When I tried Jerry, I liked how tailored the options were. For example, it showed me several pay-per-mile options, like Mile Auto, likely because my total annual mileage is low due to working from home. This is something I often recommend to readers in similar situations who want to save.

There were two places where the tool fell short, however. I found that the options were sorted by the lowest premium. While that sounds ideal, the cheapest options were state minimum car insurance policies, which is the minimum amount of liability coverage you need to drive legally, based on your state laws. While it’s inexpensive, it could provide less coverage than you need to adequately protect yourself. After all, state laws don’t take into account your net worth or minimum underlying insurance requirements for an umbrella policy, or other nuances of your situation that should factor into how much car insurance you need.

Additionally, it didn’t show me policies from smaller, more local insurers available in my area, such as Erie or NJM. Most of the options Jerry suggested were national brands.

I wondered if smaller companies would be even cheaper if they were included on the platform. Jerry didn’t respond to several requests for information on which companies appeared on the platform.

To get started, you need to have an account with ChatGPT. But installing the app on the AI platform took just a click.

As I started chatting with the AI tool, I found it very open-ended. It didn’t tell me exactly what information I needed to put in and how to do it. At first, I floundered, unsure what it knew about me and what it still needed to know. In my initial trial, I only got a few bits of information that I already knew.

But I returned to it later and just tried giving it more information. It worked. The more it learned about me, the more useful its estimates and tips were. Finally, it started to prompt me to give me some ideas of what to tell it next, and my experience really took off.

While Jerry felt like getting any other online quote, I needed to treat Insurify’s prompt system more like talking to a real person. I had to keep giving details to keep getting information in return.

The more I kept chatting, the better the results. I liked that it explained the complicated jargon of car insurance in plain language — a huge plus for anyone who doesn’t write about auto insurance every day like I do.

In the end, I did end up receiving some estimates for monthly costs as well as what it suggested as a ranking of the best insurance companies for me based on all the information I’d shared. Insurify, too, suggested Mile Auto as a top pick for my situation.

I also liked its explanations on the various options I had. When I asked it to give me a price estimate for state minimum car insurance, it explained what that meant. Ultimately, it pointed me towards higher coverage limits, along with a rough estimate of how much that would cost.

Overall, Insurify’s ChatGPT app proved itself be a great way to learn about car insurance, and could certainly help you make more informed decisions, and ultimately, save money.

However, don’t expect that it replaces the entire shopping process for you — the tool felt very limited to ChatGPT. To get actual prices, I’d still need to complete the process of getting quotes from the insurers, or go back onto Insurify’s website to buy.