How Jerry Works
Jerry is a free app trusted by 1,749,525 drivers nationwide that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Shopping for insurance used to mean hours of phone calls and filling out the same forms over and over. Jerry, a licensed insurance agency, pulls real-time quotes from up to 100+ insurers. Enter your info once, compare quotes side-by-side in minutes, and switch policies without ever leaving the app. And we don’t stop once you’re covered – Jerry keeps monitoring rates so you know when it’s worth reshopping.
Here is how the app works, what you can compare and how Jerry can help you find the right coverage at the right price.
Get personalized car insurance rates now.
What you can compare and shop through Jerry
Jerry started as a car insurance comparison tool, but the app has grown into an insurance & car care platform. Today you can compare multiple types of insurance, and Jerry also helps with car maintenance and repair cost estimates through GarageGuard and driver safety through DriveShield. Here is what you can shop for.
You can also customize your limits and deductibles to see exactly how different combinations affect your price. Jerry shows quotes across four common coverage tiers: state minimum, full coverage, standard and preferred. Quotes come from 100+ insurers nationwide, including popular names like Progressive, Geico and Allstate, as well as regional and specialty carriers.
The Jerry difference: Jerry lets you compare car, home, renters and motorcycle insurance across 100+ insurers in one app. You can customize your coverage levels and deductibles in real time, and mix and match carriers across policy types to find the combination that works for your needs.
How to compare insurance quotes with Jerry
Getting started takes just a few minutes. You answer a few questions and Jerry shows you up to 20 personalized, side-by-side quotes you can compare right in the app.
Here is a general overview of the process.
How Jerry makes sure you never overpay for coverage
The biggest savings come from comparison shopping itself. Each insurance company uses its own formula to calculate your rate, which means the same driver can get quotes that differ by hundreds of dollars depending on the carrier.
The National Association of Insurance Commissioners (NAIC) advises drivers to shop around because prices can differ significantly among companies. Before Jerry, comparing rates meant visiting multiple insurance company websites, re-entering the same personal information on each one and trying to compare quotes that were formatted differently across every carrier. Jerry removes that friction by comparing quotes from up to 100+ insurers at once, so you can see all your options side by side without spending an entire afternoon on the phone or filling out the same forms over and over.
But comparing rates is only part of the picture. Jerry also checks which discounts you may qualify for across every carrier, so you are not leaving money on the table.
Save money by bundling home and car insurance
One of the easiest ways to make sure you are not overpaying for insurance is to bundle your home and car insurance. Most insurers offer bundling discounts of 5% to 25%, and Jerry customers who bundle can save up to 40%.
Plus, with Jerry you don’t have to use the same company for both policies. Sometimes you’ll save more by getting home insurance from one company and car insurance from another.
Here is how Jerry can help you bundle:
- See all your options. Jerry shows you home and car quotes from multiple companies at once, so you can see how bundling could lower your total cost.
- Mix and match freely. You are not stuck with one company. Jerry lets you combine the best home quote with the best car quote, even if they are from different insurers.
- No math required. Jerry estimates your home’s replacement cost automatically so you can feel confident in the coverage you are getting.
Automatic discount discovery
Jerry checks for discounts from each carrier and shows you which ones you are eligible for. This matters because many drivers don’t know which discounts exist, or forget to ask their carrier about what’s available.
Here are some of the most common discounts Jerry finds:
Homeowner discounts
Typically 4% to 9%.
Owning a home signals financial stability to insurers, which often translates into a lower car insurance rate, even if you decide to not bundle your home and car policies.
Autopay and paperless billing discounts
Typically 2% to 5%
Signing up for automatic payments and opting out of paper statements can earn you a small but steady discount with most carriers.
Safe driver and clean record discounts
Typically 10% to 25%
Carriers reward drivers with no recent accidents or violations. Violations typically stay on your record for three to five years, and Jerry automatically monitors your rate so you know when a clean record could qualify you for a lower price.
Military and federal employee discounts
Active duty service members, veterans and federal employees may qualify for reduced rates with carriers like USAA, Geico and others.
Telematics discounts.
Many carriers now offer telematics-based discounts that reward safe driving habits. Jerry has its own version built right into the app called DriveShield, which tracks habits like braking, acceleration and phone use. A good driving score through DriveShield can qualify you for additional savings with participating carriers, and we only share your drive score with carriers if it can improve your premium.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Learn more: Car insurance discounts
Ongoing rate monitoring
Insurance rates change frequently, and your rate at renewal may be higher than what is available from another carrier, even if your driving record has not changed. Jerry monitors market rates over time and lets you know when it may be time to reshop, so you do not have to remember to check on your own.
The Jerry difference: Jerry helps you compare quotes in minutes, surfaces discounts you may be eligible for and monitors rates over time so you know that you are not overpaying.
What makes Jerry different from insurance comparison sites
There are a lot of sites that advertise free car insurance quotes. Most of them work differently from Jerry.
| Feature | Jerry | Most comparison sites |
|---|---|---|
| What you get | Real, bindable quotes from up to 100+ insurers | Ballpark estimates or redirects to insurer websites |
| How you buy | Buy your policy directly in the app | Redirected to the insurer to finish purchase |
| Data privacy | Never shares your data with third parties for marketing purposes | May sell or share your info to agents and advertisers |
| After you buy | Ongoing rate monitoring, payment reminders and policy management | Relationship ends at the point of sale |
| Human help | Licensed agents available seven days a week if you need them | Varies widely |
The Jerry difference: Jerry is a licensed insurance agency in all 50 states and Washington, D.C. that helps you compare, buy and switch insurance, all in one app. Your data is protected by our DataLock Guarantee, which uses bank-level encryption and ensures your information won’t be shared or sold for marketing purposes. After you buy, Jerry keeps monitoring rates and alerts you when it is time to reshop.
Learn more: Is Jerry legit?
It only takes 2 minutes to sign up at Jerry.
faq
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How does Jerry work?
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Is Jerry a licensed insurance agency?
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Does it cost money to compare quotes with Jerry?
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What kinds of insurance can I compare through Jerry?
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How much do Jerry users typically save?
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What discounts can Jerry find for me?
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How does Jerry’s rate monitoring work?
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Can I bundle home and car insurance through Jerry?
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Is it worth using Jerry vs. shopping for car insurance on my own?
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Does getting quotes through Jerry affect my credit score?
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What insurance companies does Jerry compare?
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Why might my final rate be different from my initial quote?
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Is my personal information protected?
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How do I contact Jerry?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from. Read Jerry’s car insurance data methodology to learn more about how we collect, verify and share real-world insurance data.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.