Pretected Insurance Comparison Review (2023)

Finding the right car insurance is crucial for drivers looking to save money. Pretected aims to simplify the process by offering a one-stop comparison platform, connecting you with more than 100 insurers and offering various discounts.^[1] 

However, Pretected doesn’t actually provide quotes. Instead, it redirects users to other comparison sites or to the insurers themselves.

What is Pretected?

Pretected is an online comparison tool for auto insurance founded in 2015 by Kisstera, an insurance marketing firm based in Tel Aviv, Israel.^[2] The company claims to have a proprietary “smart matching” system that analyzes “thousands of data points” to connect you with insurance companies right for you and your situation.

It’s worth noting that the company doesn’t have many customer reviews, despite being in business for more than eight years.^[3] Additionally, Pretected released a report in 2020 on the most popular cars in America but hasn’t had any newsworthy events since.

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How does Pretected auto insurance work?

Pretected doesn’t directly operate as an insurance company or broker. Instead, it serves as an online shopping platform for insurance. It asks for personal details, such as your location, name, and birth date, as well as the make and model of your car, and uses that information to match you with insurance companies that can meet your needs.

The company doesn’t directly provide details about how it generates revenue, but it does provide third-party companies with your information, so you may receive unwanted calls and messages after using the service.

Pretected pros and cons

How to get a car insurance quote through Pretected

Pretected’s quote form takes less than five minutes from start to finish. Here’s a step-by-step guide to the process:

1. Visit the Pretected website. Look for the option for car insurance, and click it.

2. Enter your ZIP code. This is important because it helps match you with an insurer that provides coverage in your state.

3. Select your vehicle details. Car insurance companies look at your vehicle’s make, model, and year when setting rates.

4. Choose how you use your vehicle. Coverage costs vary depending on your mileage and how you use your car, whether it’s for pleasure, business, or commuting.

5. Determine how much coverage you want. Pretected offers policies that meet the state minimum requirements where you live, as well as basic, standard, and superior coverage for more protection. However, it’s unclear whether these packages include additional safeguards, like roadside assistance or higher liability limits.

6. Specify how you own your car and add any additional vehicles you want to insure. Whether you own, finance, or lease your vehicle directly influences your auto insurance rates, as it determines the required coverage and associated liability.

7. Select your current insurance company. Pretected asks for the name of your insurance company and how long you’ve had coverage.

8. Enter your driving history. Fill in your driving record honestly so you get the most accurate quotes.

9. Enter your personal details. The Pretected quote tool will ask about your gender, marital status, education level, credit score, and birth date. It will also ask whether you own a home or are in the military (or if your spouse is).

10. Finally, enter your name and address. Your first and last name, as well as your address and phone number, are the final pieces of information you’ll need to enter before seeing your car insurance company matches.

Pretected claims to match you with the best insurer based on the information you enter. However, it falls short by not displaying actual quotes or policy options, ultimately failing to give you the information you were looking for.

The verdict

When it comes to getting car insurance quotes, Pretected doesn’t deliver on its promises. Even if you follow each step of its quote process, the platform will leave you empty-handed without any actual rates. Instead, it redirects you to other quote-comparison platforms, forcing you to restart the quote process.

Pretected customer reviews

You won’t find many Pretected reviews or ratings online. Only 26 reviews are available on Trustpilot, and the ratings aren’t impressive.^[4] More than half of the reviews give the company 1 out of 5 stars.

Several reviewers mention the company is a scam, saying things like “they sell your information and nothing else” and “what a huge waste of time.” One reviewer said they got “11 calls within SECONDS” of entering a phone number — even before they finished Pretected’s quote process.

Consumers Advocate rates the company “very good,” giving it a rating of 3.8 out of 5.^[5] However, it appears Consumers Advocate bases this rating primarily on the companies Pretected partners with, such as Liberty Mutual, State Farm, and GEICO.

Keep in mind that you likely won’t receive any rates when going through the quote process. Instead, Pretected redirects you to other insurance comparison platforms, where you may need to start the process all over again.

Pretected vs. other insurance-comparison platforms

The car insurance market is very saturated. Pretected is just one of many comparison platforms vying for your attention. What sets these sites apart is often the user experience, the range of insurers they partner with, and the additional services they offer.

While Pretected brings together more than 100 insurance companies in one place, so do competitors like Insurify, Jerry, and The Zebra. Given the negative feedback from other users, it’s probably best to seek out other options before deciding to use Pretected’s quote tool to get auto insurance rates.

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Pretected vs. Insurify

Both Pretected and Insurify make it easy to provide your information, but only Insurify shows you insurance rates directly, without sharing your information with insurance agents. Pretected may refer you to Liberty Mutual or State Farm, but it doesn’t save you any time — you’ll still need to visit each website individually to get a quote.

With Insurify, you can see real quotes side by side, so you can compare them easily. You can view rates from top insurers, like Travelers and Liberty Mutual, as well as from local insurers. You’ll even be able to toggle between types of coverage, coverage levels, and deductible amounts to see how your coverage affects your rates.

What’s more, Insurify has much higher customer satisfaction than Pretected’s ratings. And while Pretected advertises discounts of up to 20% on car insurance, Insurify data shows that users save an average of $585 on their auto insurance when they switch.

Pretected vs. Jerry

Although Jerry’s sign-up process is similar to Pretected’s, Jerry has one advantage that works differently. It uses artificial intelligence to analyze your current insurance policy and shows you three options before every renewal. However, you may have to adjust your coverage levels on Jerry to find savings.

If you want to switch, Jerry handles the paperwork for you and won’t share your information with insurance companies, unlike Pretected. You can also shop for car, home, renters, and umbrella insurance products on the site. Be aware that Jerry will text you unless you opt out.

Pretected vs. The Zebra

The Zebra offers a few more types of insurance than Pretected, with the option to shop for bundled deals. Zebra offers both online and phone purchasing options, as well as the option to compare quotes from a wider range of insurers. However, you need to click through to the insurance company’s website to see prices for most insurers.

One downside of The Zebra is that you can’t pick your exact coverage levels. Instead, you must choose from three different packages. The Zebra claims that users save an average of $440 annually, and reviews for the site are excellent, but it has limited functionality compared to Insurify.

Learn More: The 10 Best and Worst Car Insurance Comparison Sites

How to save on car insurance

Getting a good deal on car insurance can have a significant effect on your overall finances. Consider the following strategies to save money on car insurance:

• Adjust your coverage levels. If you opt for lower levels of coverage, you may be able to reduce your premiums. Full coverage offers more comprehensive protection, but if you don’t drive much, lower coverage levels may help you save money.

• Raise your deductibles. Increasing your deductible — the amount you pay out of pocket in the event of a claim — can lower your premiums. Just make sure you can afford to pay the higher deductible if needed.

• Improve your credit score. Many insurers consider your credit score when setting premiums. Keeping your balances low and making payments on time could potentially lead to lower insurance rates.

• Take a driving course. Some insurance companies offer discounts to drivers who complete a defensive driving course or other approved driving courses. This not only improves your driving skills but may also reduce your premiums.

• Shop around. Prices can vary greatly from one insurance company to another, even for the same exact coverage. Shopping around lets you compare policy options and discounts to help you find the best rates for the coverage you need.

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Pretected insurance FAQs