Frequently Asked Questions

Signing up with Jerry

What Jerry does with your current insurance info

12 questions

All about Jerry

How Jerry operates and what you can expect

20 questions

Car insurance

Common terms and situations explained

15 questions

Car insurance companies

How car insurance providers work

4 questions

Switching car insurance companies

Why you should comparison shop and switch providers

6 questions

Signing up with Jerry

Why do you need to know who I’m currently using as my insurance provider?

We need to know this so we can get the details on your existing policy.

Will you be the ones contacting my insurance company?

Yes. Jerry will be your personal agent and take care of all the complicated details that insurance agents handle so you don’t have the hassle.

Will contacting my current insurance provider cause any problems for me?

Absolutely not. Insurance companies work with licensed agents like Jerry all the time and respect that people are in control of their policies. There will be no negative side effects from Jerry contacting your insurance provider.

Why do you need to know about my home insurance?

Many people bundle their car insurance with their home insurance to save money. If you use the same provider for both car insurance and home insurance, Jerry will provide you with quotes for both. If you just have car insurance, Jerry will provide you with car insurance quotes only.

Will Jerry contact my home insurance provider?

Yes, Jerry will reach out to your provider to find out the details of your current policy. We’ll use that information to help us find the best coverage for you.

Are there any hidden fees?

Jerry is 100% free of charge. There are no brokerage fees and no surprise add-ons at the last minute. You won’t incur any costs whatsoever if you make us your agent.

Is Jerry a licensed insurance broker?

Yes, Jerry Financial and Insurance Services (license number 0L77682) is a fully-licensed insurance broker, registered in the state of California.

Do I have to switch insurance companies?

Absolutely not. If you don’t feel comfortable switching companies, simply delete our quotes from your inbox. You retain full control of your policy.

Can I change my mind later?

Of course. You don’t owe us anything! You are free to cancel with us at any time - we won’t hold it against you.

Why do you need my phone number?

Jerry will text quotes for better insurance to this number. We use text so you get this information quickly and easily.

Why do you need to verify my phone number?

We want to make sure we send quotes about your insurance to the correct phone number.

How do I know you won’t sell information about me?

Your personal information is kept completely private and no one can access any of your data. We would never release details about you - your trust in us means too much!

All about Jerry

Will Jerry bombard me with phone calls, texts, and letters?

Absolutely not. Unlike other companies who abuse your trust, Jerry respects your privacy and your time. Our mantra is to reduce hassle in your life - not create more!

Why does Jerry only need 3 pieces of information to get quotes for me?

There is enough information contained within those pieces of personal information for Jerry to gather the necessary data about the kind of car insurance you need. We want to make the process as simple for you to use as possible so we use comprehensive [systems] on our end to take the burden off you.

How many quotes will Jerry show me?

We’ll show you a range of quotes from different insurance companies. Usually it’s around 10 to 15.

How quickly will Jerry give me the results?

Jerry will text you as soon as there are quotes ready for you to consider. It usually take two to three days for us to have a full list for you.

How often will Jerry check rates after the initial quote?

We compare rates every six months.

Does Jerry gives quotes for motorbikes, mopeds, RVs, and other vehicles?

Not yet but we will soon.

What happens after Jerry gives me my quote(s)?

You choose from the options we present to you and let us know by [?]. We then cancel your existing insurance contract and set up your new one. We’ll send you the new insurance card that you can access from the App.

Is Jerry truly independent of all insurance companies?

Yes, Jerry is an independent agency. Jerry does not endorse one insurance provider over another; we find and present quotes for you to decide among.

Why do I have to give my signature?

Giving your electronic signature indicates that you agree to give us permission to be your agent so we can work on your behalf.

Does it really only take 30 seconds to sign up?

We’re not exaggerating. Typing in your name, email, and password takes half a minute - less time than texting a friend or re-heating a cup of coffee!

How do I contact Jerry with questions?

You can email us with any questions you have and we’ll respond within 24 hours. Our email address is

How does Jerry protect my data?

Your privacy is important to us. We keep all your personal data confidential and don’t share your information with anyone. We securely transfer and encrypt all data.

Will having Jerry shop for quotes affect my credit score?

No. Shopping for car insurance quotes does not have an impact on your credit score. Gathering quotes counts as a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, not matter how many quotes are obtained.

Is Jerry an insurance provider?

No, Jerry is your personal shopper who finds better and, often, cheaper insurance that works for you.

Who is Jerry?

Jerry is a personal agent who shops and negotiates better rates for you. Note that Jerry is a virtual agent, not a real person!

Where is Jerry located?

Jerry is headquartered in beautiful Palo Alto, California.

Does Jerry charge a broker fee?

No, Jerry does not charge you any money or fees whatsoever. There are no fees to pay now and we don’t try to get you to pay anything later, either.

How is Jerry different from other insurance agents?

Jerry does all the shopping and switching for you. Other agents help you find quotes but you still have to fill out pages of information and do all the complicated paperwork to switch providers. Jerry takes care of finding quotes, negotiating prices, cancelling your current provider, and setting up your new one - at no cost to you. We have a convenient App for storing all your quotes and your insurance card. Jerry is tech-enabled while the rest of the industry is still living in the paper and fax world!

Can I use Jerry if I don’t already have car insurance?

No, Jerry can only find you better insurance if you already have a policy with a car insurance company.

Can I use another broker while I’m using Jerry?

No, you can only have one insurance broker working on your behalf at any given time. Once you sign the terms of agreement with Jerry, you give us permission to find better insurance for you. During this time, no other broker can shop for you.

Car insurance

What is car insurance?

Car insurance is a financial safety net if anything happens to your car, you, or other people while you’re driving. Car insurance is essentially a contract between you and an insurance company that stipulates that you pay premiums on a regular basis and the company will pay for agreed upon losses. The amount of compensation you receive after an accident or other damage varies depending on your specific car insurance policy, your driving record, and your deductible.

Why do premiums increase over time?

Often, your insurance rate will go up, even when you have a clean driving record. The short answer to why car insurance companies hike their rates is because it’s an easy way for them to compensate for lost profits from other drivers. Rates are calculated using a complex model and take into account medical costs, repair costs, uninsured motorists, insurance fraud, and credit history.

How much does a typical driver overpay every year?

On average, people overpay by $368 on their car insurance every year. Even though people may be aware that they’re paying more than they should, shopping for a different insurance provider is often a time consuming, frustrating, and confusing experience.

What are the common types of coverage provided by car insurance companies?

Bodily Injury Liability Coverage: Bodily injury liability coverage pays for injuries or deaths to anyone other than the insured driver in an accident. This includes legal defense costs if the policyholder finds themselves the subject of a lawsuit in connection with an accident.

Comprehensive Coverage: Comprehensive coverage is coverage for your car that extends to damage done from an event other than a collision, most often in the form of damage from vandalism, theft, and inclement weather.

Collision Coverage: Collision coverage comes into play when your insured vehicle collides with another object or overturns. Collision coverage might also apply to a rental car or other non-owned vehicle.

Full Coverage: Full coverage usually refers to having more than just liability insurance on a vehicle. Though not a legitimate term, full coverage generally means that insurance policies also contain collision and comprehensive coverage.

Gap Insurance: Gap insurance is the same thing as Loan/Lease Payoff Coverage. It comes in handy if the insurance adjuster determines your vehicle as a total loss in an accident. As a result of depreciation in your car's value from the time you bought it, you might end up owing more on the car than you receive from the insurance company as a payout. Gap insurance makes up for this difference.

Liability Coverage: Liability coverage is the minimum coverage type in most states. Liability covers the other car or person involved in an accident, reimbursing them for any injuries or damages sustained, up to a certain listed amount.

Loan/Lease Payoff Coverage: Also called gap insurance, payoff coverage pays the difference between what you owe and the amount your car insurance pays when declaring your vehicle a total loss, or when it is stolen and not recovered.

Medical Payments (MedPay)/Personal Injury Protection Coverage: This is an optional insurance coverage that pays medical and funeral expenses considered reasonable and necessary. The injury or death must happen in conjunction with a car accident.

Personal Injury Protection Coverage: Personal Injury Protection (PIP) coverage represents the most basic coverage in states that utilize the no-fault insurance model. PIP coverage pays medical, hospital, and funeral expenses for all involved in a car accident, within specific limits.

Property Damage Liability Coverage: Insurance coverage that pays for damages to the property for others involved in an accident besides the driver. It also pays for court costs if you are sued for damages suffered in an accident.

Rental Reimbursement Coverage: Rental reimbursement coverage details the amount you can spend on a rental car if you lose the use of your vehicle due to an accident. A limited amount, this coverage usually goes along with comprehensive and collision coverage.

Roadside Assistance Coverage: This coverage pays for towing, jump-starts, locksmith services, and other services as a part of your car insurance policy.

Uninsured Motorist Coverage: Uninsured motorist coverage covers an accident if the other driver does not have insurance, up to a certain limit.

Underinsured Motorist Coverage: Underinsured motorist coverage provides supplemental insurance in instances where the other driver does not carry enough insurance to cover damage, injury, or death suffered in a car accident.

Uninsured/Underinsured Motorist Property Damage Coverage: Like uninsured and underinsured insurance for damage to persons, property damage insurance covers property damage in cases where the other driver does not have insurance or carries limited personal property coverage.

What are the common types of claims people file for?

Car accidents, cracked windshields, weather damage, vandalism and theft, and roadside breakdowns are the main reasons people file claims.

How much do rates increase after an accident?

Having a car accident can cause your premiums to spike because your insurance company could flag you as a risk. The dollar amount of this increase varies from provider to provider.

How can I compare car insurance quotes?

When considering switching car insurance companies and are in the process of gathering new quotes, make sure you research each company thoroughly. Look at as many companies as possible. Request quotes from each company using the exact same details so you can make a true comparison across all metrics. Consider the features, discounts, and extras that could save you money. Also be sure to ask friends and family members for referrals and tips.

If this sounds like too much effort, let Jerry find and compare car insurance companies to suit your specific needs so you don’t have to bother.

How do insurance companies assess my risk?

Driving history, accident history, ticket history, credit history, driving pattern, safety of your car, age, gender, and marital status all factor into how insurance companies assess your level of risk.

How do I find the lowest car insurance rate for me?

Determine if your coverage fits your needs. Quotes are often higher than necessary because you are being offered a plan that’s not suited to you and your family. Reach out to a number of car insurance companies and compare the quotes you are offered along with the details of each policy. Call different companies and, while speaking to a representative, be sure to mention that another company is offering you a lower price. Ask questions about special discounts that may apply to you.

If this sounds like too much effort, let Jerry find and compare car insurance companies to suit your specific needs so you don’t have to bother.

What does "full coverage" mean?

Full coverage car insurance usually contains many different options, including liability, collision, comprehensive, and MedPay or PIP coverage. While many car insurance companies offer full coverage, no such thing as a true “full coverage” plan exists.

What is a hardship license?

Hardship licenses allow you to drive legally if you’ve lost your license and qualify. They give limited driving privileges to someone without a valid driver’s license or with a suspended license. Whether or not you can get one depends on why you don’t have a clean driver’s license and why you need it.

What is an SR-22?

An SR-22 certifies that you meet your state's car insurance requirements. Drivers convicted of DUIs, have a lot of points on their driving record, or drive while uninsured must file an SR-22 before qualifying to re-apply for a license or get a suspended license reinstated.

Am I covered if I drive someone else's car?

In general, car insurance is attached to the car rather than the driver. When you drive someone else’s vehicle, you’re covered under the insurance associated with the vehicle rather than your own insurance, and your insurance acts as a backup to the insurer of the car. This means that you, as a driver of another person’s car, could be on the hook for liability and medical costs that accrue to you as a result of an accident if you are to blame. Also, if your friend’s comprehensive and collision coverage has hit its limit, you could be forced to pay for this as well.

If I rent a car, am I covered by my regular insurance?

Your specific policy will need to be consulted to make sure you are covered if you rent a car. Many policies do provide the same coverage for a rental car unless the car is being used for business purposes.

Does every state require car insurance?

Most (47) of the states require vehicles to have insurance coverage to be on the road, and all states require financial responsibility. This means that you need to prove that you’re able to pay if you cause damages to someone or to a car. The minimum required coverage in most states is bodily injury liability insurance, which covers at-fault injuries to someone else. Each state has different minimum requirements, however, and each state renews its laws every year. If you drive without insurance you may be fined or receive jail time, as well as have your driver’s license suspended or revoked.

Car insurance companies

How do insurance companies calculate quotes?

The state that you live in and the insurance provider that you choose both play a role in determining the quoted price. Your driving record, your age, how frequently you drive, and the type of car you own are also key factors.

Can car insurance companies drop you?

Your contract with your car insurance provider can be canceled or voided at any time, by your or by them. You can switch to another insurance company at any point - and so can they. The most common reasons a car insurance company might drop you are if you fail to pay your premiums, you lie or commit fraud on your application, or if your license is suspended or revoked (perhaps due to a DUI).

Can companies deny claims?

Yes, car insurance companies often deny claims made by policyholders. The most common reasons your claim may be denied include exaggerating or fabricating the details of an accident, filing a claim under coverage you don’t have, or failing to tell your provider of changes you made to your car before the accident occurred. Missed payments will also delay a claim being filed until you are paid up in full.

Can I get insured if I have a suspended license?

If you have a suspended or revoked driver’s license, most insurance companies will not enter into a contract with you. Some companies may work with you if you have a hardship license, which you can file for using the SR-22 form at your local DMV. The SR-22 guarantees insurance coverage for a limited period of time.

Switching car insurance companies

How often do people switch car insurance companies?

People switch car insurance all the time. It’s a common misconception that you can only switch when your current policy is up for renewal, but you can actually switch whenever you want.

What are the main reasons people switch car insurance?

The main reasons people switch car insurance are poor customer service experience, the price increased on an existing policy, a friend recommends a new company, coverage needs change, or you experience a major life event such as moving or getting married.

Why should I shop for new car insurance?

The car insurance industry is competitive and providers often offer great deals if you switch. Insurance companies frequently increase their rates - even if you’ve done nothing wrong - and if you switch you could save money. Comparison shopping is the only way you can be sure you’re not missing out on a better deal.

Do I have to wait until my policy is about to renew before I can switch companies?

You can switch insurance at any time (not just at time of renewal).

How much will I save if I switch companies?

The average yearly amount of money saved by switching insurance companies is $368. This number could be less - or it could be more!

Do I have to wait until my current insurance policy is up for renewal before I can switch?

No, you don’t need to wait until you receive a renewal notice from your current provider. You can comparison shop for a better rate whenever you want, and cancel your existing insurance whenever you want.
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