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Pretected car insurance review

A car insurance shopping tool that compares insurers and suggests the top options for you.

Get a quote if…you’re looking for recommendations on car insurance companies.

Pick something else if…you want to see dollar amounts in your quote.

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Details

States served All 50 states
Roadside assistance Optional
Accident forgiveness Yes
New car protection Yes
Pay schedule Depends on provider
Claims methods Depends on provider
Rideshare coverage Depends on provider
SR-22 support Depends on provider

Pros

  • Recommends insurance options for you

  • Compares a variety of brands, big and small

  • Gives results in minutes

Cons

  • No dollar amounts shown in its quote tool

  • Not many customer reviews online

  • Can’t compare several types of insurance at once

Anti-theft device discount Depends on provider
Bundling discount Depends on provider
Defensive driving discount Depends on provider
Good student discount Depends on provider
Loyalty discount Depends on provider
Homeowner discount Depends on provider
Military discount Depends on provider
Safety device discount Depends on provider
Special employment discount Depends on provider
Usage-based discount Depends on provider

Our take on Pretected’s car insurance

Pretected is an insurance comparison tool that lets you enter your personal information to see options. Its tool works well if you want to see recommended companies without doing much research.

However, you won’t see dollar signs after going through Pretected’s quote process. You’ll continue to the insurance company’s quote tool, fill in missing personal information and then see your quote.

Also, Pretected includes other comparison sites as options in its quote tool, which redirects you to that site’s quote tool. Last, we’d prefer more reviews to get a picture of Pretected’s customer experience.

Overall, its quote process works similar to other comparison sites. We’re impressed that you can start your quote by phone, an option that similar companies don’t offer. But if you’re hoping to compare insurers’ coverage and perks side by side, opt for another comparison site or research the companies on your own.

Compare car insurance online or by phone with Pretected

Pretected offers two quick options for getting a quote — online or over the phone, whichever suits the way you communicate. To start your quote over the phone, call 844-773-8328.

Otherwise, use Pretected’s online quote tool by following a few steps:

  1. Put in your personal details like your name, address and the car’s make and model. Follow the prompts to add the information.
  2. You’ll see your car insurance options in under five minutes, based on our timing while using the tool.
  3. Pretected suggests a list of companies and their features. Select your preferred company to get a quote from its online tool.
  4. You’ll be redirected to the insurance company’s website. Follow the prompts to fill in the insurance application.
  5. Look over your quote and coverage. Then, add or remove types of coverage or raise the dollar amount of coverages as needed.
  6. If you’re happy, accept your quote and enter your payment details.
  7. Finalize your policy’s start date and submit your application.

Car insurance discounts available with Pretected

The discounts you see depend on which insurance company you choose after using Pretected’s comparison tool. Common discounts that many insurers offer include:

  • Bundling insurance policies — Some companies hand out discounts up to 30% if you buy several policies together, like home and auto insurance.
  • Defensive driver — Take a defensive driving course or show that you’ve recently completed one to save around 10% with most insurers.
  • Good student — High school and college students can land discounts up to 35% by earning good grades, typically a B average or higher.
  • Homeowner — Shave 10% to 25% off your monthly insurance premiums if you own your home.
  • Multiple vehicles — Pretected mentions that you’ll save 20% for adding another vehicle during its quote process. However, the true discount depends on the insurance company.
  • Safe driver — Land savings up to 25% for safe driving. But you’ll need to show an accident-free driving record for three to five years first.
  • Telematics program — Get a personalized car insurance rate when you let your insurance company track your driving through an app or device installed in your car.

Perks with Pretected are limited

Outside of its comparison shopping tool, you won’t find many extra features with Pretected. The website provides a few dozen self-help articles. However, other comparison sites offer hundreds of articles to answer your questions.

Despite few extra features with Pretected, you might find policy extras with the insurance company itself. Examples include accident forgiveness or lower deductibles for maintaining a clean driving record.

How Pretected uses your data

Pretected collects your personal information when you enter it voluntarily into its quote tool, according to its privacy policy. It also collects some information automatically through site cookies, unless you disable the use of cookies in your browser.

Pretected may use the information collected to:

  • Contact you with information that you requested.
  • Deliver its products and services to you.
  • Maintain its site.
  • Match you with service providers, such as insurance companies or other broker or comparison sites.
  • Perform research or analysis.
  • Provide quotes from service providers.
  • Send you product updates, offers or newsletters.
  • Show you customized content or advertisements.

Pros and cons: Should you use Pretected to buy car insurance?

Pretected suggests top car insurers that fit your personalized profile within minutes. However, its biggest downside is that it doesn’t show the rate that you’ll pay with each company in its quote tool.

Pros

The top benefits of using Pretected’s car insurance quote tool:

  • Recommends top insurers for you — Pretected recommends four brands that fit your situation based on your personal details, starring the option it recommends the most.
  • Compares a variety of brands — You may see brand names like Allstate and Liberty Mutual alongside smaller brands like Clearcover in its comparison tool.
  • Gives results in minutes — It takes less than five minutes to see insurance options, based on our timing of the quote process.

Cons

The main drawbacks about using Pretected:

  • Multiple forms to complete to get a quote — Pretected doesn’t give you dollar signs in its quote tool, so you have to continue the quote process with the insurance company.
  • Can’t compare several types of insurance at once — Unlike some comparison sites, you have to start a new quote to compare other types of insurance with Pretected.
  • Not many customer reviews — Pretected isn’t a well-known comparison site, so not many customers leave reviews about their experience. And the reviews we found are mixed.

Pretected’s customer reviews are mixed

You won’t find many customer reviews or ratings of Pretected online, making it hard to see whether customers have an overall positive or negative experience.

A handful of Trustpilot reviews leave an overall score of 2.9 out of 5 for Pretected. However, most reviews were left over a year ago.

Of those, some customers find the service helpful for comparing insurance options quickly. Other customers warn that Pretected collects personal information while not providing actual insurance quotes.

For more information on how Pretected uses your information, look at the privacy policy on its website.

Compare Pretected to alternatives

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
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TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
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Yes
Yes
Yes
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Progressive
loan/lease coverage
Yes
Snapshot
Yes
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Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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Compare up to 4 providers

Coverage you can get through Pretected

The coverage that you can get depends on which insurance company you choose. But expect these main types of coverage, especially if they’re required by your state.

  • Bodily injury liability — Pay for injuries to another driver, passenger or pedestrian if you’re at fault in an accident.
  • Collision — Cover repairing or replacing your own car if you hit another car or object. The other driver’s insurance won’t pay for the damage in this case.
  • Comprehensive — Repair or replace your car if it’s damaged for a reason other than a collision such as animals, a storm, fallen tree, theft or vandalism.
  • Medical payments — Pay for your and your passengers’ medical bills if you get hurt in an accident.
  • Personal injury protection — Cover your and your passengers’ medical bills, lost income and other household services if you get injured.
  • Property damage liability — Pay for damage to another person’s car or personal property like car seats, cargo or property fencing if you cause an accident.
  • Uninsured or underinsured motorist bodily injury liability — Cover your own medical bills and other injury-related expenses if you get hit by a driver who doesn’t keep enough insurance.
  • Uninsured or underinsured motorist property damage liability — Cover repairing or replacing your own car or personal belongings if another driver hits you and doesn’t have the proper insurance.

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