Shopping for low-cost auto insurance isn't something something that most of us look forward to. Collecting insurance quotes takes a lot of time, especially if you're doing it on the phone.
Even if you're doing it all online, it can still take hours to get a rate quote from multiple insurers. There are a lot of insurance search sites available. But most will only display insurance providers that the site has partnered with.
The search engine for Savvy Insurance, however, pulls in hundreds of providers. And Savvy claims that it's helped 40% of users save an average of ~$720 per year. Let’s take a look at the Savvy marketplace to see if it's worth considering.
- Broad online insurance search engine
- Compare quotes in as little as 30 seconds
- 100% free service
Savvy Insurance Details
Savvy Insurance Solutions, LLC
Online Insurance Shopping Marketplace
Who Is Savvy Insurance?
Savvy Insurance Solutions, LLC is an auto insurance marketplace that was formed in 2019. As we'll discuss later in more detail, there is very little information to be found about the company, its founders, or its team members.
It should be noted that the website URL for the company that we're reviewing today is Savvy.Insure. There's actually another "Savvy Insurance Solutions" that can be found at SavvyInsurance.Net. The two companies are not affiliated.
What Do They Offer?
Savvy Insurance provides a broad-based auto insurance search engine to help find the lowest insurance rates. This means it searches not only insurance providers but also displays other insurance search sites in its results.
Savvy Insurance doesn’t actually sell insurance. Once you find an insurance provider that you’re interested in, you can contact the provider to sign up with them.
The search process through Savvy is unique and may be the fastest available today. Here are the steps:
- 1Click the Start Saving button, which will open a popup window.
- 2Select your insurance provider.
- 3Sign in to your insurance provider to connect it to Savvy.
- 4Savvy displays your current monthly cost and begins comparing it to other providers.
- 5Results are displayed.
For step three, Savvy uses Trellis to sign in to your insurance provider.
Trellis is a 3rd-party platform that's similar to what Plaid is for the financial services community. It simply provides a secure method for signing into an off-site account.
By accessing your current policy in this way, Savvy is able to provide apples-to-apples quote comparisons without requiring you to fill out any forms. It says that you could literally start reviewing quotes in 30 seconds (provided that you're insured with one of the companies that can be accessed through Trellis).
Once you've logged into your current provider, you'll see your current rate displayed above the results. Some rates for other providers will also be displayed. For those that don’t display a rate, you’ll need to click through to see the rate.
You can customize your quote. Savvy will find vehicles on your policy. You can choose one if you want to change the deductible. If you do, the updated price will instantly display.
Related: 6 Ways To Save Money On Auto Insurance
Many people are using ridesharing services as a side hustle or even as their primary source of income. A Ridesharing Endorsement is like a rider that can be added to an auto insurance policy. It's additional coverage for ridesharing when you're using a rideshare app (the app is "on").
One drawback of Savvy is that it doesn't display if any of the providers have ridesharing policies. You basically see prices (when available). Then you'll need to drill down into each result for more details.
Related: 10 Ways To Make Money Driving
Is Savvy Insurance Legit?
If you look around the Savvy Insurance website, you’ll notice there is no contact info or mention of who’s behind the company. In fact, there isn’t even an about page.
Savvy does mention that they are there to help by text, phone, or email after you perform a search. Of course, that means logging into your insurance provider via proxy through Savvy. That's a big ask to just submit a question. So if you have questions ahead of time, you’re out of luck.
Are There Any Fees?
Savvy doesn’t charge fees for using its search service. Of course if you decide to purchase a policy through one of the insurance providers that it recommends, there will be associated insurance premiums.
Unlike with specific insurers, it's a bit more difficult to compare the average price quotes of insurance marketplaces. We recommend comparing the quotes that you receive from Savvy Insurance with a few top individual insurers or other insurance marketplaces like Insurify or Gabi.
Is It Safe To Use Savvy?
Is It Worth It?
As an insurance quote search engine, Savvy does an excellent job of displaying a large number of results. It can certainly save you time in comparing insurance quotes. Compared to many other insurance search engines, Savvy is able to surface more results. Plus, the service is free.
Still, some might question the company’s legitimacy based on its bare-bones website. If you want to ask questions first, that isn’t really an option with Savvy since they don’t display any contact information. If you'd prefer to use insurance websites that have longer tracker records and offer strong customer service, you might want to check out Metromile or Gabi instead.
Savvy Insurance Features
Online Insurance Shopping Marketplace
All 50 states
Customer data is collected and may be shared with third parties.
Customer Service Phone Number
Contact Email Address
Mobile App Availability
Savvy Insurance Review
Prices and Fees
Ease of Use
Savvy Insurance is a free online auto insurance marketplace that can pull in quotes from hundreds of providers in less than a minute.
- Completely free to use
- 30-second quotes with no form-filling
- Compares hundreds of providers
- Young, relatively anonymous company
- Must visit separate sites to buy policies
- No publicly-displayed contact info
Robert Farrington is America’s Millennial Money Expert® and America’s Student Loan Debt Expert™, and the founder of The College Investor, a personal finance site dedicated to helping millennials escape student loan debt to start investing and building wealth for the future. You can learn more about him on the About Page, or on his personal site RobertFarrington.com.
He regularly writes about investing, student loan debt, and general personal finance topics geared towards anyone wanting to earn more, get out of debt, and start building wealth for the future.
He has been quoted in major publications including the New York Times, Washington Post, Fox, ABC, NBC, and more. He is also a regular contributor to Forbes.