Insurify insurance comparison review 2023

Insurify car insurance

Insurify is an online insurance marketplace where you can fill out basic information and receive quotes from several insurance companies that offer the coverage you are seeking. Insurify is not an insurance company, but is instead a comparison site that lets you review quotes from several insurance companies in one place. If you’re looking for a new car insurance company, Insurify could provide an easy way to review multiple quotes at once. However, it is worth noting that Insurify does not underwrite any of the policies it sells because it relies on a partner network. Bankrate conducted an Insurify insurance review to help you understand how the site works, if it’s a good tool for your needs and how to start the quote comparison process.

When you use Insurify, you may be able to eliminate the need to compare car insurance companies and get individual quotes, so it has the potential to save you a lot of time. Plus, it is completely free to use and there are no hidden fees if you purchase a policy through Insurify. Insurify is available to drivers in all 50 states and Washington, D.C., but the companies it partners with may have different availability.

Pros and cons of Insurify car insurance

One of the biggest draws of Insurify is that it could help you save money on your car insurance. Insurify’s AI uses the information on your application to find insurance companies that offer the most discounts you may qualify for. Insurify car insurance comparisons might not be for you though; every company has perks and drawbacks. Here are some pros and cons we identified in our Insurify insurance review:

Insurify car insurance cost

The price of the car insurance you purchase from Insurify will depend on the company you choose to buy from. Remember that Insurify isn’t a car insurance company; it’s a comparison platform that lets you buy from other companies. Average car insurance rates vary based on a number of factors, and shopping around can help you find cheaper car insurance. Insurify lets you shop and compare quotes in one place, which may save you time.

Insurify car insurance discounts

Each car insurance company offers different discounts, so the discounts that apply to your quote will depend on the company you choose. Some common car insurance discounts include bundling your auto and home insurance, being or insuring a good student, paying in full or insuring more than one vehicle.

Insurify car tools and benefits

Insurify offers a car insurance calculator to help you determine how much car insurance you need. Although the calculator might be a useful starting point, if you’re unsure of how much coverage to buy, it could be a good idea to talk with a licensed agent before shopping and comparing quotes.

Insurify home insurance

Insurify home insurance works like the car insurance does: you input your information and Insurify lets you compare quotes from several home insurance companies. The companies, coverage types and endorsements available to you will depend on your rating factors and geographic location. Insurify partners with over 100 insurers, but not all of them are available in every state.

Pros and cons of Insurify homeowners insurance

Insurify’s comparison platform might help you find both the best and cheapest home insurance for your needs, but there are upsides and downsides.

Insurify home insurance cost

The cost of home insurance varies based on a number of metrics, including the specific features of your home, your state, the coverage amounts you need and the company you choose. Because Insurify lets you compare multiple companies at once, your rates will vary based on each carrier.

Insurify home insurance discounts

Each insurer that Insurify partners with will offer its own unique suite of discounts. Some common home insurance discounts are multi-policy, alarm system and updated roof savings.

Insurify home tools and benefits

In addition to the benefit of being able to compare several quotes at once, Insurify offers a helpful Insights blog with articles about both home and car ownership.

Insurify life insurance

If you’re searching for the best life insurance company, Insurify might be a useful tool. Just like with auto and home insurance, Insurify lets you compare multiple life insurance quotes and companies based on the information you input. Unfortunately, though, only term life insurance quotes are available. If you’re looking for permanent life insurance, you won’t be able to get quotes from Insurify, although you may be able to get quotes directly from its various partner companies.

Pros and cons of Insurify life insurance

Insurify allows you to compare quotes from several life insurance companies, but that doesn’t mean it’s the best way for everyone to shop. Here are some pros and cons to keep in mind:

Insurify life insurance endorsements

The life insurance endorsements — also called riders — that you might be able to add to your policy will depend on the company you choose. Because Insurify isn’t an insurance company, it doesn’t offer any endorsements directly, but the companies it works with might. Remember that endorsements will likely increase the cost of your life insurance. This means that add-on coverage might not be the right choice if you are looking for the cheapest life insurance possible, but the extra coverage might be worth it for many.

Insurify life tools and benefits

If you aren’t sure how much life insurance to buy, Insurify offers a life insurance calculator to help you decide. Keep in mind that this might only be a starting point for your shopping; you may still need to talk to an agent to determine your appropriate coverage level. Additionally, Insurify uniquely offers two ways to get a term life insurance quote: you can select a quick quote based on just a few health metrics, or a more in-depth quote based on deeper medical questions.

Insurify customer satisfaction

When you’re shopping for insurance, understanding a company’s customer satisfaction metrics can be an important part of deciding which insurer to choose. After all, you want to choose a company that is pleasant to work with so you have peace of mind knowing that if you file a claim, the company will support you through the process.

Insurify isn’t an insurance company, though, so customer satisfaction will largely depend on the company you choose for your auto, home or life insurance. To review the service scores of individual companies, you can use third-party agencies. Consider reviewing scores from J.D. Power and the National Association of Insurance Commissioner (NAIC) for customer satisfaction as well as ratings from companies like AM Best and Standard & Poor’s (S&P) for financial strength.

How to file a claim with Insurify

Insurify doesn’t actually underwrite insurance. Instead, it offers a convenient platform to get multiple quotes at once. To file a claim, you’ll need to contact the insurance company you purchase a policy from.

Insurify availability

Insurance shoppers in all 50 states and Washington, D.C. can use Insurify to get quotes. However, not all companies operate in every state, so the companies you are able to get rates from and the companies you’re able to buy coverage from will vary based on your geographic location.

Other Insurify perks worth considering

While Insurify is mostly an online platform, you always have the option to call for additional help. Working with a representative over the phone is certainly an additional perk, and some shoppers might be more comfortable getting insurance quotes this way. Auto and home insurance shoppers can call 1-866-692-2566 and life insurance shoppers can call 1-844-755-5327 for additional support.

Insurify corporate sustainability

Insurify itself doesn’t list any corporate giveback programs, but it does host the Greenest City Awards, which help to highlight areas of the country that focus on sustainability.

Not sure if Insurify is right for you?

Shopping on a comparison platform can be helpful, but it might not be right for everyone. If you aren’t sure if using a tool like Insurify is right for you, you might want to get quotes from these insurance companies:

Insurify vs. State Farm

If you prefer to get quotes with a local agent, State Farm could be a good choice. The company is the largest personal insurance company by market share in the United States and operates a network of agents throughout the country.

Learn more: State Farm Insurance review

Insurify vs. Auto-Owners

Auto-Owners might be a good choice if you like the perk of a local agent, but still want to compare quotes. Auto-Owners is sold exclusively through independent agents, who often contract with multiple companies. This could allow you to compare Auto-Owners to other companies and still have a local point of contact.

Learn more: Auto-Owners Insurance review

Insurify vs. Progressive

Progressive might be appealing if you want to get quotes online. The company offers both an online quote and a sign online car insurance discount. Additionally, the HomeQuote Explorer tool lets you compare rates from several home insurance companies all from Progressive’s site, similar to Insurify.

Learn more: Progressive Insurance review

Is Insurify a good insurance company?

Bankrate’s insurance editorial team includes three licensed agents with nearly 50 years of combined experience. We know from experience what matters when you’re shopping for insurance, and our goal is to provide you with the information you need to make confident insurance decisions.

Insurify is not an insurance company, so keep that in mind as you use its digital tools. Insurify simply lets you compare different auto, home and life insurers all in one place. It may help you save time when you are shopping, but you should remember that the quotes could change as you finalize things with the insurer you choose.