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Why you can trust Simplfii
- We never sell your information — we can earn money by helping you find insurance
- We don’t pick favorites — our content is written and reviewed by an independent team of editors and licensed agents.
Table of contents
Written by
Larry T Wagner
Reviewed by
Sheri A Shaner
Updated on: February 10th 2026
What Is Simplfii?
Simplfii is an AI-powered auto insurance comparison platform that helps drivers compare real, bindable quotes from national insurance carriers and local agents in one place.
Unlike traditional insurance lead sites, Simplfii focuses on price transparency, quote accuracy, consumer choice, and savings, allowing users to see options based on coverage and cost—not commissions.
Simplfii connects drivers with:
- National auto insurance carriers
- Regional insurers
- More than 45,000 licensed local agents
All through a single comparison experience designed to reduce guesswork and eliminate hidden incentives.
How Simplfii Compares Auto Insurance
Simplfii uses artificial intelligence and real-time data to match drivers with insurers that fit their specific profile, location, and coverage needs.
The comparison process includes:
- Vehicle and driver data
- State-specific coverage requirements
- Carrier underwriting rules
- Real pricing inputs from insurers and agents
This approach allows Simplfii to surface actual quotes, rather than broad estimates or ranges.
Drivers can compare:
- Monthly and annual premiums
- Coverage limits and deductibles
- Carrier reputation and support options
- Availability of local agent assistance
How Simplfii Is Different From Other Comparison Sites
Many auto insurance comparison websites operate as lead-resale platforms, where insurers or agents pay for placement or priority.
Simplfii is structured differently.
Key differences include:
- No ranking based on commission size
- No pay-to-win placement
- No preference for a single carrier or partner
Instead, Simplfii emphasizes:
- Price competitiveness
- Coverage flexibility
- Quote accuracy
- Consumer relevance
This design helps drivers make decisions based on value, not marketing incentives.
Does Simplfii Rank Insurers by Commission?
No.
Simplfii does not rank or promote insurers based on how much they pay per lead or per policy. Insurance options are displayed based on relevance to the driver’s profile and available pricing—not partner spend.
This is a core principle of the platform and a key reason Simplfii focuses on transparency over volume.
How Simplfii Uses AI in Auto Insurance
Simplfii uses AI to improve accuracy and efficiency throughout the comparison process, including:
- Matching drivers with insurers more likely to offer competitive pricing
- Reducing incomplete or inaccurate quotes
- Adapting recommendations based on real-time market data
The goal is not automation for its own sake, but better outcomes for consumers—fewer surprises, clearer pricing, and more relevant options.
Is Simplfii a Broker or an Insurance Company?
No.
Simplfii is not an insurance company and does not underwrite policies. It is also not a captive broker.
Simplfii operates as an independent comparison platform that connects consumers with licensed insurance carriers and agents, allowing drivers to choose how—and with whom—they want to move forward.
Who Should Use Simplfii?
Simplfii is designed for drivers who:
- Want to compare multiple insurance options in one place
- Value transparent pricing and real quotes
- Prefer choice between direct carriers and local agents
- Want a neutral comparison experience