Changing the Car Insurance Game: Jerry Insurance Review

Jerry is a licensed insurance broker with 4.7 stars on the App Store thanks to competitive rates, quick service, and supportive agents.
Written by R.E. Fulton
Edited by Kathleen Flear
Reviewed by Josh Damico
Jerry is a licensed insurance agency that combines best-in-class customer service and technology to find the cheapest rates on car and home insurance coverage from Allstate, Progressive, Nationwide, AAA, and over 50 more insurance providers. 
Here’s why Josh Damico, Head of Insurance Operations, says shopping with Jerry is the best way to buy
car insurance
in 2023.
  • Jerry is the #1-rated insurance app on the App Store with an average of 4.7 stars out of nearly 16,000 ratings.
  • Jerry works with 55+ leading car insurance companies to find savings for over 2 million current customers.
  • Jerry’s core services include car insurance shopping, auto loan refinance, usage-based rewards for safe driving, and service reminders.
  • On average, Jerry customers save over $800 per year on car insurance.

I’ve worked in insurance for 18 years—here’s why Jerry is the best way to buy car insurance today

When you talk to customers every day for nearly twenty years, you learn a lot about what they need. Customers need agents who can demystify insurance, walk them through confusing processes, and get them cheaper rates—fast. 
Here’s another lesson from my time in the insurance industry: at most brick-and-mortar agencies, agents don’t care as much about what the customer needs once they’ve made their sale. 
Jerry does insurance differently. Here are three game-changers that Jerry’s using to remove frustration from the insurance shopping process: 
  • No more feeding information over the phone: At a regular insurance agency, a lot of the insurance shopping process involves giving information piece by piece over the phone to an agent who feeds it into an application. Jerry’s app-first technology cuts that step out: you create a profile directly in the app and get quotes immediately—and if you need to call our agents, they’ll already have all the info they need from your profile.
  • Jerry helps you cancel your policy: Most people don’t know how to cancel their old insurance—but most agents at traditional companies don’t care about answering that question once they’ve made their sale. At Jerry, we help the customer through the whole process: you can go into the app, pick out the policy you want to cancel, and get the correct cancellation form sent directly to you. 
  • Jerry helps customers avoid rate hikes: Sometimes, other agencies know that customers’ policies drastically increase—but there’s nothing they can do. At Jerry, we give customers the option to reshop whenever their policy renews and get a less expensive policy if they want to. 
The bottom line: Jerry’s fixing bugs that the rest of the insurance industry isn’t bothering with to optimize the shopping process for ordinary customers. 
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Joshua Damico, Vice President of Insurance Operations at Jerry

Josh Damico rose within 14 years to become GEICO’s Director of Sales and Underwriting for New England and New Jersey. Since 2019, Josh has led Jerry’s team of 100+ licensed agents as VP of Insurance Operations. He is a regular guest on news channels in the Buffalo area, where he educates drivers about car insurance.

Jerry saves the average customer over $800 per year

As Head of Insurance Operations at Jerry, I oversee a team of 100+ licensed insurance agents who help drivers find savings on car insurance every day. Here are some of the actual quotes that Jerry users have found in the last month.
Quote DateCar
Before Jerry
After Jerry
LocationZip CodeNameAgeInsurance Company
February 25, 2024Toyota RAV4 LE$300/mo.$227/mo.Irvington, NJ07111Clara L.41Bristol West
February 16, 2024Hyundai Sonata Sport$200/mo.$179/mo.
Eucha
, OK
74342Jonathan T.52Progressive
February 16, 2024Dodge Charger R/T$99/mo.$84/mo.Robstown, TX78380Sarah T.49Dairyland
February 13, 2024Chevrolet Impala LT$395/mo.$103/mo.Matthews, NC28105Roy A.26Progressive
February 6, 2024Chevrolet Trax 1RS$250/mo.$103/mo.Shelby Township, MI48316Christine W.28Bristol West

What Jerry’s customers have to say

Our team analyzed 283 user reviews from May 30, 2022, to January 15, 2023, to see why customers love the Jerry app. Here’s what we found: 
  • Jerry saves drivers money: “The customer service I had with my rep was amazing. Deals are crazy good. Saving me $2,100 through the year.” - 9/29/2022
  • Jerry saves drivers time: “They established my coverage in literally 10 minutes. They do have the tech-support, which was there for me to ask questions, and it was not automated. It was real people!” - 1/14/2023
  • Jerry is easy to use: “I'm a new driver and new insurance policy holder and this process made the search so easy! I spoke to Jim, a Jerry representative, to get my insurance the same day!” - 11/1/2022
  • Jerry offers stellar coverage: “Their customer service is A+! They saved me about 200 a month on my car insurance while still having full coverage insurance.” - 10/13/2022
  • Jerry’s agents are friendly and knowledgeable: “The agent I spoke with explained everything to me…He was so patient with me while I was at work—calm and answered all my questions!” - 12/1/2022

How Jerry finds the lowest rates on car insurance

One of the questions I hear most often from our customers is, “How does Jerry actually work?” If you’ve never bought car insurance through an app before, here’s what you’ll need to do: 
  • Download the app: You’ll start by selecting the type of insurance you’re looking for. You can shop for car insurance alone or combine it with
    homeowners
    or
    renters insurance.
     
  • Build a driver profile: You’ll answer a series of eight questions that cover your vehicle, your driving habits and history, and personal information like your age, location, and phone number.
  • Get your quotes: Using this information, Jerry will analyze real-time price estimates from any insurance companies that fit your profile (e.g. companies that sell policies in your state). Getting quotes takes about 45 seconds, and you’ll see options for different levels of coverage: Basic, Standard, and Preferred. 
  • Make the switch: Once you’ve reviewed your coverage options, you’ll be able to select the quote that fits your needs and switch in the app. Jerry’s agents will help you assemble all the necessary paperwork and even help you cancel your old coverage once the new policy is active. 

How to lower your car insurance even more

I always remind customers that insurance quotes are highly personalized. They’re based on your unique driver profile, so don’t be worried if you’re not able to find huge savings! 
Here are a few of my favorite tips for lowering car insurance rates: 
  • Qualifying for discounts:
    Good student discounts
    , bundling discounts, and paperless billing discounts could all reduce your rate. 
  • Achieving a clean driving record: If your rate is high due to a
    recent ticket
    or
    accident
    , safe driving could earn you discounts and help you avoid additional charges. 
  • Installing an anti-theft device or security system: If you have
    full coverage
    on your vehicle, some companies offer discounts for drivers who invest in
    anti-theft measures
  • Building your credit score: Insurance companies look at
    credit scores
    when setting rates, so your quotes will go down if your credit rating goes up! 

More than insurance: other Jerry features that simplify car ownership

Some Jerry users find that they’re already paying the lowest available rate for their current policy. Even if you don’t find insurance savings, the AllCar™ app’s other features make shopping through Jerry worth it for most drivers. 
  • PriceProtect™: If you purchase car insurance through Jerry—even if it’s identical to your current insurance—you’re eligible to
    refinance your auto loan
    through the app. 
  • DriveShield™: Jerry’s telematics program gives users instant access to discounts on products and services and allows you to track your driving habits. 
  • GarageGuard™: Get regular service and maintenance reminders, recall notices, and repair tips and estimates for your vehicle based on make, model, and age. 
Never miss out on savings: One more advantage of using Jerry to simplify your car ownership costs? By turning on the automatic reshop feature, you’ll get new quotes every six months so that you can switch when a new low rate becomes available. 

Pros and cons: who should use Jerry?

The short answer: Anyone can save on car insurance, earn safe driving rewards, or simplify their car ownership costs with the Jerry app. 
Pros
Cons
Consistent savings for most drivers
All quotes are estimates
Responsive, flexible customer service via text or phone
Tons of perks and features for car owners
Automatic notifications for vehicle recalls and insurance discounts
You should use Jerry if: 
  • You want to be sure you’re getting the best rate on car insurance 
  • You want to purchase car insurance without making any phone calls
  • You’re buying a new car and need quick coverage
  • You want to improve your driving to lower your insurance premiums
  • You’re unsatisfied with your current coverage level but don’t want to pay extra
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FAQs

Like other insurance brokers, Jerry earns money through commissions paid by insurance companies when users switch to their services through Jerry. These commissions allow Jerry to make money, but they don’t raise the cost of coverage—you’ll pay the same amount as you would if you bought a policy directly from the insurance company.
Online car insurance quotes obtained from a reputable company or broker are legitimate—but they’re only as accurate as the information they’re based on. Whenever you request quotes, make sure that the information you provide is as accurate and comprehensive as possible. 
Remember that all insurance quotes are estimates and can differ from the final price of a policy.
No. There are never any charges or subscription fees for using Jerry to find auto insurance quotes, compare auto refinance offers, track your driving habits, or get repair and maintenance tips.
Yes! Jerry’s customer service number is 1-833-445-3779. Customer service representatives are available seven days a week between the hours of 8 a.m. and 8:30 p.m. EST.
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