The Zebra Price Tracking: How It Works

Understand how to set up auto insurance price tracking so you’ll never wonder if you could be paying less.

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By Susan Meyer
Updated January 5, 2026
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Susan Meyer

Senior Editorial Manager

Susan is a licensed insurance agent and has worked as a writer and editor for over 10 years across a number of industries. She has worked at The Zebr…

Credentials
  • Licensed Insurance Agent — Property and Casualty
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  1. Step 1: Get your initial rate
  2. Step 2: Get Alerts!
  3. Step 3: Check your rate history (optional)
  4. FAQs

Price tracking with The Zebra

If you’ve ever looked for flights with flexible dates or set an alert for when a new laptop or shoes dipped below a certain price, you’re probably familiar with the concept of price tracking. Did you know car insurance rates fluctuate, too? If you’re not looking, you won’t know if it’s the right time to buy. Once your policy info is submitted and we know your rate, The Zebra will automatically track rate hikes and price drops in monthly email alerts. 

With The Zebra, price tracking is simple:

  1. Get an insurance rate to compare.
  2. Get price tracking alerts.
  3. Check rate history in your account.
price tracking graph

An example of The Zebra's price tracking graph.

Step 1: Get an insurance rate to compare

First, you need a car insurance rate so you can compare other rates to it. You'll answer a some quick questions such as information about your vehicle,drivers, and coverage. Getting an initial rate only takes a few minutes! Then, we can track if prices for your car insurance go up or down. Ready to get started? Enter your ZIP code below!

Start tracking your rates in minutes and save!

No junk mail. No spam calls. Free quotes.

Step 2: Get price tracking alerts

Now that we know your rate, we’ll start price tracking for you automatically. Here’s what’s going on behind the scenes:

Based on the information you provided, either manually or through policy linking, we’ll find you the best insurance at the best price.

  • If you are currently insured: We will consider your current coverage and what you’re paying and look for options that offer comparative coverage at better prices. 
  • If you are not currently insured: We will search for competitive rates based on insurance price trends and what you recently told us about you and your vehicle.

You will get an email if we find an insurance carrier or carriers that can offer a competitive rate for your desired coverage. That email will allow you to log in to your TheZebra.com account where you can view the new rate, or simply check how prices have changed.

Even if we cannot find savings for you currently, you can still access this information at any time to see a bird’s eye view of rates we found for you.

Step 3: Check rate history in your account

Price tracking works continuously — no extra work needed from you! You can log in any time to see the rates we found. Either navigate to the top of this screen and click the login button or access the log-in screen here.

First, enter the email you used previously when you got a quote. Then, we will email you a log-in link. Clicking this link will take you to your account.

After you log in, you will see a visualization of the car insurance quotes we tracked for you so far. If you see a quote you like, click the point on the graph to see more details or move forward with the quote.

The Zebra's price tracking hub ipad screenshot

With The Zebra, you can see your rate trends and view savings — all in one place!

Need additional help?

If you have any questions or want additional assistance during the purchase process, you can also call The Zebra to speak to one of our licensed agents by clicking “Call an Agent” on the upper right corner of your dashboard.

Frequently asked questions: Price tracking

Here are some questions you may have about price tracking.

No, these rates are estimates, or RC1 rates, based on the information you provide. When it comes time to bind a policy, the insurance company will confirm all of your information and give you a final rate.

However, the more accurately you answer all the questions initially, the closer your RC1 rate will likely be to your final rate.

Yes, you need to get a quote from us before starting price tracking. We need this because we need to know where your rate starts. Then, we can tell you if the rates we track are higher or lower than that rate.

You don’t need a password to access your account. By using the email you used when you entered your information into The Zebra, you will be directed to your email for a link to log-in. Or, if you receive a price alert email or SMS, you can link directly from there.

Under “Ready, set, save!” you will see your current policy (if applicable) and your most recent quotes. Click “Continue” on any of these . Alternatively, you can click the “Call an agent” button to be connected to one of The Zebra’s insurance agents who can go through your best options.

Let’s say you got a quote from The Zebra previously or input a policy and to get rates, but now bought a new vehicle or moved to a new state.

You will need to go back to TheZebra.com and reenter your information for a new quote. We’ll remember these quote details are for you if you use the same email addresses as last time. If you don’t do this, we will be providing rates based on your old information.

When you shop for a policy with The Zebra, you will automatically be enrolled in price tracking.

If for whatever reason, you don’t want to see price tracking email alerts, you can update your email preferences or unsubscribe at any time. If you don’t want prices to be tracked for you at all, when you input your information and get quotes from The Zebra you will see a link asking if you want to opt out of price tracking.