What’s the deal with insurance companies naming themselves after animals? And even more specifically, creatures found on the plains of Africa? I’m looking at you Hippo and Elephant Insurance…
While that’s perhaps a difficult one to answer, it’s not the focus of this post. The purpose of this article is to learn about “The Zebra” to determine what they’re all about.
And more importantly, find out if they can save you money on car insurance, which seems to be their one and only goal.
The Austin, Texas-based company, which was founded all the way back in 2012, allows you to compare car insurance rates from over 200 carriers. They even count the Mark Cuban Companies as an investor.
Instead of calling and/or applying at each of these companies individually, or using an independent insurance agent, you can let their supercomputer do the heavy lifting for you.
How The Zebra Works
The way it all works is pretty simple. And it’s not unlike the process you’d go through with an individual carrier or broker.
They refer to themselves as the “nation’s leading insurance search engine” with a real-time comparison engine at your fingertips.
I took the plunge and signed up to see firsthand what it was all about.
First, you tell them about yourself and your vehicle so they know more about your driving history and your insurance needs.
This includes providing your name, address, phone number, and email address, along with vehicle make, model, and year.
They also ask what type of driving you do, if you work, how long you’ve been insured, and more.
You can go back and edit these details if you wish, and your answers will unlock certain discounts.
Unlock Discounts By Answering Questions
As you can see, I was able to get “currently insured” and “low mileage” to appear, along with several others.
So the car insurance discounts are populated based on your answers to give you more accurate pricing.
Next, they provide you with instant quotes from “dozens” of “top insurance companies” free of charge. Obviously, no one would charge for this, right?
They also list several car insurance companies that don’t provide a quote, which ostensibly require you to visit their individual website for pricing.
You’ll see four main categories of coverage, including minimum coverage, basic, better, and best.
Search by Desired Coverage Category
Essentially, the more coverage you want/need, the higher the category, and the higher the price. This all makes sense.
I was presented with 6-7 quotes in each category, along with some others that just said “get quote.”
It showed the monthly price of coverage, and once you hit “confirm now,” it shows a little more detail about the policy and pricing.
Assuming you want to move forward, you can select the quote that appeals to you and secure coverage almost immediately online or with one of their licensed insurance agents.
Learn More About Each Quote
They refer to it as “insurance in black and white.” Get it? Zebras? They’re black and white. Insurance is, or should be, black and white (aka not complicated) too…
Thoughts on The Zebra
The Zebra has been compared to Kayak, but for insurance as opposed to booking flights or hotels.
While it’s helpful to search auto insurance quotes in one convenient place, there were some drawbacks.
For one, I was only able to see quotes from 6-7 auto insurance companies, despite there being 200+ companies, apparently.
It would certainly be nice to see more providers listed. Additionally, including other companies without showing a quote kind of defeats the purpose, right?
You’re using The Zebra to get a bunch of quotes from a single online application – the last thing you want to do is go to another website and fill out another application.
Also, you can’t shop anonymously – they ask for both your email and phone number to get the quotes.
This resulted in a phone call, text, and email from another carrier. We’ll see if anything else follows.
On the other hand, they do provide you with at least a half dozen options (in my case), which is better than one, two, three, four, or five.
And I assume in some cases, you might see a lot more carriers depending on where you reside and your other personal details.
If one of those carriers happens to beat the pants off your current insurer, you basically win. And it only took a few minutes. So what’s not to like?
The Zebra is pretty painless, quick, and easy, and it might be worth a shot to see if you can do any better on your car insurance.
Read more: 10 Ways to Lower Your Car Insurance Premium
(photo: Marco Verch)