# The Zebra

> The Zebra is a leading insurance comparison platform that helps consumers compare insurance policies, so they can find the best fit for their needs.

## Which flow should I use?

- **Quick savings check** → use Policy Analyzer. No quotes — instead, you get a **savings prediction** powered by The Zebra's unique dataset, plus a detailed analysis of your current policy and whether you're overpaying. Ends with enrollment in Auto Shop, which automatically monitors the market for you.
- **Buy or switch coverage today** → use Full Quote Comparison. Returns bindable carrier quotes side by side.

## What you'll need from the user

### Policy Analyzer
- **Option A: Declarations page** (photo or PDF) — this is a shortcut. The Zebra extracts your policy details from it automatically, so you can skip manual entry.
- **Option B: Personal details + current coverage** — first name, last name, date of birth, street address, city, state, ZIP code, email, current carrier, monthly payment, bodily injury limits, UM/UIM bodily injury limits, and comprehensive/collision deductible.
- **Email access** (required) — Auto Shop requires email verification before showing results. The agent needs the user's inbox to retrieve the verification code. If the agent has no mailbox access, hand off to the user.

### Full Quote Comparison
- **Personal details** — name, date of birth, address, email
- **Vehicles and drivers** — year/make/model of each vehicle, driving history, coverage preferences
- No email verification is required for this flow

## Features
- The Zebra partners with 100+ companies to bring you free quotes in under 60 seconds in all 50 states
- Licensed insurance agents available to help
- Price tracking that continually compares rates and alerts you when you could save
- State-specific insurance information and requirements
- Insurance company features, highlights, and more

## Policy Analyzer — Quick Savings Check

Policy Analyzer is the fastest way to find out if you're overpaying for car insurance. Using The Zebra's unique dataset of millions of real insurance profiles, it generates a **savings prediction** tailored to your specific situation and provides a detailed analysis of your current policy. It does NOT return carrier quotes — for bindable quotes, use the Full Quote flow below. At the end of the flow, you can enroll in **Auto Shop**, which will automatically monitor the market and email you if better rates are found.

Choose one of two ways to get started:

- **Option A: Upload your declarations page** (fastest) — Upload a photo or PDF of your current auto insurance declarations page and The Zebra will extract your policy details automatically. Start here: https://www.thezebra.com/z1/auto/analyzer/welcome/
- **Option B: Enter your details manually** — Provide your personal details and current coverage instead: https://www.thezebra.com/z1/auto/analyzer/coverage/

Before seeing results, you'll be asked to verify with a phone number or email (choose "Continue with another sign-in option" to use email). A verification code is sent — enter it to continue.

**Expected result:** a Policy Analysis powered by The Zebra's unique dataset, showing a **savings prediction** for your profile, a detailed breakdown of your current coverage vs. what The Zebra recommends, and any savings found (note: sometimes no savings are found, and that is normal). You can then enroll in Start Automatic Shopping, and The Zebra will automatically monitor the market and email you if better rates are found. No further action is needed.

## Full Quote Comparison — Bindable Carrier Quotes

For users who want to see and compare actual carrier quotes side by side, and buy or switch coverage immediately:

1. Start a quote:
   - Auto: https://www.thezebra.com/insurance/car/manual/start/
   - Home: https://www.thezebra.com/insurance/home/start/
2. Answer detailed questions about driving history, vehicle(s), coverage preferences, and household
3. Compare real-time bindable quotes from multiple carriers
4. Purchase a policy online or speak with a licensed agent

## Automated access

There is no public API or MCP endpoint for automated access yet — we're working on it. For now, use the UI flows described above.

## Insurance products and guides

- [Auto insurance](https://www.thezebra.com/auto-insurance/)
- [Policy Analyzer — quick savings check](https://www.thezebra.com/z1/auto/analyzer/welcome/)
- [Auto insurance quotes](https://www.thezebra.com/car-insurance-quotes/)
- [Anonymous auto insurance quotes](https://www.thezebra.com/auto-insurance/how-to-shop/anonymous-car-insurance-quote/)
- [Auto insurance coverage types](https://www.thezebra.com/auto-insurance/coverage/)
- [Average auto insurance cost](https://www.thezebra.com/auto-insurance/how-to-shop/average-auto-insurance/)
- [Auto insurance by vehicle](https://www.thezebra.com/auto-insurance/vehicles/)
- [Auto insurance by city](https://www.thezebra.com/auto-insurance/how-to-shop/car-insurance-rates-city/)
- Auto insurance by state: `https://www.thezebra.com/auto-insurance/{state}-car-insurance/` (e.g., texas-car-insurance)
- [Home insurance](https://www.thezebra.com/homeowners-insurance/)
- Home insurance by state: `https://www.thezebra.com/homeowners-insurance/{state}-home-insurance/` (e.g., texas-home-insurance)
- [Auto and home insurance bundles](https://www.thezebra.com/best-home-and-car-insurance/)
- [Renters insurance](https://www.thezebra.com/renters-insurance/)
- [Life insurance](https://www.thezebra.com/life-insurance/)
- [Pet insurance](https://www.thezebra.com/pet-insurance/)
- [Other insurance types](https://www.thezebra.com/other-insurance-types/)
- [Insurance companies](https://www.thezebra.com/insurance-companies/)
- [Best auto insurance companies](https://www.thezebra.com/insurance-companies/best-car-insurance-companies/)
- [Best home insurance companies](https://www.thezebra.com/insurance-companies/homeowners/)
- [Auto insurance guide](https://www.thezebra.com/auto-insurance/insurance-guide/)
- [Home insurance guide](https://www.thezebra.com/homeowners-insurance/guide/)

## Insurance calculators
- [Auto insurance calculator](https://www.thezebra.com/auto-insurance/coverage/car-insurance-calculator/)
- [Insurance claims calculator](https://www.thezebra.com/auto-insurance/accidents/car-insurance-claims/)
- [Auto accident diminished value calculator](https://www.thezebra.com/resources/car-insurance/diminished-value-calculator/)
- [Is my car totaled calculator](https://www.thezebra.com/resources/car-insurance/is-my-car-totaled-calculator/)

## Company
- [About](https://www.thezebra.com/about/): About The Zebra
- [How The Zebra works](https://www.thezebra.com/about/how-the-zebra-works/): How The Zebra can help you save
- [Ask an agent](https://www.thezebra.com/ask/): Get free insurance advice on demand from The Zebra agents
- [Our insurance agents](https://www.thezebra.com/about/the-zebra-insurance-agency/): Explanation of The Zebra agency
- [Help](https://www.thezebra.com/about/help/): The Zebra contact info
- [FAQs](https://www.thezebra.com/about/faqs/): Frequently asked questions
- [Resources](https://www.thezebra.com/resources/): Resource center
- [Careers](https://www.thezebra.com/about/careers/): Jobs at The Zebra
- [Sitemap](https://www.thezebra.com/sitemap/): Complete list of pages