Step 1 of 4
Analyze your insurance needs
Tell us what you drive, where you live and who depends on you. We map the risks worth covering and point out the ones you can skip.
Better rates,
easy as Cha Cha Cha.
We are not tied to one insurer. We shop dozens of them and explain the differences in plain English.
What do you need covered?
Pick a cover and watch it move in under the roof.
On your side of the table
Most agents work for one insurance company. We work for you. We compare dozens of carriers side by side, translate the fine print into plain English, and stay with you long after the policy starts.
Most people come to us for one policy and end up moving two or three across. Not because we push, but because the numbers usually make sense.
Eleven kinds of cover, one agency to call.
From your first car to your growing business. Pick a cover to see what it does.
Vehicle
What you drive and ride
Liability, collision, comprehensive and more for the car you drive every day.
Home & property
Where you live and what is in it
Life & health
You and your family
Liability & business
Extra protection and commercial cover
Auto insurance
Liability, collision, comprehensive and more for the car you drive every day.
Pick your mix
Choose the covers you need. We bundle them.
Tap only the covers you want and watch the roof stretch to fit them. Each one stays its own policy, and putting two or more together often unlocks a multi-policy discount.
2 policies under one roof. One agent, one number to call.
Quote my bundleAdd to your roof
How ChaCha works
Four steps. One easy rhythm.
You tell us what matters. We do the legwork across the market, then keep an eye on things after you sign.
Step 2 of 4
Shop for your quote
We take your details to dozens of carriers and line the offers up side by side, so you see price and coverage together.
Step 3 of 4
Put your policy into place
Pick the option that fits. We handle the paperwork with the carrier and make sure your cover starts the day it should.
Step 4 of 4
Review and follow up
Life changes and so do rates. We check in at renewal and shop again whenever there is a better deal to be had.
Life moves. Your cover should too.
Whatever just changed, we have a cover for it.
You just bought a car
New keys, new questions. We compare liability, collision and comprehensive so you drive off covered.
- Auto
- Umbrella
Moving into your first place
Your landlord insures the building. Renters cover protects everything you carried up the stairs.
- Renters
Buying a home
We line up home cover your lender will accept, and check whether flood cover belongs in the plan.
- Homeowners
- Flood
Getting married
Two cars, two policies, one household. Combining them is often where the savings show up.
- Auto
- Homeowners
- Life
Welcoming a baby
Someone new depends on you. We explain term, whole and universal life in plain words.
- Life
- Health
Starting a business
Property, liability, commercial auto and workers' comp, matched to the business you are actually building.
- Business
- Umbrella
A summer on the water
Cover for your boat, motor, trailer and the friends you bring along.
- Boat
Your renewal just went up
Do not just pay it. Send us the notice and we will shop the market again.
- Any policy
Why ChaCha
Four good reasons to let us do the shopping.
Our customer-comes-first approach
Trained staff who pick up the phone and stay with you from the first quote through every claim.
Expert advice at your fingertips
We use years of industry know-how to shape a plan around your life, not a one-size policy.
The best coverage and price
We are not tied to one national or direct-sell insurer, so we can go wherever the value is. That also means faster processing.
A stress-free experience
Hassle-free claims support and carriers we trust, so the hard days feel a little lighter.
Independent vs captive
Not tied to any one insurance company.
A captive agent can only sell the policies of the company that employs them. We can go anywhere. Flip the switch to see what that changes.
You never pay us a fee. The insurer you choose pays our commission, and buying through us costs no more than going direct.
- Insurers to choose from
- One company's policies
- Who the agent works for
- The insurer they represent
- When your renewal price jumps
- Same company, same options
- Bundling home, auto and more
- Only inside one company
- When you file a claim
- You are on your own with the insurer
Questions people ask before they switch.
Still unsure? A five minute call usually clears it up.
Already a client? You can request service online.
We are not an insurance company. We are an independent agency, which means we compare policies from dozens of insurers for you. A captive agent can only sell the policies of the one company they work for.
Ways to pay less, written plainly.
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Let ChaCha do the shopping.
Free, no obligation, and no pressure to switch. Quotes move faster over the phone.
