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Gabi Insurance | Company Review

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The insurance industry has changed dramatically over the last two decades. And, in almost every case, it has changed for the better. No longer do we have to visit an agency to get quotes and buy insurance, or even get service or file a claim. Now, all communication is electronic and therefore quicker and more accurate.

In today’s insurance world, you can get online and shop for almost any type of insurance with dozens of insurance companies at once. It’s a good thing when you can shop the entire marketplace and buy a policy in minutes. You no longer have to wait for several agents to call you back and spend a lot of your time talking insurance 101 and then finally offer a quote you can’t afford.

What is Gabi?

Gabi is a new (established in 2016) insurance comparison service that is owned by Gabi Personal Insurance Agency, Inc, an independent insurance brokerage based in San Francisco and licensed in all 50 states.

Like other websites that provide automated insurance quote comparisons, consumers can shop for car or home insurance with Gabi using their laptop, tablet, or Smartphone. Gabi, however, takes the additional step of retrieving the information on your current policy electronically instead of you having to input all that information manually.

According to Gabi, they are able to save consumers money on their insurance because they can shop each auto policy with dozens of highly-rated insurance carriers they partner with.

How the Gabi Shopping Process Works

When you open the Gabi app, you are immediately taken to a quick interview process where you select the name of your current insurance company from a drop-down list or if you do not currently have insurance, you click on that button.

Next, you’ll enter some basic information about you and your spouse if married. Next, you’ll be asked for the login information to your current insurance company so that Gabi can capture the coverage, vehicle, and driver information so they can create an apples-to-apples comparison.

If you don’t use your current insurance company’s web portal or don’t have the login information, you can simply upload a PDF of your “declaration page” and Gabi will take it from there.

Once Gabi has the information they need for a quote comparison, they can deliver your quote in a matter of minutes. The quote will include the pricing from about twenty different carriers which lets you that you were able to shop with all of Gabi’s partner companies at once.

The initial quote you receive will be an “indication’ until your motor vehicle report and insurance score is retrieved. This part of the process happens rapidly as well so in almost every case, you should have your final quote back in a matter of minutes. You can then review the quotes and select a company you prefer to use and start the application process.

Purchasing You Policy through Gabi

Once you’ve decided on the policy or policies you’d like to purchase, Gabi will email you the documents required by your state and instructions for making your premium payment (down payment or full amount). These documents are handled in an encrypted email program so your privacy is completed protected.

Lastly, Gabi will email you the cancel request forms for you to send to your current provider to make sure policy or policies are canceled appropriately (don’t worry if you paid in full, by law your current carrier must refund the unearned portion of your premium).

Going forward, it’s important to know that Gabi intends to review every policy they sell at renewal and continue to look for ways that they can save their customers money. As most consumers understand, insurance rates are fluid and can go up or down with every renewal. Gabi wants to be proactive when it comes to rating increases.

What types of Insurance can I purchase with Gabi?

Gabi provides price comparisons for multiple personal policies which will help the consumer take advantage of multi-policy discounts (bundling) which can be substantial.

Auto Insurance

  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments
  • Personal Injury Protection (no-fault states)
  • Uninsured/Underinsured Motorist Protection
  • Comprehensive and Collision
  • Roadside Assistance
  • Rental Reimbursement

Homeowners Insurance

  • Dwelling
  • Other structures on your property
  • Personal property (contents)
  • Personal liability
  • Medical Payments
  • Loss of use


  • Personal Property (contents)
  • Personal Liability
  • Medical Payments
  • Loss of Use

Condo Insurance

  • Dwelling (from the studs in)
  • Personal Property (Contents)
  • Personal Liability
  • Medical Payments

Personal Umbrella

  • Covers the policyholder’s liability over and above underlying policy limits

Is Gabi a lead Generation Company?

Gabi is an online insurance broker and not an internet lead generation company. After contacting Gabi about insurance, you don’t have to worry about a dozen agents calling you to try and get your business. Quotes offered by Gabi are processed through the Gabi Personal Insurance Agency and then the data, documents, and payment is sent directly to the insurance carrier you’ve chosen to purchase from.

Most of a policyholder’s interactions will be with the insurance company, however, customers can contact a Gabi representative online or by email using Gabi does not charge a fee for their services; they are paid a commission by the insurance company you choose to purchase from.

Your insurance policy, declaration page, and ID cards will be sent to you from the insurance company and they will notify your state’s department of insurance that you have the appropriate coverages required in your state.

What about Claims Service?

Most insurance companies prefer to communicate directly with the insured about a claim but Gabi will be happy to assist in the process to help matters get resolved quickly and efficiently. Customers are encouraged to contact Gabi at or the chat box on their website.

In Conclusion

If you are looking to save money on your personal insurance coverage, contacting Gabi is a no-brainer since it will only take a few minutes to determine if you are getting the best deal on your car and homeowner insurance. This is especially true if you’ve had a claim during your policy term and expect a substantial rate increase. How much easier can it get?

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