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Hi,
I have seen a FB ad for Gabi.com - they claim to review my car insurance and check it for a better rate. Has someone used them? They claim to be able to save $410...
Best,
Peter
No, the quotes aren't...unless the policies are identical as are the carriers' claim practices. Auto insurance is not a commodity. Auto insurance policies are different. Just because the limits and deductibles are the same for Liability, Medical Payments, UM/UIM, and Physical Damage between two companies doesn't make that an "apples to apples" comparison. You have to look at the specific terms and conditions, especially the exclusions and other limitations.
Some carriers do use pure ISO forms. Most do not. Even minor form language differences can result in catastrophic coverage gaps. Ask the kid who killed his passenger street racing. His policy excluded racing while the ISO form only excluded racing inside a facility designed for racing.