Insurance » Auto Insurance Reviews » Gabi Car Insurance Review
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This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

Gabi Car Insurance Review

Gabi's technology helps you compare your current policy with quotes from Gabi's insurance company network to help you find the lowest rates

We may receive compensation from companies that appear on this page. This may impact how and where products appear on a page (including, for example, the order in which they appear). It doesn’t affect our unbiased editors’ opinions. our opinions are our own.

In this Review

What is Gabi?

Gabi has been operating since 2016 with its headquarters in San Francisco. This is an online insurance broker that can help customers compare insurance rates from leading providers at no charge. The company has partnerships with over 40 insurers to help you get multiple quotes for rates and coverage. In addition to providing access to auto insurance, Gabi also offers quotes for home, renters, landlord, and umbrella insurance.

What makes Gabi unique is that the company technology uses the account details for your current policy or a PDF copy of your policy declaration page to access information on your existing coverage. It can then compare your current policy with quotes from Gabi's insurance company network to help you find the lowest rates. If there are no companies in the network offering a cheaper policy, Gabi will inform you.

According to Gabi, this entire process takes less than two minutes. The only exception to this is if the Gabi technology is unable to automatically verify your current coverage information. In this situation, it can take up to two working days.

However, even if you need to wait, it could be well worth it. Gabi claims that it is able to save two thirds of its customers on their insurance rates, with average savings of $825 a year.

Bear in mind that Gabi recommends the lowest rate policies, but the cheapest policy may not be the best option for you. You will still need to check the coverage and insurer meets your specific needs.  

gabi-seeklogo.com
gabi-seeklogo.com

On Gabi Secure Website

Better Business Bureau

A-

NAIC Complaint Index

Not Available

J.D. Power satisfaction

Not Available

PROS

CONS

How is Gabi Different From Other Insurance Comparison Sites?

Since there are many different insurance comparison sites, you may be wondering how Gabi is different. For a start, the website is very clean and clear. It isn't littered with ads that attempt to coerce you into a particular product or service. According to Gabi, most traditional insurance comparison sites immediately attempt to monetize your visit and are likely to treat you as simply a lead who they can sell to. Many of these sites collect your information and sell it to numerous insurance companies.

You may have found that your email address was clogged with spam, or you received lots of sales calls after your last visit to a comparison site. This is the reason why. The comparison site may have appeared to have altruistic reasons for helping you find a quote, but in fact, they sold your details to each of those companies who pestered you.

How to Get a Quote on Gabi?

Gabi aims to make the process of finding cheaper insurance as easy as possible. When you visit the website, you’ll see a “Get Started” button. You will then be prompted to select your current insurance company and provide your full name as it is listed on your driver’s license.

gabi application process 2

Gabi also requires your date of birth, your home address and whether you own your home. You will then see a prompt to select how you heard about the company. This is obviously for company market research purposes and there is the option to skip this step, if you prefer not to specify the details.

gabi application process 4 

gabi application process 5

Next, you will need to supply your email address. Gabi states that this will be used to send you possible savings. However, there is the reassurance that Gabi will never share or sell your email information.

Gabi then requires that you provide a mobile number. This is necessary to receive a four digit verification code to create your Gabi account. You will then need to enter the verification code to continue and confirm your policy details.

 

The Gabi system will then use the information you’ve provided to generate your quotes. You’ll receive an email with the details of the best prices, with instructions on how to proceed.

This provides fantastic flexibility. The entire process only takes a 10-15 minutes, then you can browse the quotes at your leisure and decide if you would like to go ahead with the best deal. You don’t need to spend hours on the phone or repeat your information.

Additionally, you can request quotes at any time. So, if you decide you want to start shopping for auto insurance at 3am on Sunday morning, you can!

Benefits and Drawbacks of Gabi

As with any company, Gabi has potential benefits and possible drawbacks. It is important to be aware of both the positives and negatives before you decide to use the service. This will help you to make an informed decision.

Comparing insurance quotes can be a tedious process, needing to provide various details about yourself, your vehicle, and your insurance needs. 

However, the Gabi technology allows you to receive multiple quotes based on your current insurance coverage. As we have detailed above, the entire process is quick, and you'll have your quotes almost immediately.

Unlike many comparison sites, Gabi is a licensed broker in all 50 States and Washington DC.

As with any insurance quote, your quote may change when you finalize your policy. This is usually due to the insurer confirming details and something that has changed in your information.

Gabi does provide multiple quotes, but it will always recommend the cheapest quote. However, the cheapest policy may not always be the best fit for you.

Unlike many other comparison sites, this company is not a lead generator. In fact, they are a professional insurance broker that is licensed in all 50 states. 

Gabi aims to build a relationship with you and wants to secure their place as your trusted insurance broker for all your future needs. Gabi will not sell or share your information and will not spam or cold call you.

Gabi operates a referral program, where you can receive a $25 Amazon gift card for family members or friends who sign up with your unique link and confirm a quote. 

Gabi does not check credit scores during its quoting process. 

However, some insurance partners may perform a soft credit search as part of the approval process. Fortunately, a soft check will not affect your credit score.

Is Gabi Insurance Legit?

Gabi is a licensed insurance broker and has an excellent reputation. The company has an A rating with the Better Business Bureau. Additionally, the company has high ratings on consumer websites, including consumeradvocate.org and Google.

There are numerous feedback comments from previous and current customers that praise the customer service. Of course, there are some negative comments. Many of these relate to changing quotes, but Gabi does respond to feedback and will often send a private message with a more detailed response to resolve any issues.

Gabi also provides numerous ways to access the customer support team. You can visit the website, call, email, or even write to the company using the postal address. This is different from many comparison sites that only provide a contact page on their website.

When Should You Consider Gabi?

Gabi is an excellent service that is a great option to quickly compare quotes at renewal time. The main advantage of using Gabi is that the technology uses your existing coverage to compare quotes. This does mean that if you don't currently have a policy, the process will be far slower.

If you don't currently have coverage, the Gabi site works like many other comparison sites. You'll need to manually enter your vehicle details and coverage requirements, along with your personal details. While this will take longer, you do still have the reassurance that Gabi will not sell or share your details.

So, if you're looking for a cheaper quote, it appears to almost always be a good time to consider using Gabi.

Advertiser Disclosure

This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

Gabi

Save hundreds of dollars

Quick and easy process

Compare +40 providers

On Gabi's Secure Website

Allstate

Excellent NAIC Rating

Claims satisfaction guarantee

Great customer support

On Allstate's Secure Website

Insurify

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Rates from top insurers

No hidden fees

Buy online or talk to an agent

On Insurify's Secure Website
Advertiser Disclosure

This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

Car Insurance Companies Review – Methodology

Our expert review team gathers data from many auto insurance providers in order to create rankings of the top insurers. Each company receives a score from each category, along with a overall weighted score of 5.0 stars.

Financial Stability: The highest score in this category goes to insurers with high financial ratings and customer-first practices. Although insurance marketplaces do not have financial strength ratings they can still be useful tools for drivers who are looking for premiums at competitive rates. If you are looking for an insurer that doesn’t underwrite your policies, be sure to check the rating of the partner company.

Coverage: The rating is based upon the types of insurance that are available, their maximum coverage limits and any add-on policies. We also consider exclusions that are applicable to certain drivers.

Cost and Discounts: We review auto insurance rates estimates for many drivers across every state. The best scores are awarded to companies that offer lower rates and have many discount options for car insurance. You can lower your insurance premium by qualifying for any driver discounts. Car insurance companies often offer discounts up to 25%-35% for eligible policyholders. 

The discount percentages offered vary depending on where you live and some companies restrict the amount of discounts that can be applied to your premium. We looked at the discounts offered in the various companies that we reviewed. Many allow you to combine different insurance policies to save on premiums. There are many savings options for drivers shopping for car insurance. These include discounts based on the type of car, profession, driving record, and other factors. Companies that offer a variety of options could lead to a lower premium for drivers were favored by us.

Customer Service: We review customer feedback and reviews from J.D. Power. Data such as market share, complaints to the National Association of Insurance Commissioners for private passenger car insurance (2020) and overall ratio of those complaints to the industry average. 

We took into account parameters such as companies mobile apps, advanced online services, and telematics make it easier for auto insurers to respond to consumer needs. Many providers offer support via phone, email and agents. Some even offer live chat and 24/7 support via phone, email, or mobile app, while some provide social media responsiveness during weekends and after-hours hours.