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Savvy car insurance review

This service compares over 100 companies for you, but it works best if you already have car insurance.

Bottom line: See which companies Savvy recommends out of 100+ companies that it compares. Then when you choose one for a quote, Savvy prefills part of the form.

optional

Roadside assistance

Depends on provider

New car protection

Accident forgiveness

Details

States served All 50 states & DC
Roadside assistance Optional
Accident forgiveness Yes
New car protection Depends on provider
Pay schedule 12 months, Monthly
Claims methods Depends on provider
Rideshare coverage Depends on provider
SR-22 support Depends on provider

Pros

  • Compares 100+ insurance companies for you
  • Recommends companies in as little as 30 seconds
  • Prefills part of quote forms on partner sites
  • Helps you switch at no extra cost

Cons

  • Quotes don’t show price info
  • You need to connect your current insurer’s online account
  • You don’t know which companies Savvy is comparing
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
Other discounts Depends on provider

Review by


Sarah George is an insurance writer at Finder who’s penned over 400 articles, unraveling complicated topics about car, home and life insurance. Her insurance know-how has been featured in online publications, including Breeze, CBS, CNET and Reviews.com, as well as Finder’s YouTube channel. Sarah is working to become a Certified Educator in Personal Finance (CEPF).

Expert review

Savvy helps you shop for insurance faster by comparing hundreds of car insurance companies and recommending a few that fit your needs. Plus, it connects you with a licensed agent via text to answer questions and help you switch companies — a nice personal touch to its online service.

However, its quote tool works best if you already have car insurance because you’ll need to connect to your online account with your current company. Connecting your account allows Savvy to pull your policy details for quotes.

Savvy also doesn’t show you prices from the insurance companies in its quote tool, which is common with comparison sites, but good to know beforehand. To get a price, you’ll click on one of the recommended companies listed and be redirected to that company’s quote tool with some of the form prefilled for you.

Overall, Savvy works best if you want to speed up your car insurance shopping with company recommendations and prefilled quote forms. But if you’re curious about companies that Savvy doesn’t show in your comparison, compare more car insurance companies on your own.

How to get a free quote from Savvy

Savvy can provide you with a variety of quotes in under one minute. To get a quote:

  1. From Savvy’s homepage, tap Start Saving.
  2. Select the company that currently insures your car, or choose My car is not insured.
  3. Select Continue if you agree to let the company check on your current insurance.
  4. Answer questions about your online login for your current insurance company and tap Submit. Or choose to fill out forms manually.
  5. View your current monthly rate and select companies that interest you from the recommended list. You’ll be redirected to a Savvy partner’s site.
  6. Savvy prefills basic information for you. Fill in missing details and view your quote.
  7. You’ll get a text from a Savvy insurance agent asking if you have questions and suggesting another company where you can get a quote.

If you don’t connect your online account with your current insurer, you’re presented with companies like Everquote and Progressive to get quotes. Then, you’ll fill out the quote forms for those companies manually.

What info do I need to apply?

You can bypass filling out forms by providing your:

  • Current insurance company name
  • Online account login

If you have to input your information manually, you may need:

  • Basic personal info: Name, phone number, email address
  • Drivers license number
  • Driving history
  • Car VIN or make, model and year
  • Annual mileage
  • Additional drivers’ name and driving history

What discounts and perks does Savvy offer?

Savvy doesn’t leave you without assistance after going through the quote process. You’ll get access to:

  • Insurance agents. After using Savvy’s service, a licensed agent texts you to answer your questions.
  • Help switching companies for free. If you like your quote, you can call on your Savvy agent to help you transfer your policy to your new company.

Savvy car insurance reviews and complaints

Unfortunately, Savvy doesn’t have many customer reviews or business ratings online to help you understand what its customer service is like. Other review sites praise the company for saving shoppers time while comparing a wide variety of insurance companies.

However, a few reviewers didn’t like that you have to fill in some information during the quote process and that you can’t filter by specific coverage like rideshare insurance.

Alternatives to Savvy

Weigh Savvy’s recommended companies against these insurers’ coverage and benefits. Then, choose Get quotes to see your customized cost.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
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.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Compare up to 4 providers

What coverage can I get through Savvy?

The exact coverage that you can buy depends on the insurance company. But you can bet that Savvy’s partners offer the most common types of protection.

  • Bodily injury liability protects you if you injure other drivers or passengers and helps pay legal expenses if they take you to court.
  • Property damage liability pays to repair or replace other people’s property or belongings like the other driver’s car if you cause the damage.
  • Collision covers your own car’s repairs or another car when you’re responsible for an accident.
  • Comprehensive kicks in for nearly any type of damage that’s not related to hitting another car. That includes storm damage, vandalism or theft.
  • Uninsured or underinsured motorist comes into play when another driver hits your car or injures you but doesn’t have enough insurance to pay for all your expenses.
  • Medical payments help you or your passengers pay for medical bills if you’re injured in an accident.
  • Gap insurance makes up the difference if you total your car and your insurance payout isn’t enough to pay off your car loan.
  • Roadside assistance steps in when you break down on the road because of a flat tire, dead battery, running out of fuel or any issues that require you to tow your car.
  • Rental reimbursement pays for your rental car for a specified number of days if your car needs repairs after an accident.

How do I contact Savvy?

Savvy offers support by text, phone or email. But the company’s way of communicating works differently than most insurance companies.

  • Text. Initially, a Savvy agent reaches out to you by text after you connect your online account during the quote process. You can respond by text.
  • Call. You can set up a call with the agent who reaches out to you for your initial quote. You’ll call that agent’s phone number rather than a centralized customer service line.</li

    How Savvy uses your personal information

    Savvy keeps its privacy policy accessible through its privacy policy link at the bottom of its website, offering transparency about how it uses your information. Its policy says that it puts “organizational, technical and physical safeguards” in place to protect your personal data.

    Like many businesses, Savvy uses cookies as you access its site that helps the company analyze how people use its service. It also allows third-party cookies so that other websites can deliver targeted ads to you. You can opt out of these cookies through your web browser settings.

    Savvy also uses Trellis Technologies to collect information from your current insurance company’s online account. Once retrieved, Savvy relays some personal information to insurance companies as you choose them to get quotes.

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