Both companies operate very similarly by comparing quotes from multiple insurance companies after users have inputted pertinent information. Gabi and The Zebra both have in-house insurance agencies where licensed agents can sell policies directly to customers.  Neither Gabi nor The Zebra sells customer information, but Gabi does ask users for a phone number that they must verify with an authentication code in order to continue in the quote process. The Zebra does not ask for a phone number. Gabi offers more insurance products than The Zebra does, but only auto and home are available to quote and purchase online. The Zebra results page yielded more quotes than Gabi's did in our test.