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Frequently Asked Questions

Can’t find the answer to your question here? Drop us a line at hello@gabi.com
What is Gabi?
Gabi is a free tool that compares auto and home insurance rates across top providers and finds you the cheapest rate for your exact coverage. We are an online insurance broker licensed in all 50 states.
How does Gabi work?
Gabi’s technology is able to do in minutes what it would take you hours to do on your own. Using simply the account credentials to your current insurance account (or a PDF of your policy declarations page), Gabi pulls up your current insurance information and instantly compares your policy to quotes from every major insurance company to find the best rate.
What types of insurance does Gabi shop for?
We shop for your car, home, renters, condo, landlord, and umbrella insurance. Our technology can also find discounts for bundling multiple types of insurance, so the more policies you connect or provide us, the more potential savings we can find for you!

We can also offer motorcycle and RV insurance - please ask your Gabi advisor for more details.
How is Gabi different from other insurance comparison sites?
Traditional quote comparison sites immediately attempt to monetize the consumer and often just treat consumers as leads to sell. These sites simply collect consumer information to sell it to many different insurance companies, which leads to people being bombarded by spam calls and aggressive salespeople.

Gabi is completely different - we aren’t a lead generator, we’re a professional insurance broker licensed in all 50 states. We aim to build a relationship with our customers and remain their trusted insurance broker for life. We will never sell or share your data and we don’t cold call or spam our customers.
Is Gabi licensed?
Yes, we are licensed in all 50 states. You can view all our licenses here.
How can I contact Gabi if I have questions?
You can email us anytime at advisors@gabi.com or chat with us directly when you are logged into your Gabi account. If you select a quote and would like to move forward, we will also assign you a personal advisor that you can contact directly.
How much does Gabi cost?
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.
How much can I save using Gabi?
Everyone is different, but we are generally able to find savings for about two-thirds of our customers, with an average savings of $825 per year.
If the service is free to use, how does Gabi make money?
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.
Do I pay Gabi directly when I purchase a policy?
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.
What should I expect when signing up with Gabi?
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!
Will Gabi sell my data?
We will never sell or share your data and we don’t cold call or spam our customers.
How long does it take for Gabi to provide a quote comparison?
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.
What if Gabi doesn’t find me savings?
If we don’t find you savings, you can sit tight for now - we’ll simply congratulate you on already having the lowest rate.
What does Gabi do when I provide my insurance account credentials?
When you provide your insurance account credentials, Gabi is able to pull up your policy details and instantly start looking for savings - so you don’t have to enter in all the information manually or upload your declarations page yourself. Gabi cannot log in and access your account or make changes on your behalf.
How does Gabi keep my information safe?
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.
What is an insurance declarations page, and why do I have to provide it?
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.
How do I change the cars and drivers on my quote?
You can email advisors@gabi.com or contact your Gabi personal insurance advisor directly. You can also chat with us anytime when you are logged in to Gabi.
Does Gabi check my credit?
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.
Why did my savings change after I provided additional details?
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.
Can I switch my current insurance to a cheaper option anytime?
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.
How will I receive my new insurance card?
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.
Who do I call if I have a claim or question about my coverage?
You can call us or the insurance company directly, whichever you prefer. We are happy to help!
You will receive a $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. 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.