, Insurify has partnered with over 100 top insurance providers. They also claim users save an average of $489 per year on auto insurance ($966 max).

From the outside, it seemingly offers an ideal solution to make an otherwise dull process fast and painless. But how well does it actually work?

I signed up and took Insurify for a test drive to find out.

How Getting Quotes Works on Insurify

My journey began by simply heading to Insurify.com and clicking to compare auto insurance rates.


I then entered basic personal details (name, birth date, address), vehicle information (year, make model) and driving history (accidents, etc).

The full list of questions asked was:

• Driver name
• Birth date
• Gender
• Garaging address
• Car make, model and year
• Primary use of vehicle
• Average miles driven annually
• Years experience holding valid license
• Credit score range
• Accidents or claims in past 5 years
• Current insurance company

I expected filling everything out to take 10-15 minutes. But within less than 120 seconds I was delivered over 25 quotes from major insurance brands:

Each policy displayed the starting monthly premium, available discounts, customer rating and a Get Quote button for purchasing directly through Insurify.

I could further filter results by price, rating and specific company. Hovering over policies also produced a more details pop-up.

Ultimately, the initial quoting process was lightning fast and delivered an interface making comparison intuitive. Well done Insurify engineers!

But generating quotes is only step one. I still had to determine what policy to actually purchase.

Choosing and Buying Car Insurance Through Insurify

With quotes gathered, I scanned for the lowest prices. Policy premiums ranged from $105 up to $315 monthly for the same coverage.

That sparked an immediate realization – insurance rates swing wildly between decent providers. I had assumed brand reputation perfectly dictated cost.

Armed with multiple affordable options, I could now make an informed selection based on other factors beyond just sticker price.

I ultimately chose the 4th lowest premium offered since that carrier had best-in-class financial strength, customer satisfaction and a hefty safe driver discount I qualified for.

With my choice made, finalizing the purchase was simple. I clicked the Get Quote button which opened an application through Insurify to confirm my details and electronically sign agreement docs.

After validating everything looked correct, I submitted payment details through their secure gateway.

And just like that I had new insurance activated in less than 15 minutes!

For comparison, my last auto insurance purchase took over 6 hours spanning 4 separate calls. Insurify made the process almost enjoyable through simplicity.

So they definitely delivered on the speed and convenience fronts. But what about cost savings?

How Much I Saved Using Insurify

Insurify boasts the average customer saves $489 annually on car insurance premiums.

I‘m happy to report my switch did in fact secure considerable savings:

• Old premium: $185 per month
• New premium: $133 per month
• Total Yearly Savings = $612!

By leveraging Insurify‘s instant quote comparisons rather than just automatically renewing my previous State Farm policy, I‘m now paying 28% less!

Beyond car insurance, Insurify also provides home and life insurance quoting. However, I didn‘t end up purchasing either.

While handy for initial rate estimates, home and life insurance involve much more customization around specific health risks, property details, coverage layers, etc. This necessitates deeper conversation with a licensed agent versus solely using online tools.

Now that we‘ve covered the quoting and purchasing process, let‘s look at some of Insurify‘s unique advantages.

Key Benefits of Using Insurify

While Insurify isn‘t perfect (see cons below), their platform introduces some compelling benefits:

Huge insurer network – 100+ top insurance providers all in one spot removes needing to visit individual sites. I compared national companies, regionals and even obscure brands I‘d never heard of all within Insurify.

Unbiased comparisons – Unlike an agent pushing certain carriers, you see prices from all partner insurers. This introduces competition ultimately benefiting you through best rates.

Adjust quotes anytime – Life circumstances changing? Rerun Insurify‘s tool whenever you need up-to-date rates. Beats calling agents or revisiting insurer websites.

Ratings shown – Each policy displayed customer satisfaction scores. This let me weigh rates against reputation to find the ideal fit.

Available discounts listed – Know what deals you qualify for upfront rather than needing to probe agent. Time saver!

But those advantages do come with some downsides…

Insurify Limitations to Note

While fast and fairly robust, Insurify isn‘t a magic bullet solving every insurance shopping pain point. Limitations I encountered included:

Rates occasionally inaccurate – Some surfaced quotes didn‘t match insurers actual prices. Always call to confirm first before purchasing.

Must talk to agent anyway – Even using Insurify I still needed to have a 20 minute call with an agent to finalize specifics after initial online application.

Customer support lacking – Wait times exceed 1 hour and email response takes 1-2 days. Needs improvement ASAP.

Additionally, while auto insurance quoting runs smoothly, home and life insurance comparisons remain basic. Insurify only provides ballpark figures for now. Securing binding quotes requires discussing specifics with a local agent.

Now that we’ve covered pros and cons, how does Insurify stack up to alternatives?

How Insurify Compares to Top Competitors

While a pioneer of modernizing insurance comparisons, Insurify competes in a crowded space today.

I tested their top two rivals to see how the services differ:

Key takeaways:

• Insurify holds the edge in transparent pricing and mobile experience
• QuoteWizard has largest insurer network
• EverQuote provides steadiest customer support

For most shoppers, I suggest gathering quotes from all three sites to find your absolute cheapest rates. Each have unique insurance partners missing from the others.

Next let’s examine arguably the biggest concern I had testing Insurify that gives some hesitation recommending them.

How Safe and Private is Insurify?

My first worry using any online insurance platform is how securely they handle my data. Especially medical and financial information integral to getting accurate life and health policy pricing.

Insurify does implement standard protocols like 2048 bit encryption and multi-factor employee authentication when accessing sensitive systems.

However, their privacy policy remains less committal than I‘d prefer regarding sharing data with external parties. Though common verbiage in the insurance space, mentions of "affiliates" and "business partners" make me squeamish.

While purely speculative without evidence of misuse, it introduces possible exposure risks relative to competitors more adamant about limiting data dissemination.

Furthermore, Insurify’s reliance on algorithms to deliver quotes instead of human reps requires sufficient safeguards against bias and discrimination in pricing models. Their blog suggests utilization of ethical AI practices but doesn’t elaborate on details.

Again – Insurify displays no outright alarming practices or policies here. But tighter privacy controls and transparency on AI fairness would instill greater confidence.

Now that we‘ve covered the key pros, cons, and competitve standing of Insurify, who is poised to benefit most from using it?

Who Should Use Insurify

Given its strengths and weaknesses, Insurify delivers the most value for:

Drivers seeking new or replacement auto insurance – The tool makes comparing 10+ car insurance rates a nearly instant undertaking. Huge time savings here.

Folks unsatisfied with current coverage pricing – Maybe you umbrage yearly premium hikes by your existing insurer. Insurify allows quickly gauging if better discounts exist elsewhere.

Those valuing digital-first insurance management – Applying, paying and managing your policy all through sleek online and mobile experiences.

Anyone overwhelmed sorting insurance complexity – Conveniently packages choices across many leading insurers so you needn’t figure differences yourself.

Conversely, Insurify has less utility for:

• Homeowners with intricate coverage needs
• Seniors requiring specialized life insurance policies
• Extensive asset holders (rentals, boats, etc) necessitating an integrated bundle

For those folks, working with a local independent insurance agent remains preferable to navigate custom offerings.

Final Thoughts – Is Insurify Worth Trying?

At day‘s end, convenience carries a cost. By easing the insurance shopping hassle through technology consolidation, Insurify inevitably loses some personalization more localized advisor relationships nurture.

But for most simply seeking quality, affordable auto insurance without the headache, Insurify undoubtedly delivers. At least securing quotes through their platform provides a baseline to then judge if you might uncover better savings or service through traditional agents.

Considering Insurify‘s free to use and only takes minutes, I suggest every driver give it a shot. Worst case you stick with your current policy.

But chances are high Insurify will present at least some cheaper alternatives to save you money. I guess you could say there’s no risk in trying!