Nsure Car Insurance Review: Consumer Reviews, Quotes (2024)

Nsure boasts user-friendly features and data privacy, but customer reviews indicate a mixed experience.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated June 12, 2024

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Nsure.com is an online hub for home and auto insurance. The site lets users compare quotes from multiple car insurance companies side by side. Nsure purports to provide real-time quotes rather than estimations.[1]

Despite these positive features, it’s worth noting that Nsure reviews paint a less-than-rosy picture of the platform.[2] Can Nsure deliver on its promises? Below, you’ll learn whether the company can bridge the gap between high expectations and the reality of its customer experiences.

Quick Facts
  • Nsure claims to provide up to nine car insurance quotes to users.

  • You’ll need to provide your vehicle information to get a quote.

  • Nsure won’t sell your personal information to third-party companies.

Nsure at a glance

Nsure is a licensed independent insurance agency that connects people with home and auto insurance. The company started in 2018 and relies on robotic process automation, artificial intelligence, and machine learning — all advanced technologies common in the insurance industry — to run its platform.[3]

The company partners with more than 50 insurers and uses proprietary technology to match you with the right coverage. However, it’s unclear how many quotes you’ll get from different insurers. In a press release, Nsure claims it can dish up quotes from as many as 25 different companies. But the FAQ states you’ll get “a total of nine quotes.”

One advantage of Nsure is it won’t sell your data, so your name and personal information are safe. It also promises you’ll never get a call from a salesperson.

Pros
  • Instant, real-time quotes for car insurance

  • User-friendly interface to streamline the process

  • Won’t sell your name or personal information

Cons
  • Only three coverage levels available

  • Earns commission, so it may prioritize higher-paying partners

  • Limited customer service hours[3]

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How does Nsure work?

Quotes are available in all 50 states, so you can find coverage no matter where you live. Here’s how to get a quote.[3]

1. Enter your name and address

Your free auto insurance quote starts with visiting Nsure.com and filling in your name and address. It uses this to pull information about you from different database sources.

2. Enter vehicle information

You can also enter your vehicle information manually if Nsure can’t find it from your name and address. Nsure asks for your VIN. If you don’t have that handy, you can enter your car’s year, make, and model.

3. Add drivers to the policy

Next, you’ll list everyone in your household who’s old enough to have a driver’s license. You’ll add spouses, partners, children, and other family members who live with you. If you have a roommate, you’ll add them in this step. You’ll need their name, birth date, gender, relationship, and marital status. You can also enter their driver’s license number if you have it.

4. Qualify for discounts

Many insurers offer discounts, and Nsure checks your discount eligibility based on different factors. It asks about homeownership (up to 40% savings), current insurance coverage (up to 40% savings), driving history (up to 50% savings), credit score (up to 40% savings), education and occupation (up to 20% savings), driving habits (up to 30% savings), and telematics usage (up to 30% savings).

You also have the option to select “early bird” (up to 10% savings), but the form doesn’t explain what it means. If you’re unfamiliar with the term, being an “early bird” means shopping and planning to buy a policy before your current coverage expires.[3]

5. Create an Nsure account

Before seeing your quotes, you’ll need to create an Nsure account. The form asks for your name, email address, country, and phone number. The site sends a one-time access code to verify your account, so make sure to enter a phone number that can receive text messages.

6. View your quotes

Despite its promise to return nine insurance quotes (or 25, depending on where you look on the website), Nsure only returned three car insurance quotes — from Progressive, Safeco, and Mercury. You can choose your coverage options to view different protection levels.[3] Nsure has three different insurance plans:

 BasicBest ValueExpanded
Bodily injury liability$50,000/$100,000$100,000/$300,000$250,000/$500,000
Property damage liability$25,000$50,000$100,000
Uninsured motorist$50,000/$100,000$100,000/$300,000$250,000/$500,000
Medical paymentsNo coverage$1,000$5,000
Comprehensive$1,000 deductible$1,000 deductible$500
Collision$1,000 deductible$1,000 deductible$500
RentalNo coverage$30/day$50/day
Roadside assistanceNo coverageCoverageCoverage
Loan/lease payoffNo coverageNo coverageNo coverage

7. Finalize your policy details

The next step is to select a coverage level and company you feel comfortable with and then click the “Continue with this quote” button.

Nsure will ask you to fill in additional information about the drivers on your policy, including driver’s license number and state, the age they first got their license, education, and occupation. From there, you’ll complete your purchase and select your coverage start date.

Nsure reviews: What real customers are saying

Customer reviews paint a mixed picture of Nsure. The Better Business Bureau (BBB) shows a rating of 1.36 out of 5, based on 25 reviews.

Overall, Nsure reviews suggest a negative experience. While one customer mentioned that the process was simple, most other reviewers had complaints. Some customers had difficulty reaching customer service, which can be frustrating when trying to resolve issues or get answers to insurance questions.

One reviewer even mentioned that they got a quote but struggled for over a month to get coverage with no success. If you need car insurance, waiting this long for coverage can be stressful.

Nsure vs. Insurify

Both Nsure and Insurify are reputable online platforms that allow you to compare multiple car insurance quotes in one place. Nsure offers a user-friendly interface and provides real-time quotes from car insurance companies. However, Nsure offers just three coverage levels, limiting your customization options.

Insurify gives you more options to personalize your coverage so that you get the coverage you want without paying for coverage you don’t need. Insurify also partners with 70-plus property and casualty insurance companies compared to Nsure’s “50+” partners.

Recent quotes for other Insurify users

Recent car insurance prices for Chevrolet, GMC, Toyota, and more. Insurify features quotes from 70+ carriers including Mercury, Orion Indemnity Company, and Direct Auto.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Is Nsure safe to use?

Nsure has been around since 2018 and holds insurance licenses in all 50 states. The company isn’t a lead-generation site and doesn’t sell your personal information. However, it lacks accreditation by the Better Business Bureau and is rated “F” by the platform.

Additionally, despite Nsure’s pledge that “no salesmen ever call,” a BBB reviewer reported calls “every day non-stop.”

Nsure FAQs

Below are answers to some frequently asked questions about getting car insurance quotes from Nsure.

  • Is Nsure easy to use?

    Yes. Nsure is user-friendly and easy to use. Their platform simplifies the insurance-comparison process, allowing you to enter your information and view options quickly. It matches you with car insurance companies and offers three coverage packages with varying levels of protection, providing a convenient way to compare auto insurance rates.

  • Is Nsure free?

    Yes. Nsure is a free insurance-comparison platform that helps you find the best car insurance quotes for your needs. You can compare multiple insurance companies and coverage levels in one place. Keep in mind that while getting a quote is free, actual insurance coverage will require you to pay premiums.

  • How can you contact an Nsure digital agent?

    You have a few options to get in touch with an Nsure agent. You can dial the customer service phone number for direct communication. Or, if you prefer a scheduled conversation, you can request a callback at a specific date and time. You can also contact an agent by sending a text or email message.

Sources

  1. Cision. "Hurricane Season is here...Don't Wait to Prepare Your Homeowner Insurance Says Online Insurance Leader Nsure.com."
  2. Better Business Bureau. "Nsure.com."
  3. Nsure.com. "Nsure."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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