Savvy Auto Insurance Review [2024]

This comprehensive review delves into the features, coverage options, and competitive landscape of Savvy Auto Insurance, shedding light on its role as a quote comparison platform in the dynamic auto insurance market.

UPDATED: Dec 22, 2023Fact Checked

Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Dec 22, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 22, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 22, 2023Fact Checked
no image available

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Savvy Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Savvy Insurance allows you to compare quotes from multiple auto insurance companies without filling out detailed forms.
  • Savvy Insurance does not sell your personal data.
  • You can choose to work with a dedicated team at Savvy if you need assistance switching auto insurance companies.

Cons

  • Savvy Insurance is not an actual auto insurance company, so you cannot purchase any specific auto insurance type from this company.
  • Savvy Insurance only compares auto insurance rates and does not offer any additional coverages.
  • If you click on any of the third-party links sent to you, you agree to have your information shared with that company and to be contacted by an agent.

Final Verdict: Review of Savvy Insurance

Savvy insurance sounds like an auto insurance company, but it’s actually a quote comparison website. So, while you cannot technically buy Savvy auto insurance policies, you can enter in some brief information on the company website and receive quotes from various real auto insurance companies.

In this Savvy insurance review, learn about this quote comparison website, discover if the provided rates are accurate, and determine if this website is safe and reliable for you to use while shopping for auto insurance.

Fortunately, you don’t have to visit the Savvy auto insurance company website to compare rates if you enter your ZIP code into our free quote comparison tool above to receive rates from reputable companies near you right now.

[su_box title="The Lowdown" style="default"]
  • Savvy Insurance is a quote comparison website, not an auto insurance company
  • Savvy sends you quotes after you fill out a form on the website using your current insurance information
  • It takes approximately 30 seconds to receive auto insurance quotes on the Savvy website
[/su_box] Savvy insurance sounds like an auto insurance company, but it’s actually a quote comparison website. So, while you cannot technically buy Savvy auto insurance policies, you can enter in some brief information on the company website and receive quotes from various real auto insurance companies. In this Savvy insurance review, learn about this quote comparison website, discover if the provided rates are accurate, and determine if this website is safe and reliable for you to use while shopping for auto insurance. Fortunately, you don’t have to visit the Savvy auto insurance company website to compare rates if you enter your ZIP code into our free quote comparison tool above to receive rates from reputable companies near you right now.

What You Should Know About Savvy Insurance

Savvy is not an auto insurance company. Rather, it’s a quote comparison website that provides you with estimated rates from hundreds of companies based on your current insurance information. As such, there are no average Savvy auto insurance rates, and you cannot purchase any specific auto insurance type from this company.

However, after you receive your estimated quotes, you can choose to work with a dedicated team at Savvy if you need assistance switching auto insurance companies.

You can reach the team by phone, email, or text message. But that contact information is not currently publicly available.

Savvy only compares auto insurance rates and does not offer any additional coverages. According to the company website, it also does not sell any of your personal data.

Plus, if you already have auto insurance, all you need to do is provide information about your current coverage to receive quotes. There is also an option for people who are not currently insured.

However, know that if you click on any of the third-party links sent to you, you agree to have your information shared with that company and to be contacted by an agent.

How do you request Savvy auto insurance quotes?

To request Savvy auto insurance quotes, visit the company website and click on the ‘start saving’ button. Then, choose from a dropdown tab which insurance company currently provides you with coverage.

Savvy uses Trellis to check your insurance, a secure platform that transfers your encrypted data for your security.

Plus, your credentials are not shared with Savvy itself. If you’ve created a login with your current provider, you can use that to move forward with the form, or you can select to reset the email or manually enter the information.

Unfortunately, if you do not have an insurance login, you receive a list of top company alternatives to the one you currently use instead of actual rates.

Savvy may not be the best choice for people who do not have accounts with their current insurance policies.

Otherwise, you do receive alternative rates. Because it uses your current insurance information, your quote doesn’t reflect any potential changes to your situation.

For example, new homeowners may want to bundle their policies to earn discount auto insurance. Or, you may want to change the details of your coverage levels or add other insurance types.

While there are technically no average Savvy auto insurance rates, you can compare your estimated quotes to the average cost of insurance in your state. View the average annual cost of auto insurance by state in the table below.

Average Annual Auto Insurance Rates by State

State Average Annual Auto Insurance Rates
Alabama $868.48
Alaska $1,027.75
Arizona $972.85
Arkansas $906.34
California $986.75
Colorado $981.64
Connecticut $1,151.07
Delaware $1,240.57
District of Columbia $1,330.73
Florida $1,257.13
Georgia $1,048.40
Hawaii $873.28
Idaho $679.89
Illinois $884.56
Indiana $755.03
Iowa $702.46
Kansas $862.93
Kentucky $938.51
Louisiana $1,405.36
Maine $703.82
Maryland $1,116.45
Massachusetts $1,129.29
Michigan $1,364.00
Minnesota $875.49
Mississippi $994.05
Missouri $872.43
Montana $863.52
Nebraska $831.02
Nevada $1,103.05
New Hampshire $818.75
New Jersey $1,382.79
New Mexico $937.59
New York $1,360.66
North Carolina $789.09
North Dakota $773.30
Ohio $788.56
Oklahoma $1,005.32
Oregon $904.83
Pennsylvania $970.51
Rhode Island $1,303.50
South Carolina $973.10
South Dakota $766.91
Tennessee $871.43
Texas $1,109.66
Utah $872.93
Vermont $764.02
Virginia $842.67
Washington $968.80
West Virginia $1,025.78
Wisconsin $737.18
Wyoming $847.44

You may also compare your quotes to the national average cost of auto insurance. According to the National Association of Insurance Commissioners (NAIC), the average cost of auto insurance in 2018 was $91.16 per month or $1,190 annually.

Keep in mind that many different factors impact auto insurance costs, including age, ZIP code, coverage needs, and vehicle make and model.

What are the Savvy Insurance ratings and reviews?

How are the Savvy auto insurance reviews? Unfortunately, there are no Savvy insurance reviews on the company website.

Plus, it is difficult to locate other online reviews. This company is not accredited by the Better Business Bureau (BBB) and does not have any customer reviews.

Because there’s no Savvy mobile app, there are no reviews on the App Store or Google Play.

Overall, it is unknown what type of customer service experience you might have using Savvy Insurance Solutions, LLC.

What are the pros and cons of Savvy Insurance?

The major pro of using Savvy is that you can compare hundreds of quotes in a matter of minutes simply by providing your current auto insurance information.

Plus, customers do not complain about receiving too many emails or phone calls after using this service.

This company also keeps your information very safe and only shares it with the company you choose to purchase a policy through. However, one of the cons is that people who do not have an insurance login or currently hold a policy do not actually receive real rates.

Instead, you just get third-party links that you must click on and provide more information about yourself to receive quotes. Another con is that this quote comparison website does not provide accurate quotes reflecting any recent changes you may have experienced if those changes are not updated in your current auto insurance.

This includes buying a home, moving states, or even changing ZIP codes.

Similarly, because the form uses your current policy information, it also doesn’t provide an accurate quote if you want to change your coverage levels or pick additional optional coverage types.

Are quote comparison websites safe to use?

There are many legitimate quote comparison websites that are safe to use. Secure websites are always free and will never ask for your credit card information or any form of payment.

Quote comparison websites asking for this kind of personal financial information may be attempting to scam you.

If you use an unsafe website, you may also receive text messages or phishing emails with insecure links that put your personal data at risk if clicked on.

Never share your information with anyone you feel may be attempting to scam you.

Is Savvy insurance legit? Yes, Savvy appears to be a safe and free-to-use quote comparison platform. However, understand that it does send the information you fill out in the online form to hundreds of partner companies and affiliates.

Savvy Insurance: The Bottom Line

Overall, Savvy is a legitimate quote comparison website that does provide you with alternative rates based on your current auto insurance information. Because there aren’t many customer reviews about Savvy available online, it is unknown what type of experience you may have working with the Savvy support team.

Fortunately, you don’t need affordable Savvy auto insurance rates when you can simply enter your ZIP code into our free quote comparison tool below and compare real rates from the best companies in your region.

Savvy Insurance Coverage Options

Savvy Insurance, despite not being an actual auto insurance provider, plays a significant role as a quote comparison website. It allows users to efficiently compare auto insurance quotes from various real insurance companies.

While it doesn’t directly offer insurance policies, Savvy serves as a valuable platform for users seeking competitive rates and coverage options. Let’s delve into the coverages typically offered by the insurance companies featured on Savvy.

  • Liability Coverage: Bodily Injury Liability: Covers injuries to others in an accident you are responsible for. Property Damage Liability: Pays for damages to someone else’s property caused by your vehicle.
  • Collision Coverage: Covers repair or replacement costs for your vehicle in case of a collision, regardless of fault.
  • Comprehensive Coverage: Protects against non-collision incidents, such as theft, vandalism, or natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Steps in when the at-fault party has insufficient or no insurance, covering your medical expenses and damages.
  • Medical Payments Coverage: Pays for medical expenses for you and your passengers, regardless of fault.
  • Personal Injury Protection (PIP): Offers broader coverage than medical payments, including medical expenses, lost wages, and other related costs.
  • Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired after a covered incident.
  • Roadside Assistance: Provides services like towing, tire changes, and fuel delivery in case of a breakdown.
  • Gap Insurance: Pays the difference between the actual cash value of your car and the amount you owe on your loan or lease.
  • Accident Forgiveness: Some insurers offer this feature, preventing premium increases after your first at-fault accident.

While Savvy itself does not directly offer these coverages, the insurance companies it partners with provide a range of options for users to tailor their policies.

As you explore quotes on Savvy, it’s crucial to consider the specific coverages offered by the insurance companies and select a policy that aligns with your needs and preferences. Always review the details of each coverage type to ensure you have comprehensive protection on the road.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Savvy Insurance Rates Breakdown

Driver ProfileSavvy Auto InsuranceNational Average
Clean Record$75$119
1+ Ticket$110$147
1+ Accident$151$173
DUI$242$209
Poor Credit$129$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

View as image

Savvy Insurance Discounts Available

DiscountsSavvy Auto Insurance
Anti Theft17%
Good Student20%
Low Mileage21%
Paperless9%
Safe Driver30%
Senior Driver16%

Savvy Auto Insurance, as a comprehensive quote comparison platform, not only facilitates the comparison of insurance rates but also provides insight into the various discounts offered by partnering insurance companies.

These discounts can significantly impact the overall cost of your auto insurance policy. Understanding the available discounts is key to maximizing savings while ensuring you have the coverage you need. Let’s explore the range of discounts typically offered through Savvy.

  • Multi-Vehicle Discount: Enjoy reduced rates when insuring more than one vehicle under the same policy.
  • Safe Driver Discount: Rewards policyholders with a clean driving record, free from accidents or violations.
  • Good Student Discount: Offers lower rates for students who maintain good academic standing.
  • Bundle Discounts: Combine auto insurance with other policies like home or renters insurance for additional savings.
  • Anti-Theft Device Discount: Get a discount for installing approved anti-theft devices in your vehicle.
  • Defensive Driving Course Discount: Completion of an approved defensive driving course may qualify you for a discount.
  • Low Mileage Discount: If you drive fewer miles than the average, you may be eligible for reduced rates.
  • Affinity Group Discounts: Membership in certain groups or associations can lead to exclusive discounts.
  • Good Credit Discount: Maintaining a good credit score may result in lower insurance premiums.
  • Loyalty Discounts: Some insurers reward long-term policyholders with loyalty discounts.

As you navigate the process of obtaining auto insurance quotes through Savvy, it’s essential to pay attention to the available discounts. These discounts not only contribute to cost savings but also reflect the insurers’ recognition of various factors that reduce risk.

By taking advantage of applicable discounts, you can customize your policy to be both cost-effective and tailored to your individual circumstances. Always inquire about potential discounts when reviewing quotes to ensure you’re making the most informed and economical decision for your auto insurance coverage.

How Savvy Insurance Ranks Among Providers

In the dynamic landscape of auto insurance, Savvy Auto Insurance operates within a competitive market, surrounded by several key players vying for the attention of consumers.

Understanding the landscape and recognizing the main competitors is crucial for individuals seeking the best coverage and rates. Let’s explore some of the primary competitors that share the stage with Savvy in the realm of auto insurance.

  • Progressive: Known for its innovative approach and user-friendly tools, Progressive is a major player in the auto insurance industry. It offers a range of coverage options and discounts, including the Snapshot program that tracks driving habits for potential discounts.
  • GEICO: GEICO is widely recognized for its catchy advertising and competitive pricing. As a direct-to-consumer insurer, GEICO provides an array of coverage options and discounts, emphasizing simplicity and efficiency.
  • State Farm: State Farm is a well-established insurance giant with a vast network of agents. It is known for its personalized service and diverse coverage options. State Farm offers various discounts, including those for safe driving and bundling policies.
  • Allstate: Allstate is a prominent name in the insurance industry, offering a range of coverage options and innovative features like the Drivewise program for safe driving rewards. It emphasizes customer support and features a network of local agents.
  • Esurance: As an online-focused insurer, Esurance aims to provide a streamlined and digital experience. It offers a variety of coverage options, and its emphasis on online tools appeals to tech-savvy customers.

The competition in the auto insurance market is fierce, with each competitor bringing its unique strengths and offerings to the table. As consumers explore their insurance options, considering factors such as coverage, pricing, and customer service is essential.

By evaluating Savvy Auto Insurance alongside these main competitors, individuals can make informed decisions that align with their specific needs and preferences. Always take the time to compare quotes, explore coverage options, and leverage available discounts to find the best auto insurance solution for your unique situation.

Frequently Asked Questions

What is Savvy Insurance, and how does it work?

Savvy Insurance is a quote comparison website that allows you to compare quotes from multiple auto insurance companies without filling out detailed forms. It is not an actual auto insurance company, so you cannot buy Savvy auto insurance policies.

 

Instead, you can enter brief information on the company website and receive quotes from various real auto insurance companies.

How do I request Savvy auto insurance quotes?

To request Savvy auto insurance quotes, visit the company website and click on the ‘start saving’ button. Then, choose from a dropdown tab which insurance company currently provides you with coverage. Savvy uses Trellis to check your insurance, a secure platform that transfers your encrypted data for your security.

 

Your credentials are not shared with Savvy itself. If you’ve created a login with your current provider, you can use that to move forward with the form, or you can select to reset the email or manually enter the information.

Is Savvy Insurance a good choice?

Savvy is a good choice for comparing auto insurance rates from multiple companies, but it is not an actual auto insurance company, so you cannot purchase any specific auto insurance type from this company. However, after you receive your estimated quotes, you can choose to work with a dedicated team at Savvy if you need assistance switching auto insurance companies.

 

Savvy only compares auto insurance rates and does not offer any additional coverages. It also does not sell any of your personal data.

Can I manage my policy online with Savvy Auto Insurance?

Yes, Savvy Auto Insurance typically provides online policy management options for their customers. They often have online portals or mobile applications where policyholders can access their policy information, make changes to their coverage, view billing details, and even make premium payments. Managing your policy online can provide convenience and accessibility.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption