Car insurance that finally makes sense.

Answer four short questions. CarBrainy prepares your auto insurance quote, then explains every line in plain words.

Your quote, step by step

5 quick steps

How many cars are we quoting?

Are you insured right now?

What should your quote focus on?

Where is the car parked overnight?

Your ZIP code shapes the price more than most people expect.

Where should we send your quote?

By clicking "Get My Quote", I provide my electronic signature and prior express written consent to be contacted by CarBrainy regarding my inquiry at the phone number and email address I provided, including through automated telephone dialing systems and prerecorded or artificial voice messages. Consent is not a condition of purchase. I may revoke consent at any time by replying STOP to any text or emailing [email protected]. Calls may be recorded for quality assurance.

  • $0 cost to you, no obligation
  • About 2 minutes, start to finish
  • Text messages are optional, always

How CarBrainy works

  1. You answer a few questions

    How many cars, whether you have a policy today, what matters most, and your ZIP. Nothing you need to dig out of a drawer.

  2. We prepare your quote

    CarBrainy uses your answers to put your auto insurance quote together and sends it to the email you give us.

  3. You read it without a dictionary

    Every coverage on your quote comes with a one-sentence explanation, so you know exactly what you would be paying for.

Six words on every quote, decoded

Keep this handy. It covers most of what an auto policy actually says.

Liability
Pays for damage or injuries you cause to other people. Most states require a minimum amount.
Collision
Repairs your own car after a crash with another vehicle or an object, no matter who caused it.
Comprehensive
Covers the non-crash surprises: theft, hail, a fallen branch, or a deer that came out of nowhere.
Deductible
The part of a claim you pay yourself before coverage kicks in. Higher deductible, lower premium.
Uninsured motorist
Protects you when the other driver has no insurance, or not enough of it, to cover what they caused.
Premium
The price of the policy itself, usually shown per month or per six-month term.

Fair questions

Is CarBrainy free?

Yes. Completely free. There is no cost to use CarBrainy and no obligation to purchase anything.

What happens after I submit?

CarBrainy prepares your auto insurance quote from your answers and sends it to your email. If you also opted in to account texts, you may get a short text about your quote's status.

Do I have to sign up for text messages?

No. Both text-message boxes are optional and unchecked. You can request your quote without either one.

Is CarBrainy an insurance company?

No. CarBrainy is not an insurance carrier, agency, or broker. Quotes and eligibility are subject to underwriting and approval.

How do I stop messages?

Reply STOP to any text, or email [email protected] and we will take care of it.

Two minutes. Four questions. One quote you can actually read.

Start my quote