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Pretected has online insurance comparison tools for car insurance, life insurance, health insurance, and home insurance. Its sophisticated algorithm shows users only tailored auto insurance policies that suit their needs and driving habits. Unlike some other car insurance marketplaces, Pretected doesn’t waste its users’ time with vehicle coverage that doesn’t suit their particular situation.
Pros and Cons
Like other vehicle insurance comparison tools, Pretected helps its users get rates from multiple insurers just by filling out one form. The main reason to choose Pretected is for its algorithm, which scours each users’ individual information and driving history to find the policies that best suit them. The user provides information about themselves, their driving record, and their vehicle, and Pretected inspects all the different data points to find the most suitable policies for the user’s personal situation.
One thing to be aware of when using Pretected is that it isn’t a direct insurance provider. Like other vehicle insurance marketplaces, Pretected exists to connect users with insurers but doesn’t actually underwrite policies. Some users may see this as an issue, but the truth is the marketplace model saves you time and energy because it lets you apply to multiple insurers with one form instead of going to each one separately.
{"":"Aside from the above, the main downside to this service is the lack of transparency. Pretected isn’t open about who is behind their service. Pretected says it is committed to using your personal data in a responsible manner, but the lack of information about who owns and operates the website may bother some users."}
Types of Auto Insurance
Pretected partners with numerous car insurance companies to help its users find the best deals. Its partners offer all the standard types of vehicle coverage, encompassing minimum state requirements and more.
Here’s what Pretected’s partners offer:
  • Bodily Injury Liability. Pays for all charges related to bodily injuries suffered by other drivers when you are at fault.
  • Property Damage Liability. Pays for all charges related to damage of another person’s property when you are at fault.
  • Collision. Pays for repairs to your vehicle if it is damaged in a collision, no matter if you or another driver was at fault.
  • Comprehensive. Pays for repairs to your vehicle if it is damaged in a non-collision incident such as fire, flood, vandalism, theft, or hitting an animal.
  • Medical Payments (or personal injury protection). Pays for medical costs, rehabilitation costs, and in some cases lost wages for you and/or your passengers, no matter who was at fault.
  • Uninsured and Underinsured Motorist. Pays for all liabilities stemming from an accident with an uninsured or underinsured motorist.
Additional Features
Pretected’s website looks like just a search tool, but the truth is it’s more than that. It is also a gateway to many different types of car insurance add-ons, offering a variety of different insurance products through its many partners.
Here are some of the products offered by Pretected partners:
  • SR-22 Documentation: An SR-22 (or certificate of insurance) is a vehicle liability insurance document required by state DMVs for high-risk drivers such as those with recent accidents or DUIs. Many of Pretected’s partners specialize in SR-22 filings.
  • Roadside assistance. Most of Pretected’s partners work with expert third-party services that help policy holders with important thing like tire replacement, battery jump-start, fuel delivery, and locksmith.
  • Gap coverage. This is a type of add-ons that covers the difference (or “gap”) between your vehicle’s value and the remaining balance on your loan or lease if your car is damaged in an accident.
  • Rideshare coverage. Provides coverage for motorists who drive around for ride-transportation services such Uber, when on the clock.
How to Apply
The good news is it takes only 2-3 minutes to fill out a form and find the best rates from Pretected – and it’s completely free of charge. Like other auto insurance marketplaces, Pretected requires you to provide information about yourself and any other people on the application, plus information about your vehicle(s) and driving history. It also asks for things like primary purpose of vehicle (e.g. leisure, commute, business), annual mileage, whether your car is leased or owned, and your desired coverage level.
On the final page, you’ll be shown a list of 3-4 top insurers, with a few highlights of their respective policies. We tested the form and received recommendations for Esurance, Progressive, The Zebra, and Best Auto Insurance. If you like one of the recommended insurers, click the “Get Quote” button to be redirected to that company’s website where you will be given an opportunity to complete an application.
Filing a Claim
As mentioned above, Pretected doesn’t underwrite car insurance policies but it recommends companies that do. If you sign with one of its recommended insurance companies (e.g. Progressive), all claims then go through that insurer. Pretected’s partners typically let their customers file claims by phone, post, email, and mobile app. If you’re concerned about how to file a claim, make sure to ask your chosen insurer before signing the final documentation.
Contact Details
Pretected exists mainly to provide an online service, but the good news is it also has a contact number. Call or email Pretected during business hours to have their agents help you find a suitable car insurance provider in your state. The Pretected website also provides free information about car insurance in each state.
Phone: 884-225-7189 during regular business hours
  • Email: info@pretected.com
Pretected offers a no-frills car insurance comparison tool for drivers in all 50 states. Users won’t find much in the way of features at Pretected, but if you’re looking to get personalized rates quickly and easily – this is a good place to start. It takes only a couple of minutes to fill out the application form. At the end, you get 3-4 personalized suggestions to reputable car insurance providers.