Pros
Cons
WARNING! BAD PEOPLE! I purchased an auto insurance policy through an ad I saw from Gabi Insurance. They bound the wrong auto policy coverages through Allstate with coverages I never elected, like PIP. They left off towing and rental. I learned this too late last week when I was rear ended and need to use my rental/towing coverage. No one answers the phone at Gabi. You have to leave a message and wait to see if someone returns your call. Eventually, a day later, an uniformed and unimpressive young lady called and essentially told me "awe, too bad, so sad", call Allstate to see if they will help you because Gabi Insurance won't get involved. WTF! Well, I did just that. Gabi insurance just wants your money. You are nobody to them. Gabi Insurance will not call you or help you when you have a claim. Your asking for more problems if you go with Gabi Insurance as your agent.
We first contacted Gabi back in early 2019 when LiMu had suddenly raised our renewal premium by over $600 (>30%). Previously, our rates may have gone up slightly @ each renewal, but nothing dramatic, even during the 7 years following an accident claim we had in 2012.
So we were pleased when Gabi offered us comparable coverage at a lower premium through Safeco (ironically, also a Liberty Mutual company). It saved us nearly $1k for that year, so we jumped at it. We were also pleased when our Gabi representative promised that they would continue to monitor the market prior to each annual renewal and let us know if they found other savings available for us.
We have never had any claims with Safec and our premium through Gabi only increased slightly at renewal in 2020 and again in 2021. Since Gabi never notified us of better rates prior to these renewals, we assumed they hadn't been able to find any savings for us and let our policy automatically renew. Then, just prior to our 3rd annual renewal in early 2023, Safeco notified us that our 2023 premium would be going up by nearly $1500 to $4K per year, (over 50% higher than it was in 2022. I immediately sent a message to Gabi through their website asking whether they had found better rates to offer us, but I never heard back. With the renewal date approaching, I decided to shop around myself and was quickly able to find some other insurers offering comparable coverage for significantly less than Safeco's renewal.
I was especially surprised when I got a quote directly from Liberty Mutual that was nearly $2K/yr lower than Safeco's, so we signed back up with Liberty and canceled our Safeco policy with Gabi prior to renewal.
The lessons we learned were:
1) Always do your own research prior to renewal, and
2) Don't expect Gabi to look out for you.
Although we might consider checking back with Gabi at some point in the future, but I would never again count on Gabi to offer us better rates once they've sold us a policy. Continue to do your own homework.
Third time was right!I kept seeing the commercial about Gabi and wanted to give these guys a chance. I tried a bundled home-auto a first time, the prices that came back were about 35% less than my current bundle, but after a week a policy re-evaluation came back and was 20% more.. I passed. I changed my mind a couple of months later and tried a second time, but long sRead more about I kept seeing the commercial abouttory short, different insurance and same outcome. Then in June I thought even for 10-15% I should switch so I submitted a third time (always the same data) and this time with Farmers. The quote from Gabi was with Farmers, 40% less than my insurance. The difference is Farmers sent a matching contract, without review, which I signed. As is usual, à home inspection happen and did not change the quote as everything was accurately provided to Gabi. Worth it!
Experian/Gabi - Based on their quote I switched my Auto and Homeowners to a company they recommended and paid for a year in advance. 2 months later they billed me for additional $$ saying a discount was wrongly applied and has been removed so I owe more. NOT my fault. I spent hours trying to get help, "supervisor" of customer service didn't even make the effort to call back - just emailed saying the request was denied. NOT RECOMMENDED.
I just wanted to see quotes on their website. It didn't show me any but they sure were quick to send my number to every scam insurance company bc I received about 20 calls the same day. Don't give them any of your info.
Avoid this company contacted them to see about a cheaper auto policy they quoted me a price that was incorrect the agent would input incorrect information just to sell the policy only to have your policy updated a month later and 125 dollars more than what you where quoted and agreed to all so they can make their commission