The bottom line: Policygenius is a good free insurance marketplace choice, provided you're comfortable communicating online and having a third party cull down your options. Can find a lower rate from an insurer Policygenius doesn't partner with.Are shopping for permanent life insurance or homeowners insurance, since these policies require extra consideration.Want to buy insurance directly from the insurer.Would like to learn more in-depth about different types of insurance.Want to chat online or over the phone with a human representative.Prefer a free option to shop for insurance.Want to compare multiple insurance options.