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Pro: One thing we really like about QuoteLab is that it uses geo-location to achieve greater accuracy. When you visit the QuoteLab website, it immediately identifies your location (from your IP) and uses this information to filter what you see. If you’re from Texas, it shows you relevant information and deals from Texas. If you’re from California, it shows you relevant information and deals from California. And so on.
Con: It’s important to emphasize here that QuoteLab is neither an insurance carrier not a broker. It is solely a matching service that helps users (like you) find great deals on car insurance. Beyond finding you your best match and providing useful information, QuoteLab doesn’t offer any services.
As a matching service, QuoteLab works with 30 highly rated national insurance carriers to find you coverage that suits your needs and requirements. Its partners include: Allstate, Esurance, 21st Century Insurance, General, and MetroMile. Following are the six basic types of coverage offered by its insurance partners.
Bodily Injury Liability. Covers you for all costs related to bodily injuries suffered by other drivers when you are at fault.
Property Damage Liability. Covers you for all costs related to damage of another person’s property when you are at fault.
Collision. Covers you for all costs related to vehicle repair and replacement if your vehicle is damaged in a collision, regardless of who was at fault.
Comprehensive. Covers all repairs and replacement costs if your vehicle suffers damage in a non-collision incident such as fire, flood, vandalism, theft, or hitting an animal.
Personal Injury Protection. Covers medical and rehabilitation expenses for you and your passengers, and some insurers also cover lost wages.
Uninsured and Underinsured Motorist. Covers the other driver’s liabilities if they are uninsured or underinsured.
QuoteLab boasts some of America’s largest insurers in its partner network. Most of these partners offer a range of add-ons and features, including the following.
Gap coverage. In a total loss, this add-on covers the gap between the depreciated value and the money you still owe on your car.
Rental reimbursement. Guarantees you get a temporary replacement if your regular car has to go to the shop due to a covered incident.
Roadside assistance. Guarantees you get emergency assistance for things like flat tyres or being locked out of your vehicle.
Rideshare coverage. Covers people who use their car for Uber another ridesharing platform.
Equipment coverage. Covers loss or damage to equipment you installed in your vehicle (as opposed to equipment that comes with the car).
Pay-as-you-go (PAYG) coverage. Alternative type of insurance where you are charged only for the amount you drive. Suitable for drivers who don’t use their car every day.
QuoteLab matches users to insurance companies and agents only after you provide certain information. Your rates may vary based on factors like coverage limits, deductibles, driving history, education, occupation, type of vehicle, and location.
In order to receive quotes from QuoteLab, you will need to complete a short application form. The form consists of the following sections:
• Personal details, e.g. name, email address, phone number, and home address (and repeat for co-applicants).
• Vehicle details, e.g. includes year, make, model, and body style, as well as details about mileage, when you purchased the vehicle, and whether you were the original owner (and repeat for additional vehicles).
• Driving history, e.g. info about previous claims, accidents, and your insurance history.
• Details about things that could qualify you for a discount, e.g. military service, age, vehicle security features.
We mentioned earlier that QuoteLab is not an insurance carrier and therefore is not responsible for things like claims. If and when you need to file a claim, you will need to go through the insurance agent or carrier that QuoteLab matched you with.
QuoteLab isn’t only online. It also offers phone service during business hours. To ask a question or get a quote, head to the QuoteLab website or call them toll-free at (855) 786-8352.
Getting the best deal on car insurance requires comparing insurance companies, which can take up a lot of your time. For this reason, it’s a good thing QuoteLab exists. With QuoteLab, you can find the best custom rates from 30 top national insurers in minutes – saving you the trouble of applying to each insurer separately.
