You may have heard of EverQuote car insurance as a way to get online insurance quotes from a selection of auto insurance companies.
However, EverQuote auto insurance has expanded past just providing quotes from car insurance providers and now helps consumers compare insurance quotes for multiple insurance needs.
Thinking of using EverQuote? This EverQuote review will tell you if EverQuote’s insurance quotes are a good option when it comes to searching for insurance coverage online.
EverQuote Review: EverQuote Overview
As opposed to having to reach out to multiple insurance agents yourself or searching through various providers, EverQuote provides a marketplace where consumers are quickly matched with insurance carriers that specifically meet their needs.
While auto insurance is the core of the company, EverQuote.com also helps customers find providers for other types of coverage as well.
There are plenty of companies out there that offer similar services. However, EverQuote car insurance and its other services work with more companies than most online marketplaces.
EverQuote Review: What Is EverQuote Insurance?
The company was founded in 2008 and is a marketplace that helps match people with various types of insurance quotes.
EverQuote’s goal is to provide quotes that fit the budget and needs of each consumer and help them to save money on their car insurance and other types of coverage.
While quotes are not typically provided instantly online, customers are matched with insurance companies that can meet their specific needs.
The company claims it saves its customers approximately $500 annually on auto insurance alone.
EverQuote Review: How Does EverQuote Work?
EverQuote partners with insurance companies like Progressive, Allstate, Nationwide, and Liberty Mutual to provide customers with insurance quotes. In a way, the company acts as an online insurance agency that cuts out a lot of the leg work involved in the process of contacting individual insurance agents yourself.
Instead, you provide your personal information via an online form and are quickly connected with multiple insurance providers that can meet your needs and offer you a customized quote.
You will simply need to enter information such as your zip code, vehicle information (if looking for EverQuote car insurance), phone number, and contact details.
If you are currently insured, you can input what your current monthly premium is using a sliding scale.
You will then be matched with an insurance company that can provide real-time quotes based on your specific requirements.
You can then choose to view your matches via email, online, or via a licensed agent who will reach out to you directly by phone.
EverQuote Review: Who Owns EverQuote?
Two friends, Seth Birnbaum and Tomas Revesz, who originally met at MIT, founded the company under the name AdHarmonics back in 2008.
In 2016, the company secured Series B funding from Stratim Capital LLC and Oceanic Partners, Savana Capital Partners, and T Capital Partners. The following year they received an additional $13 million in funding and added Mira Wilczek, the CEO of Cogo Labs, to the board.
EverQuote Review: What’s Included with EverQuote?
You can get quotes for multiple types of coverage through EverQuote’s website.
Let’s take a look at some of the types of insurance quotes that are available.
EverQuote Review: EverQuote Auto Insurance
EverQuote auto insurance is EverQuote’s most popular offering.
This service helps you to save money on car insurance by connecting you with insurance companies that can offer a personalized quote based on the information you provide via the site.
All you need to do is enter your zip code, vehicle information, and contact info, and you will receive a call from insurance companies that can provide you with auto insurance that specifically meets your needs.
This simplifies the process, as you will not need to reach out to an agency yourself in order to get a quote. This is unlike some other sites that can be used to compare rates.
EverQuote can help you to find multiple types of auto insurance for your vehicle.
You can get quotes on liability insurance, collision insurance, comprehensive insurance, uninsured motorist insurance, personal injury protection (PIP) and medical payments (MedPay) coverage, and rental reimbursement insurance.
EverQuote Review: EverQuote Home Insurance
In addition to car insurance, the company can also help you find homeowners coverage that meets your needs.
As with the EverQuote auto insurance service, you will simply need to fill out a form on the website and provide information such as your zip code and a few personal details.
You will then be matched with agents who will provide quotes tailored specifically to you.
EverQuote can help you find coverage for damages to your home, theft, or needed repairs. Each policy is different and provides coverage for different situations and damages.
Most commonly, home insurance consists of the following:
- Dwelling insurance: repairs or replacements for your home or structures on your property.
- Personal possessions insurance: coverage for your personal belongings, like furniture, clothing and appliances to be repaired or replaced in case of theft or loss due to a natural disaster, storm, etc.
- Liability insurance: used to protect yourself against accidental injuries or damage to someone else’s property while on your property.
It is important to note that home insurance does not always cover things such as earthquakes and floods, or other types of natural disasters.
EverQuote can also help you find quotes to get coverage such as earthquake insurance, hurricane insurance, and flood insurance for these specific situations as well.
EverQuote Review: EverQuote Life Insurance
EverQuote can help you find the right coverage when it comes to life insurance. You can compare Term, Whole Life, and Universal Insurance with the help of EverQuote.com.
Let’s take a look at what each type of insurance can provide.
Term Life Insurance
With term life insurance, you pick the length of your policy and choose the amount any beneficiaries will get. It is important to understand that term life insurance does not have any cash value and is, therefore, one of the cheapest types of life insurance available.
Whole Life Insurance
Whole life insurance will pay out no matter when you pass away, It tends to be the most expensive form of life insurance because of all that it guarantees.
For example, payments will stay the same, cash value will build at a predictable rate, and the amount of benefit after death is guaranteed.
Whole life insurance that doesn’t require a medical exam is available, and additionally, some policies even promise that you won’t be denied coverage based on your health.
If you are in good health, however, it is usually more cost-effective to find a plan that uses a medical exam or medical information.
Universal Life Insurance
Universal life insurance is a form of lifelong insurance. In many ways it is very similar to whole life. However, it does not always come with all the guarantees provided by whole life.
With universal life insurance, some policies build cash value, while some let you change things like premium payments and death benefits in case your situation changes down the line.
Other Types of Insurance
In addition to the three main types of life insurance, EverQuote can also help provide quotes for other types of life insurance policies such as survivorship life, accidental death, and mortgage life insurance.
EverQuote Review: EverQuote Health Insurance
EverQuote can also help you find personalized quotes for the health coverage you may need.
Health insurance can help you take care of medical costs that can easily run into the thousands. With health coverage, you will not be on the line for a good portion of costly medical bills should you fall ill, have an accident, or need a doctor.
Each health insurance plan is different and what you pay monthly and as a deductible will depend on your current health, pre-existing conditions, age, lifestyle. EverQuote can help match you with agents who can find health insurance that is right for you.
EverQuote works with leading brands like Aetna, Blue Cross Blue Shield, Cigna, and Humana, so you can be confident knowing that your quotes will come from reputable providers.
EverQuote Review: Is EverQuote Legit?
It is indeed a legit business. They are the largest insurance shopping marketplace in the US.
They have handled over 35 million requests for insurance quotes from consumers in all 50 states. EverQuote reportedly saves the average user over $500 a year on auto coverage.
EverQuote Review: Is EverQuote Safe to Use?
The EverQuote website appears to be very safe to use.
The company is accredited by the Better Business Bureau (BBB), so you should be safe from hacking, viruses, or being scammed out of money. This means that you do not have to worry about your data being stolen or compromised when using EverQuote.
Additionally, the service is free to use, so you do not need to enter your payment information to get access to quotes.
EverQuote Review: Is EverQuote a Reputable Company?
While sites like the Better Business Bureau and Yelp have some negative reviews, a survey conducted by Clearsurance of EverQuote users yielded much more positive reviews.
Of the 129 people surveyed, over 81% had a positive experience, thus giving the company a rating of 4.1 out of 5 stars.
A majority (79%) surveyed also said they had no problem with the way the site used their data.
EverQuote Review: EverQuote Cancellation Policy
If you wish to cancel your account, you can reach out to the support team via email at support@EverQuote.com with a cancellation request.
On this webpage, you can also opt to have all information on your account permanently deleted.
They will need you to confirm at least two pieces of personal information, which includes your contact information in order to verify your request.
EverQuote Review: How Much Does EverQuote Cost?
EverQuote is completely free for its users. There is no cost to use the site to compare quotes from different agents and providers.
Setting up an account costs nothing.
EverQuote Review: EverQuote Pros and Cons
There are a few pros and cons that come along with using EverQuote.com.
Let’s take a look at what they are.
- Free to use
- The application process is quick and simple
- Partnerships with trusted providers
- BBB accredited
- Provides quotes for multiple types of coverage
- Good user experience
- Quotes are not immediate
- Customer reviews are mixed
EverQuote Review: Is EverQuote Right for Me?
EverQuote could be helpful in finding insurance coverage for a variety of needs.
As the largest online insurance shopping platform, you are likely to be able to find coverage that meets both your budget and your needs.
You can choose to receive your matches online, via email, or by phone. This means that if you do not wish to be called by a provider directly, you have the option of viewing companies that fit your coverage requirements on the site.
If you want to bypass the process of contacting various insurance companies yourself to find the best quote available, then EverQuote may be a good option for you.
EverQuote Reviews by Customers
Customer reviews are somewhat mixed. However, there are still a good amount of positive EverQuote reviews. EverQuote has a Better Business Bureau rating of B despite the negative reviews.
There a quite a few reviews that gave the company 5 stars on the BBB website.
Let’s take a look at a couple of them here:
Carol L said:
“I was amazed at how quickly two insurance companies were shown to be advantageous for me. I have just moved and planned to inquire at a few companies, but they saved me the trouble and a lot of time, since I am already enrolled in the top suggested company.”
Joy C wrote:
“Simple to follow, worth doing for 10 minutes to save significant money.”
Final Review: Is EverQuote Worth It?
Overall, EverQuote seems to be a legitimate option for finding quotes for various types of insurance coverage.
The site offers an easy way to find the coverage you need without the hassle of having to reach out to different companies yourself.
This not only saves you time but ensures that you are receiving quotes from providers that can offer you the coverage you require.
While there may be mixed reviews, EverQuote still appears to be a top contender when it comes to comparing not just auto insurance, but other types of insurance as well.