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I recently came across an ad on Facebook for a revolutionary new way to get auto insurance. The app / company was called Gabi Insurance and it promised they promise to find you the best quote with as trouble to you as possible. Effectively, they remove the insurance agent from the equation, letting technology do the work.
One thing I am a big fan of is companies using technology to enhance the user experience and not make it more complicated. Gabi believes that they are the new form of buying insurance. On their website, they say:
Technology has made buying the right car, the right house, the right anything really, so easy. Why is finding the right insurance so hard? There has to be an easier way! Enter Gabi, your insurance concierge. We are your full-service, online advisor who compares all your insurance options to find you the right policy, all in under two minutes. Like a good concierge, we are your inside guy who can get you the best insurance at the best price.
Gabi User Expereinece
The first impression you get with Gabi and the Gabi insurance app is how clean and uncluttered it is. It makes use of modern web/UI design to make it easy to navigate on both phone and computer.
The one thing I noticed as I was signing up with Gabi and entering in my information, was how the system doesn’t require a lot of scrolling: one question, one screen. Next question, next screen. Being in the insurance industry, this is a vastly different approach from modern-day insurance raters.
Gabi Insurance Integration
Instead of forcing me to either log into my current insurance policy or try and remember my current limits on my insurance policy, Gabi does the easiest thing and just links your current insurance account. By doing this, it can pull your current policy information instead of requiring you to do so. Most Insurance Agents can do this today, but Gabi does it for you, quickly and quietly.
After Gabi integrates with your current insurance carrier, it checks to see if one of their carriers can offer you a better rate. The system quickly goes out and compares rates. While this is something current insurance brokers and companies like Progressive do already, with Gabi it is much more impressive looking.
- State Farm
- National General Insurance
- and more…
Gabi Insurance Pricing
When I linked my Geico Insurance account and let Gabi do it’s thing, it could not beat my current policy and rates. However, I have a pretty great driving record. In the short time I was messing around with the App, I had a buddy also log in and submit his information. He was stunned to find 50% savings on his policy each month by going with Progressive via Gabi; he was in disbelief as he thought that with an SR22 requirement on his auto insurance, he didn’t think anything could beat his rate. Seriously, try Gabi Insurance out now!
As with all insurance products, your history and the broker’s relationship will affect the rates you are given.
Gabi Final Thoughts
I really like the idea of Gabi. People today would rather have something like getting a quote for auto insurance made quick and easy. Additionally, using Gabi doesn’t require actually talking to someone on the phone. While I think the technology is really cool, I do miss the agent experience. A good insurance agent adds to the insurance buying experience, they don’t detract from it.
If you dont currently have insurance, it may be hard to get an insurance quote via Gabi. I had someone test Gabi and their insurance had lapsed. Not only could be not get the app to work without inputting current insurance information, we couldn’t get anyone fro the chat to answer us.
Overall, I like the app and think people will use it.