Auto insurance
Liability, collision, comprehensive and uninsured motorist coverage for the car you drive every day. We compare limits and deductibles, not just price.
How it works: Auto insuranceIndependent insurance agency
Better rates,
easy as Cha Cha Cha.
Shopping for insurance shouldn't mean calling five companies. We compare policies from the insurance companies we work with and help you choose coverage that fits your life and budget.
An insurance agent who works for you
A captive agent sells policies from one insurance company. As an independent insurance agency, ChaCha can review options from the insurance companies we work with, so you can see more than one price and more than one set of coverage terms side by side.
That matters because the cheapest quote isn't always the best deal. Two policies with the same premium can have very different limits, deductibles and exclusions. We point those differences out before you sign, so there are fewer surprises if you ever need to file a claim.
Many people start with one policy, like auto and later ask us to review their home or renters coverage too. Whether you move one policy or several is always your call.
Coverage for your car, home, family and business
Choose a category to see what each type of insurance does and when it's worth a look.
- Vehicles
- Vehicles
Boat insurance
Coverage for your boat, motor, trailer and liability on the water, priced for how and where you use it.
How it works: Boat insurance - Home and property
Homeowners insurance
Protection for your house, your belongings and your personal liability, usually in one policy.
How it works: Homeowners insurance - Home and property
Renters insurance
Your landlord insures the building. Renters insurance helps cover your belongings and your liability.
How it works: Renters insurance - Home and property
Condo insurance
An HO-6 policy that fills the space between your association's master policy and your unit.
How it works: Condo insurance - Home and property
Flood insurance
Most standard home policies exclude flood damage. Flood insurance is a separate policy built for it.
How it works: Flood insurance - Life, health and pets
Life insurance
Term, whole and universal life explained clearly, so you can pick the coverage amount and length that make sense.
How it works: Life insurance - Life, health and pets
Health insurance
Compare plan types, provider networks, deductibles and out-of-pocket costs together.
How it works: Health insurance - Life, health and pets
Pet insurance
Help paying eligible vet bills for accidents and illnesses, so cost isn't the only thing on your mind at the clinic.
How it works: Pet insurance - Liability and business
Umbrella insurance
Extra liability coverage that starts where your auto and home liability limits end.
How it works: Umbrella insurance - Liability and business
Business insurance
General liability, commercial property, commercial auto, workers' compensation and more for small businesses.
How it works: Business insurance
Vehicles
What you drive and ride
Home and property
Where you live and what you own
Life, health and pets
The people and animals who count on you
Liability and business
Extra protection and commercial coverage
Auto insurance
Liability, collision, comprehensive and uninsured motorist coverage for the car you drive every day. We compare limits and deductibles, not just price.
Pick your mix
Choose the policies you need. We bundle them.
Tap only the types of insurance 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.Tap a policy under the roof to take it off.
Add to your roof
How ChaCha works
Four steps from first question to final policy
You tell us what you need. We do the comparing, explain your options and stay available after your coverage starts.
Step 1 of 4
Tell us about your situation
Share what you want to insure, what coverage you have now and any deadline, like a closing date or a renewal notice. A few minutes of detail up front leads to quotes you can actually compare.
Step 2 of 4
Compare your quotes
We request quotes from the insurance companies we work with and line them up so you can see price, limits and deductibles together.
Step 3 of 4
Choose and apply
Pick the option that fits. We help with the application and the paperwork and we confirm when the insurance company has issued your coverage.
Step 4 of 4
Review when life changes
A new car, a new home, a new baby or a higher renewal price are all good reasons to check your coverage again. Reach out any time and we'll take another look.
Life moves. Your insurance should keep up.
Something just changed? Here's what to check.
You just bought a car
Before you drive off, make sure the new vehicle is on a policy with the right liability limits. If it's financed, your lender will likely require collision and comprehensive.
- Auto
- Umbrella
Moving into your first place
Your landlord's policy covers the building, not your stuff. Renters insurance is often inexpensive and many leases require it.
- Renters
Buying a home
Your lender will want proof of homeowners insurance before closing. It's also the right time to ask whether flood insurance belongs in your plan.
- Homeowners
- Flood
Getting married
Two cars, two policies, one household. Combining policies may lower costs, but compare before you cancel anything.
- Auto
- Homeowners
- Life
Welcoming a baby
Someone new depends on your income. This is when many families first look at life insurance and review their health plan.
- Life
- Health
Starting a business
Personal policies usually don't cover business activity. Liability, property and commercial auto coverage are worth a conversation early.
- Business
- Umbrella
A summer on the water
Your homeowners policy may offer little or no coverage for a boat. A boat policy can cover the hull, motor, trailer and liability.
- Boat
Your renewal just went up
Don't just pay it. Send us your renewal notice and declarations page and we'll compare it with other options.
- Any policy
Why ChaCha
Four reasons people let us do the shopping
You talk to a real person
Call, email or send a request online. A licensed agent explains your options and answers questions in plain language.
Advice that fits your situation
We ask about your home, your cars, your family and your budget before we suggest anything. No one-size-fits-all package.
More than one company to choose from
Because we're independent, we aren't tied to one insurer. That gives you more ways to balance price and coverage.
Help after the sale
Need to add a driver, update an address or understand your renewal? We're still here after your policy starts and we can help you understand the claims process with your insurance company.
Independent vs. captive
What working with an independent agency changes
A captive agent represents one insurance company. An independent agency like ChaCha can offer policies from different insurance companies. Both can give good advice. The difference is how many options you see.
- Insurance companies
- One company's policies
- Who the agent represents
- Usually one insurer
- When your renewal goes up
- Options within that company
- Bundling
- Within one company
- Claims decisions
- Made by the insurance company
Questions people ask before they switch
Still unsure? A short call usually clears things up.
Already a client? Contact us for help with an existing policy.
No. ChaCha is an independent insurance agency. We help you compare policies from insurance companies. The company that issues your policy sets the final price and handles claims. Our job is to find options that fit, explain the differences in plain English and help you apply. We're also here for policy changes and questions after your coverage starts.
You tell us what you want to insure. We gather quotes from the companies we work with, explain the differences and help you apply for the option you choose. After your policy starts, you can come back to us to add a car or a driver, update your address or review your coverage when your renewal price goes up.
Independent agencies are typically paid a commission by the insurance company when a policy is sold. You don't pay ChaCha a separate fee to get a quote or to compare options and there's no obligation to buy. The insurance company you choose sets the price of your policy. If you have questions about how we're paid, just ask.
Yes. You can also check any agent's license with your state insurance department.
Getting a quote is free and you aren't obligated to buy anything. Asking for a quote doesn't start or change any policy you have now. You can request one online or call us at 833-CHA-CHA5 and we'll explain your options before you decide whether to switch.
Not always. A lower price can come with lower limits, a higher deductible or more exclusions. We show you those differences so you can compare fairly. For example, two auto quotes can look alike until you notice one has only the state minimum liability limits or leaves out rental reimbursement. We line up limits, deductibles and key coverages side by side.
Your insurance company handles and pays claims. We can explain the steps, help you find the right contact and answer questions about your policy along the way. Report a claim to your insurance company as soon as you can, using the claims number on your policy or ID card. If you're not sure where to start, call us and we'll help you find it.
Often, yes. Many insurance companies offer a multi-policy discount for combining home and auto. Discounts depend on the company and your eligibility, so we compare bundled and separate options. Sometimes separate policies from different companies cost less overall, even after a bundle discount, so it's worth checking both before you decide.
Insurance tips in plain English
Read the blog
Auto Insurance10 min read
Wyoming Car Insurance Requirements: What State Law Says in 2026
Homeowners Insurance10 min read
Does Homeowners Insurance Cover Hail Damage? A Guide for Cheyenne and Wyoming Homeowners
Saving on Insurance10 min read
Is Bundling Home and Auto Insurance Worth It? How to Check Before You Switch
Insurance Basics10 min read
Independent Insurance Agent vs Captive Agent vs Buying Direct: Which Should You Use?
Let ChaCha do the shopping.
Free, no obligation and no pressure to switch. Tell us what you need and we'll take it from there.
