Provide Insurance Review [2023]: Save Up to $610 on Car Insurance

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Looking to save money on your car insurance? Provide Insurance is the free online marketplace that wants to help you get more affordable rates.
Last updated Jan. 6, 2023 | By Larissa Runkle , Kate Daugherty | Edited By Melinda Sineriz

We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Provide Insurance is an insurance marketplace operated by EverQuote and works with more than 160 insurance companies and more than 7,000 agents to help you save money on car insurance. Simply by filling out one short online form, Provide Insurance will connect you with multiple insurance companies who will discuss your options and provide you with a quote.

Provide Insurance could be a helpful tool for people who want to streamline their car insurance search and receive multiple quotes from local and big-name insurance companies.

Whether you’re just curious about potentially saving money on your car insurance or you need to get new insurance now, Provide Insurance could help simplify your search.

In this Provide Insurance review

Provide Insurance: Is it worth it?

Provide Insurance
Pros Cons
  • Insurance shoppers can receive multiple car insurance quotes from local and nationwide insurance companies just by filling out one form.
  • Insurance agents or companies will likely contact consumers within minutes of submitting the form.
  • Provide Insurance is free to consumers.
  • Not all insurance companies partner with Provide, so you may need to request additional quotes if your preferred company isn’t on the Provide platform.
  • By using the service, you agree that Provide can share your contact information with multiple insurance companies and that agents can contact you.
  • Consumers don’t get to choose which insurance companies contact them.
Our verdict: Although Provide Insurance isn’t an insurance company, it can help consumers get multiple insurance quotes for free by filling out one form. Provide can be a helpful tool in your insurance search, but it’s important to know what you’re signing up for since you don’t control how many or which insurance companies have your information.

What is Provide Insurance?

Provide Insurance
Year founded 2010
Types of coverage Provide Insurance is an insurance marketplace and does not sell insurance.

Their partner insurance companies may offer various types of coverage such as:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Uninsured motorist (UM)
  • Underinsured motorist
  • Personal injury protection
  • Rental reimbursement insurance
  • Roadside assistance
  • Rideshare coverage
  • Personal umbrella liability

Discounts available Available discounts will vary by insurance carriers and location but may include:
  • Bundled policies
  • Multiple policies
  • Multi-car
  • Continuous coverage
  • Good driver
  • Teen driver/good grades
  • Away at school
  • Defensive driver
  • Added auto safety equipment
  • Safe driving program completion
  • Low mileage driver
Where you can use it Provide Insurance’s marketplace is only available via desktop or web browser; apps are not available at this time.
Customer support Provide Insurance general information phone number: 855-522-3444

Customer service for insurance company partners can be found on the partner's website.

Availability All U.S. states are eligible to use the Provide Insurance search form, but coverage availability and requirements may vary.

Provide Insurance is a car insurance marketplace owned and operated by EverQuote, Inc. EverQuote is the company behind several insurance marketplaces that also operates multiple brands promoting homeowner and life insurance savings. According to the company, these brands collectively comprise “America’s largest insurance marketplace” by connecting millions of consumers with insurance providers in the company’s network.

The company was founded in 2008 by current CEO Seth Birnbaum and CTO Tomas Revesz, under the name AdHarmonics, rebranding to EverQuote in 2011 after launching its first online insurance marketplace. EverQuote has since focused on providing affordable and transparent insurance options.

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How does Provide Insurance work?

Provide Insurance is a free — and commitment-free — way to get auto insurance quotes from several leading providers simultaneously. To start, fill out the online form with some basic profile information. This will include things such as your zip code, current insurance information, and the number of cars you’re looking to insure.

It should take you less than two minutes to complete your profile with Provide Insurance. Based on the information you share, the company will connect you with several top auto insurance providers in your area. You’ll receive quotes and packages from auto insurers within minutes via phone or email.

One thing we love about shopping with Provide Insurance is that because the company functions solely as a marketplace, you’re never obligated to purchase anything. Provide will connect you with insurance agents who will try to sell you packages, but it won’t push you to purchase. Instead, you’ll receive several top auto insurance quotes and packages in your inbox and be able to start comparing offers to find one that’s good for you.

What insurance does Provide Insurance offer?

Although Provide Insurance does not offer insurance coverage, it has partnerships with several insurance carriers. Most insurance companies offer standard and optional coverage options to help you find the right policy to meet your needs (and comply with state law) and may include:

  • Liability: Liability coverage is required in all states except New Hampshire and helps to pay for any medical costs or property damage to others when you’re at fault in an accident. There are usually two types of liability coverage required: bodily injury liability and property damage liability.
  • Collision: Collision coverage helps to pay for expenses related to the damage or totaling of your vehicle from an accident or other type of collision, usually regardless of fault.
  • Comprehensive: Comprehensive helps to cover damage caused by something other than an accident, such as vandalism, theft, fire, hail, windstorms, or falling objects. States don’t require the purchase of collision and comprehensive coverages, but a lender or leasing company may require you to keep both for the length of your loan or lease.
  • Medical payments: This coverage helps to pay for medical expenses for you or your passengers after an accident.
  • Uninsured/underinsured motorist (UM/UIM): UM/UIM assists in covering expenses caused by a driver without insurance or without enough insurance to cover the damage done to your vehicle and your medical bills.
  • Personal injury protection (PIP): This coverage is similar to medical payments insurance but tends to cover additional expenses like assistance services if you can’t work after an accident.
  • Personal umbrella policy: The personal umbrella policy adds additional coverage if you exceed the liability limits on your auto policy. If your liability policy doesn’t cover the expenses of the person you hurt, assets like your home, retirement funds, or bank accounts may be at risk, and you may need an umbrella liability to extend your liability protection.

Additionally, many insurance companies offer optional coverages to customize your policy:

  • Rental reimbursement: This optional policy helps cover the cost of renting a car if your vehicle is damaged in a covered accident.
  • Roadside assistance: Being stuck on the side of the road can be scary, but roadside assistance coverage helps make sure someone is always available to tow your car, jump the battery, repair a flat tire, deliver fuel, or provide locksmith services while you’re on the road.
  • Rideshare insurance: Rideshare insurance helps rideshare drivers fill in the gaps in their standard car insurance. While rideshare companies may offer their contractors insurance coverage, it may not provide as much protection as you’d hope, and your personal car insurance doesn’t usually apply to rideshare services.

The coverage options offered will vary based on the specific insurance companies that issue a quote from Provide Insurance’s marketplace. The Provide Insurance algorithm connects you with insurance providers who are more likely to meet your exact coverage needs, but you’ll likely have to work with each insurance company to receive a customized quote.

In addition to auto insurance, Provide Insurance, through its parent company EverQuote, can help you find additional quotes for other types of insurance.

Currently, EverQuote can connect you with insurance companies that may also provide insurance policies for:

  • Homeowners
  • Renters
  • Life
  • Health
  • Commercial

When using the Provide Insurance platform for hunting for the best car insurance, you are likely to get multiple phone calls or emails from various insurance companies.

Provide Insurance: How cheap is it?

How to find discounts

You may receive additional discounts from the insurance partners that Provide Insurance works with for meeting some of the following criteria. Just like with coverage options, discounts vary by insurance company and location, but some of the more common discounts include:

Account and policy management

  • Multiple policies: Having more than one policy, such as home and auto, together through the same provider might help you save some cash.
  • Multi-car: If you have more than one vehicle on your insurance policy, you might receive an extra discount if both vehicles are kept primarily at your home address.
  • Long-term customer: Some insurance companies offer a discount if you’ve been a customer for multiple years, although the specific length of time and other qualifying criteria, like the type of policies you have, varies by the insurance provider.
  • Going paperless or setting up automatic payments: if you set up an automatic bank withdrawal to pay your premium, you may receive a monthly discount. You might save additional money when you go green and receive correspondence via email instead of snail mail.
  • Full pay: Paying your entire premium upfront can be an excellent way to earn a discount with your insurance company. Just make sure you plan ahead so that the lump sum payment fits into your budget.

Safe Driving

  • Good student: Many insurance carriers will provide a discount if you have a full-time high school or college student that maintains a certain GPA. The various age and GPA requirements vary by provider, so be sure to ask.
  • Defensive driving: Insurance companies may reward you if you (or your student driver) take a defensive driving or road safety course since it could help you avoid or limit the damage caused in an accident.
  • Vehicle safety: Purchasing a newer car with more included safety features or installing anti-lock brakes, a car alarm, or a GPS locator might help you save money with various insurance companies.

How to maximize your savings with Provide Insurance

Saving money on car insurance isn’t just about choosing the right car insurance company. It’s also about making smart choices along the way. Here are some additional tips that can help you save even more on your auto insurance.

  • Maintain a safe driving record. Because insurance policies are all about risk assessment, your driving history and driving habits may factor into your overall rate. Your auto insurance rates will likely be cheaper if you have a record of safe driving including avoiding DUIs and speeding. Insurance companies do consider past insurance claims when deciding your rate. 
  • Avoid buying a flashy car. Sure, we all like to look good in our new cars. But if your car seems more equipped for the racetrack than your morning commute, you can bet that you’ll probably pay more to insure it.
  • Improve your credit score. Another way to save on auto insurance is by improving your credit score. Insurance providers look at creditworthiness when determining rates.
  • Become a loyal customer. As with any other company, insurance providers appreciate repeat business from policyholders. If you’re also on the market for home insurance, renters insurance, or life insurance, or if you have multiple cars to insure, your agent may offer insurance discounts for bundling your policies or purchasing more insurance products with them.
  • Shop around. This is what makes Provide Insurance such a great resource. Rather than individually reaching out to multiple auto insurance companies in your area to research coverage options, you can complete your online profile with Provide (just once) to receive several car insurance quotes from local insurers, and then use these to shop around for the best deal.

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FAQs about Provide Insurance

Is Provide Insurance a free service?

Provide Insurance is 100% free to use. It’s also commitment-free, which means you aren’t required to purchase an insurance plan through one of its partner providers. However, if you do decide to apply for a car insurance policy with a partner provider, you'll need to pay a deductible and monthly premiums or annual premiums as you would with any other auto insurance policy.

Is Provide Insurance a reputable company?

Provide Insurance is a reputable company owned and operated by EverQuote, Inc., which has been in business since 2008.

Which insurance companies does Provide work with?

Provide works with a long list of some of the best car insurance companies, including small local providers as well as big names such as Progressive, Esurance, Liberty Mutual, Nationwide, American Family Insurance, and AAA.

How long does it take to find insurance with Provide?

It takes only a few minutes to complete the company’s online form and start receiving auto insurance quotes from top local providers.

What types of auto insurance does Provide offer?

The types of coverage that Provide offers will likely vary based on its partner's insurance options. Common types of insurance coverage include comprehensive coverage, collision coverage, uninsured motorist coverage, personal injury protection, bodily injury liability coverage, property damage liability insurance, rental car coverage, and roadside assistance.

Keep in mind that your auto insurance needs will likely vary based on your preferences and geographic location. For instance, Florida only requires that you have property damage liability and personal injury protection coverage; while Georgia requires that you have bodily injury and property damage liability. Of course, you can purchase additional coverage beyond the minimum required by your state. 

How to get started with Provide Insurance

To start finding the best car insurance rates and auto insurance coverage with Provide Insurance, simply head to the website and complete the online form. After providing some basic details about yourself, you’ll be prompted to enter your car’s make, year, model, and mileage.

Make sure you’re prepared to answer questions about your current car insurance coverage and provider, how you primarily use the car, and how many drivers you’d like to include on the policy. Entering all of this information should take you less than two minutes, at which point you’ll start receiving competitive quotes from top insurers in your area.

Bottom line

Like car payments and maintenance bills, paying for car insurance is just one of those expenses that comes with owning a car. But like anything else, you can save money and find the best rates by spending some time shopping for the best car insurance deal.

Another way to stress less about owning a car is to set up an emergency fund for unexpected expenses. Put a little cash aside each month, and you’ll feel way more prepared for those untimely tickets or trips to the mechanic.

Methodology

FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers

  • You could save up to $500 with some companies
  • Compare dozens of providers in under 5 minutes
  • Fast, free and easy way to shop for insurance
  • Quickly find the perfect rate for you

Author Details

Larissa Runkle Larissa writes for FinanceBuzz and divides her time between a cabin in the San Juan Mountains and traveling in a van. She enjoys writing about travel, debt relief, personal loans, and mortgages. Her work has been featured on MagnifyMoney, LendingTree, and Realtor.com. Outside of finance and real estate writing, she’s also at work on several fiction projects. When away from the computer, you’ll find her reading, exploring local trails, and climbing rocks.
Kate Daugherty Kate Daugherty is a freelance writer based in Denver, Colorado. She specializes in personal finance, grant writing, and senior health.