Frequently Asked Questions

Gabi is completely free to use. There is no obligation to move forward after your quote comparison and we will never charge you any fees.

Everyone is different, but we are generally able to find savings for about two-thirds of our customers, with an average savings of $961 per year.^⊛

We are a licensed insurance broker. We get paid by the insurance companies we work with when we sell one of their policies. It is important to note that when we present your quotes, we will always recommend the cheapest policy no matter what.

No, we sell you the policy but you pay the insurance company directly via bank account, credit card, or mortgage bill. We do collect your payment information so that we can submit it to the insurance company to pay for your policy if you decide to switch, but we will never take money from you or charge any additional fees.

The process of signing up with Gabi so we can shop for a better rate on your insurance is simple and straightforward:

1. Enter some basic information about yourself so we can quote you accurately and communicate with you.
2. Connect your current insurance account so we can pull up your policy details and find you the lowest rate for the same coverage. If you don’t know your account credentials or would prefer to upload your policy separately, you can easily provide us your declarations page as a PDF as well.
3. We’ll search for the lowest rate for the same coverage and generate a quote comparison list of all of your options based on the information we have so far.
4. Fill in some additional details that we need to finalize your quote (including car and driver information).
5. We’ll confirm your rate with the insurers and provide your final rate and how much you can save.
6. Once we’ve confirmed savings and you’re ready to switch, you can easily buy the cheaper policy directly through Gabi. Easy!

We will never sell or share your data and we don’t cold call or spam our customers.

In most cases, you will get your quote comparison within 2 minutes. If our technology is unable to verify all the information automatically, we will have to manually review your policy so there can be a bit of a delay. This typically won’t take more than 48 hours, and we will let you know as soon as we’ve completed the quote comparison.

If we don’t find you savings, you can sit tight for now - we’ll simply congratulate you on already having the lowest rate.

Gabi uses your current insurance account credentials to pull up your policy details and exact current coverage levels, so we can make sure we’re shopping on an apples-to-apples basis with your current policy. This is our most popular option and saves you time and effort because you don’t have to enter in all the information manually or find and upload your declarations page. Gabi cannot log in and access your account or make changes on your behalf.

A declarations page is a summary of your policy that summarizes what is covered by your insurance and what the premium is. The declarations page is commonly found when you log in to your current insurance provider’s online portal and is also sometimes referred to as the “information page” or “dec page”. If you can’t or don’t want to connect your insurance account directly, we need your declarations page so we can find the lowest rate for the same coverage levels.

Gabi is dedicated to protecting your personal data and employs 128-bit key based encryption to store your credentials. The connection between your browser and our servers is encrypted using Secure Sockets Layer (SSL). We use best practice procedures and systems to restrict unauthorized internal and external access to any private user information.

You can add, remove, or change cars, drivers, and coverage levels right in your Gabi app after creating your account. If you have any questions, please email advisors@gabi.com or contact your Gabi insurance advisor directly.

Gabi does not perform a credit check. Some of our insurance partners will do a soft credit check as part of their approval and quoting process, which does not affect your credit score.

Insurance rates are based on a number of factors, all of which can impact the exact rates you receive. The quotes we display in the initial quote comparison are based on the information provided to us during the sign-up process. If the insurance company finds any differences between the information reported and what they find on your driving record or insurance history (such as an accident, speeding ticket, etc.) your quote will most likely change. Your Gabi advisor will always provide you with a final, confirmed quote that you can review and approve before deciding whether or not to purchase the policy.

Yes, you can switch insurance companies anytime. Typically, even if you have already paid for a full policy term, you can cancel and get money back on a pro-rated basis. There are a few companies that charge an “early termination fee” - please speak with your Gabi insurance advisor directly about your individual situation.

The insurance company you choose will send you your new card directly, but we can also send it to you if you need it right away. We will also upload it to your Gabi account so you have it handy.

You can call us or the insurance company directly, whichever you prefer. We are happy to help!

You will receive $25 Amazon gift card for each friend who signs up using your unique link and subsequently receives a cheaper car insurance quote and provides their driver license number(s) to confirm the quote. Your friends must sign up with your unique link to qualify for the promotion. Your friend must not have signed up with Gabi before, and cannot be a member of your household or on your insurance policy. Your friend must also have prior insurance with the ability to furnish Gabi approved specific form of proof. You will get an email notification when someone signs up with your unique link, and then we will also notify you when they get a quote and you get paid. If you live in Maryland we can only pay out $50 in total - this is a regulatory limit.