Luis Pazos 
Finding the right insurance can be a huge headache, but PolicyGenius simplifies the process. This tool lets you compare multiple insurance quotes without visiting individual websites or making numerous phone calls. PolicyGenius streamlines everything with just a few clicks.
PolicyGenius Overview
Founded in 2014 and based in New York, PolicyGenius offers a nationwide service that helps users sift through a vast array of insurance options. They cater to all kinds of insurance needs, including life, disability, health, renter’s, homeowner’s, jewelry, auto, travel, identity theft, long-term care, and vision insurance.
Comparing PolicyGenius
When you stack up PolicyGenius against other platforms like Coverhound and The Zebra, it stands out by offering a wide range of insurance types. Coverhound focuses on business and personal insurance, while The Zebra specializes in car and home insurance.
PolicyGenius History
Started by Jennifer Fitzgerald and Francois de Lame, the company aims to make buying insurance hassle-free. All brokers are licensed and operate in all 50 states, ensuring you can find coverage no matter where you live.
Getting Started
Navigating the PolicyGenius website is simple. Whether you’re tech-savvy or not, you’ll find it easy to get quotes. You provide basic info like your name, gender, birthdate, ZIP code, occupation, and employment status. A few additional questions help narrow down your options for more accurate quotes.
Once you enter the information, you’ll see personalized quotes. You can either save these results or tweak the coverage amounts and types to better suit your needs. PolicyGenius even asks about your non-negotiables, like deductibles and coverage limits, to narrow down your choices further.
Insurance Check-Up Tool
Your insurance needs can change over time, and PolicyGenius recognizes this. Their Insurance Check-Up Tool asks you a dozen questions and provides a blueprint to cover any gaps in your current policies. This tool categorizes your needs into ‘Get These,’ ‘Think About,’ and ‘You Don’t Need,’ making it simple to follow through on their advice.
Advantages
PolicyGenius is highly rated among users for its ease and efficiency. You can obtain quotes quickly, saving hours of phone calls and reducing potential biases that can come from traditional insurance agents. The recommendations and quotes you get from PolicyGenius are impartial, helping you find affordable policies without a sales pitch.
Should You Use PolicyGenius?
The short answer is maybe. While PolicyGenius can provide a wide array of quotes from top insurers, it doesn’t cover every company out there. For specialized needs, like health complications or key-person insurance, it might not offer the best options. However, for the average customer, PolicyGenius is an invaluable tool for finding cost-effective insurance plans.
Consider an Independent Insurance Agent
Although PolicyGenius isn’t the first platform to offer multi-company quotes, traditional independent insurance agents might connect you with more insurers. This could lead to even lower rates but involves more time and personal interaction.
Summary
PolicyGenius makes it easier to compare and buy various types of insurance. The platform is user-friendly, provides comprehensive resources, and ensures you get impartial advice.
Start using PolicyGenius today and simplify your insurance shopping process.
