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The Zebra Car Insurance Review


Rating: 8.2 / 10 (Excellent)
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The Zebra is an Austin, Texas-based auto insurance marketplace that allows users compare quotes from a variety of sources. Founded in 2012 and boasting over 200 partners representing a myriad of coverage, discount, and pricing options, this company aims to provide results to users that most closely match their needs and locations.

The Zebra – Overview

Founded in 2012 the Zebra is the nations most visited car insurance comparison site. To date the organization has helped more than 4 million drivers save hundreds of dollars a year on car insurance. The marketplace’s comparison engine can get quick quotes from over 200 top auto insurance carriers in less than 60 seconds, this is 24 times the amount of offers a customer typically gets with an insurance agent. 

As many Americans are paying too much for car insurance and don’t know it, the Zebra employs a search engine that compares multiple local and national insurance companies to find the rock bottom best prices for a given customer’s particular situation. Some of the top affiliates the Zebra partners with include Allstate, MetLife, and Liberty Mutual. The comparison site has also been favorably reviewed in such publications as Time, Forbes, and lifehacker. 

“The Zebra makes it super simple to find a better rate on auto insurance.”

-lifehacker.com

Coverage

Since the Zebra can offer comparisons of over 1,800 insurance products from 250+ carriers across all 50 states, the coverage options the aggregator can provide you are indeed vast. A basic list of coverage options provided by Zebra affiliates follows:

Liability – Covers medical bills and property damage to the other party if you are at-fault in an accident.  This is usually expressed numerically as 25/50/25, which means 25k bodily injury per person, 50k bodily injury maximum per accident, 25k in property damage.

Collision – Covers the cost of repairs to your vehicle minus the deductible regardless of who is at fault.

Comprehensive Insurance – This type of insurance covers non-accident damage to your vehicle, i.e. theft, fire, weather damage.

Uninsured Motorist Coverage – Uninsured or underinsured coverage pays for damage caused to you or your vehicle in the event of a hit and run, or should the guilty party not have sufficient insurance or no insurance at all.

Personal Injury Protection - Covers you and your passengers for injuries and work loss sustained in an accident no matter who is at fault. PIP is often a requirement in “no fault” states.

Non-Owners Insurance – Covers someone who does not own their own car while they are operating your vehicle.

Full coverage - A misleading term that is simply a combination of comprehensive and collision.

Plans and Pricing

Through its comparison process, the Zebra can save the average customer over $300 a year on car insurance. The company is able to do this by getting quotes from over 250 carriers at once. Although this provides an enormous amount of flexibility, customers must understand that the Zebra offers only estimates and not actual rates. In order to get a finalized quote you must proceed to communicate directly with the chosen insurance company, or through one of Zebra’s licensed agents. The company asserts, however, that as long as the customer inputs the correct personal information (credit score, history, etc.), the estimate they receive is 99% accurate. 

Discounts

The Zebra strives to educate its users on the various types of discounts available to them. Often, drivers miss out on hundreds of dollars in savings just because they were unaware of the discounts they may qualify for.  Popular discounts available with policies purchased through the Zebra include:

  • Advance Purchase Discount
  • Affinity Discount – Discounts based on your employer, school, or organizations which you are a member.
  • Annual Mileage Discount
  • Anti-theft Discount – For cars equipped with anti-theft devices
  • Driving Class Discount
  • E-Pay Discount
  • Good Driver/Student Discount
  • Green Vehicle Discount – hybrids or alternative fuel vehicles
  • Homeowner Discount
  • Multi-Policy/Vehicle Discount
  • New Vehicle Discount
  • Passive Restraint Discount - motorized seat belts, airbags, anti-lock brakes, and daytime running lights.
  • Pay-in-Full Discount
  • Student Away at School Discount

Car Insurance with The Zebra

The Zebra is a great pick for car insurance particularly for those customers who have not shopped for insurance in quite some time. The website can give you a quick and accurate idea of how much you could be saving from a switch to various carriers. The more insurance companies and policies you are able to compare, the greater the chance savings will be found. With over 250 agencies in affiliation offering thousands of products, the Zebra casts a wider net than almost any other online marketplace. 


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