Savvy is an insurance comparison tool we recently reviewed due to popular demand. Many drivers know they need auto insurance. However, when was the last time you compared your auto insurance policy to that of a competitor? Did you know that comparison-shopping could save you hundreds of dollars a year? Senior contributor Paula Gibbins reviews Savvy and lets us know how it can benefit drivers.


    Drivers are busy doing their thing. The last thing we need to worry about is paying outrageously high amounts for our insurance.

    Sometimes we just don’t have the time to comparison shop, so we just stick with what we know. Savvy helps with that.

    Savvy is a company that puts together quotes for you and helps you find the best insurance rates for what you need.

    Quick link: Click here to use Savvy to comparison-shop for the best auto insurance rates

    You can compare the best insurance plans they find for you versus the plan you currently have and see if you can find a cheaper option that will still fully cover you.

    What is Savvy? Pros and Cons of Using Savvy to Find Cheaper Insurance

    Pros of using Savvy to find the best insurance for you:

    • It’s basically a one-stop shop.
    • You are not locked into anything.
    • You can “shop around” without doing most of the research yourself.
    • It’s free to use!
    • Savvy finds options you’ve likely never even heard of, giving you as much info as you need to make a smart decision.

    Cons of using Savvy to find cheaper insurance:

    • You can’t narrow it down to only insurance companies that offer a rideshare endorsement, which is very important for rideshare drivers to have.
    • If you use Savvy paired with logging into your current insurance through their process, it doesn’t automatically fill in the amounts you have for coverage, so you do still have to do some leg work in entering the deductibles you want.

    Why Drivers Should Use Savvy

    Savvy makes it easy to know your options up front and compare with your current insurance. It helps you find what you need quickly and easily.

    There are so many insurance companies out there, it would take forever to research them all yourself. Savvy gives you top options to choose from without having to do hours of research yourself.

    How quick is it to compare auto insurance quotes with Savvy?

    It took me about 20 minutes or so to get a new auto insurance quote with Savvy. I’ll walk you through the process.

    1. Choose your current insurance company

    Savvy will ask you who insures your car. I chose State Farm because that’s where I have insurance at the moment.

    savvy review

    2. Connect your existing auto insurance account

    It then asks you to connect to your existing insurance account. You do have the option to compare without connecting, but I chose to connect to my State Farm account.

    3. Compare your options

    From there, it compiles a list of what Savvy considers your best options. I chose the top option it gave me, which is Liberty Mutual.

    savvy review

    4. Compare your quotes

    From there it found the vehicles I have on my current plan and starting putting together my quote.

    5. Tweak to get the perfect insurance policy

    I finally got my quote, then I went in and tweaked the deductibles to get to the numbers I have on my current plan. That of course changed the quote.

    The first estimate was $139.17 assuming I qualify for all of the discounts they figured into the price. The second estimate with the deductible I wanted is $150.25.

    That’s definitely less than what I’m currently paying with State Farm. BUT, the catch is, Liberty Mutual does not offer a rideshare endorsement. There wasn’t any option to add it to the quote, but I figured it’s not the most well-known thing, so I decided to use their chat feature to find out for certain.

    Representative: Welcome to Liberty Mutual, my name is Theresa. I am a licensed agent who specializes in your state. How can I assist you with your quote today?

    Me: Does Liberty Mutual offer rideshare endorsement? My husband drives full-time for rideshare and was curious about your coverages.

    Representative: We allow you to use the vehicle for rideshare however, when you have a client in the vehicle or when the app is on and searching for a client we do not cover.

    From there, I just double-checked we were on the same page, and she confirmed that the driver would not be covered at all when the app is in use.

    Well, that kinda bites. But, that’s not Savvy’s fault. It’s just something drivers have to be aware of.

    Some insurance companies offer rideshare endorsements and some do not. While we definitely recommend a rideshare endorsement, the next best thing is to find an insurance company that will at least let you drive rideshare without kicking you off if you get into an accident while driving for rideshare.

    6. Double check Savvy’s ‘included’ features and those offered by the insurance company

    I came across this one that shocked me a bit:

    savvy review

    Liberty Mutual had a section that showed me what features were included.

    One of those features that was “included” was rental car reimbursement. I thought that was pretty cool because usually you have to pay extra for that.

    However, when I scrolled through looking at my deductibles and other things I could add-on, I came across Rental Car Reimbursement as something to add.

    I found it odd that it said it was included in one spot but then I was being told to add it (for a cost mind you) in a different spot.

    Is Savvy Free?

    YES! Savvy is 100% free to use. You don’t pay for any of the services unless you decide to switch over to a different insurance company. Then you just pay whatever is agreed upon when making the switch.

    Is Savvy Legit?

    I would say so. It has hundreds of insurance companies that it will pair you up with and help you get a quote.

    Savvy does exactly what they say they will do. They do not ask for any credit card information. Also, if you do not want to link up your existing insurance account, you don’t have to. You do have the option to skip that step, so they have no access to that information.

    Final Thoughts

    Savvy is an easy one-stop shop for finding insurance if you’re hunting down a better deal than what you have. Just be sure to be aware of any differences that you might not want made — such as lack of a rideshare endorsement.

    Do your due diligence when looking at the insurance options given to you. They might not offer all of the same coverages you are looking for.

    It’s super easy to ask a few questions for clarification though. Most insurance companies have a live chat feature or give you a contact number or email to get your questions answered.

    If you’re shopping around for new insurance, consider using Savvy to make your research a little easier.

    Drivers, when was the last time you compared your auto insurance policy against another competitor?

    -Paula @ RSG

    Click here to use Savvy to comparison-shop for the best auto insurance here

    Paula Gibbins

    Paula Gibbins

    Paula has been writing for the Rideshare Guy since the fall of 2018. The main focus of her articles has been breaking news, reviewing new apps, driver experiences and more. Prior to her time with the Rideshare Guy, Paula worked as a writer and editor for various publications including local newspapers, sporting goods catalogs, online merchandise and more. She currently has a full-time job editing for a top beauty company and enjoys reading, playing board games and participating in weekly trivia.