About Compare.com

After entering your information just once, Compare.com makes it easy for you to find out if you’re paying too much for car insurance and help you find a lower rate. And all of this happens without having to worry about spam or unwanted phone calls!

How? Compare.com searches dozens of top insurance companies for the best premiums, including Liberty Mutual, 21st Century, Mercury, Safeco, and more. On top of this, you’ll be able to search for health, life, home, small business, and travel insurance, and even compare mobile plans, auto loans, and auto extended warranties.

Despite all the promises made by a lot of these comparison sites, most customers seem to think they come up short, not to mention being inundated with sales calls and emails after handing over their information. Is there anything different about Compare.com, or are they the exception to the rule? We’ll help you find out.

To put things in motion, we’ll first look at how you can get a quote through Compare.com.

Compare.com’s Quoting Process

To obtain a quote through Compare.com, you’ll first need to enter your zip code on the home page. Next, you’ll enter your vehicle information (year, make, model, anti-theft features, etc.), whether or not you own it, and intended use.

In the next few screens, you’ll continue entering your name and contact information, gender, licensing status and age first licensed, level of education, employment status, major infractions (license suspensions, DUIs, etc.), and more. In the insurance history section, you’ll enter your current carrier, annual premium, and policy limits.

After entering your email address and choosing password (which allows you to save your quote and return later), a package level with be automatically selected based on your current policy’s coverage. Here, you’ll be able to select a different package if needed, or enter custom coverage amounts.

Finally (this probably shouldn’t take much longer than 5-7 minutes), Compare.com will display your results. Here, you’ll see the company and your estimated monthly payment amount.

Important note: In the upper left-hand corner of each section, Compare.com will indicate which coverage level these rates are based on (e.g. Gold, Silver, or Bronze). So remember that the rate you’re seeing might not be based on the coverage package you’re interested in.

From there, if you’re ready to buy, you can choose to do so directly through the carrier’s website, or over the phone.

An example of the results you’ll see after entering all your information on the Compare.com website.An example of the results you’ll see after entering all your information on the Compare.com website.

One thing that immediately struck us about Compare.com was that, compared to many of the other online comparison/lead generations sites we’ve reviewed, all your information carries over if you choose to complete your purchase online. In other words, you won’t have to fill everything out again.

This huge benefit (in our opinion) aside, how does Compare.com stack up against the competition?

Is Compare.com Just Another Lead Generation Website?

As we mentioned above, we’ve reviewed several popular auto insurance comparison websites in the past, including Provide-Savings, Get My Insurance, and US-Quote.com. And in most instances, we’ve found that customers aren’t too pleased. Why?

In a nutshell, it seems like these companies are only interested in getting ahold of your personal information and selling it to the highest bidder. Then, you’re constantly bombarded with sales calls and emails. But according to Compare.com, they never sell your information and abide by a Zero Spam policy. In fact, the company claims you’ll never be contacted by an agent unless you click on the ‘Buy Now’ link on the results page (see image above).

Is this what their customers are saying?

Here on HighYa, Compare.com had an average rating of 1.1 stars at the time of our research, based on 37 customer reviews. By and large, it seems these complaints referenced quotes that were higher than the current premium, as well as calls/emails soon after signing up (despite the company’s anti-spam policy). On the upside though, the company seems to quickly respond to any complaints.

Why does Compare.com’s business model differ so much from other auto insurance comparison sites?

Comparison Sites vs. Online Insurance Agencies

While we won’t bore you with the details, within the insurance comparison industry, there are two key players: lead generation companies and insurance agencies, each of which exist for very different reasons. Let’s quickly take a look.

Lead Generation Websites

As their name might lead you to believe, lead generation websites like those mentioned above exist only to gather information from a captive audience (e.g. someone actively looking for car insurance) and then sell this information (also known as a ‘lead’) to independent agents looking to sell you a policy.

With some less-than-stellar lead generation companies, they might also sell your information to just about anyone who asks, whether or not they have anything to do with insurance. In fact, they might sell your information to other marketing companies, who then re-sell you information again and again.

This does not appear to be how Compare.com does business.

Insurance Agencies

At its most basic, an independent insurance agency holds contracts with different insurance companies to sell their policies. And when a new customer comes to them them, the agency will send their information to several of these carriers in order to get them the best price. In return for bringing business to the company, the agency will receive a commission or percentage of the sale.

Well, Compare.com is basically just a very large, well-known insurance agency based out of Virginia, who does the majority of their business online. But instead of speaking with an agent, their system will automatically sort through their list of carriers to get you the best price based on the information you entered.

In this way, Compare.com operates more closely to other online insurance agencies like The Zebra.

Can You Get a Better Rate with Compare.com?

Even if we set everything we’ve already discussed aside, this is a complex question. Again, we won’t go into too much detail, but there are a couple important things you should understand so that you can make a more informed decision.

Does Compare.com Have Any Effect On Your Rates?

First, Compare.com has no influence on your rates. They simply act as an independent third party who connects potential customers with insurance companies. That’s it. So if your quotes come back higher than your current premium, this relates to the carrier, not the agency.

In fact, assuming you entered the same information with the same carrier, you’d get the exact same quote through any other independent agency as you would with Compare.com.

Is Your Quote Really Accurate?

Second, even if some of your quotes come back lower than what you currently pay, this doesn’t mean they’re correct. Why? Because most insurance companies’ rating systems are multivariate, which means that there are thousands of different factors that can change your rate by the time you sign on the dotted line.

Obviously, this takes into consideration all the standard stuff like driver age, vehicle classification (e.g. sport, utility, farm, etc.), accidents and citations, etc. But it can also look at things you would never imagine could affect your premium, like quote date vs. policy effective date, credit score, date of birth (even changing it by just one day!), and thousands more data points.

Given these considerations, instead of asking how much you can save with Compare.com, a better question might be, “Can Compare.com help me compare auto insurance rates between different companies, without having to worry about hard selling tactics?” Although some HighYa readers claimed to have received spam soon after entering their information, we think Compare.com might be one of the better options out there.

Before you go, be sure to tell us about your Compare.com experience by writing a review below!

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39 Customer Reviews for Compare.com

Average Customer Rating: 1.1
Rating Snapshot:
5 stars: 0 4 stars: 1 3 stars: 0 2 stars: 0 1 stars: 38
Bottom Line: 8% would recommend it to a friend
Showing 1-11 of 39
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  • 3 out 3 people found this review helpful

    They Give Out Your Contact Info to Insurance Companies.

    • Apr 4, 2016

    Do not use this service. They will share your contact info with insurance companies. Soon after you make the comparison, you will be bombarded with emails from various insurance agents. That drone from Compare.com who keeps replying to reviews, saying that Compare.com does not share contact info, is lying. They give out your contact info to insurance companies, period.

    Bottom Line: No, I would not recommend this to a friend

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  • Spam site - not worth it.

    • Dallas, TX,
    • Feb 10, 2016

    All my quotes were MUCH higher than my current insurance, and I was spammed and telemarketed for months. Just call around to local agents, time consuming but better quotes.

    Bottom Line: No, I would not recommend this to a friend

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    • Feb 11, 2016

      Sara Woznicki, Marketing Specialist

      Hi, Russell. Thank you for trying our website, and we're sorry we couldn't help you save money, but we hope we at least reassured you that you are currently getting a good rate. We take our privacy policy very seriously, and never call or email our customers outside of our quote emails. If you could provide us more information on who is spamming you, we'd like to help. Please contact contactus@compare.com, and thank you again for trying our website.

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  • 1 out 2 people found this review helpful

    Bad service.

    I have spent the past 45 minutes providing all of my personal information yet I cannot get a quote. I'm a bit disappointed.

    Bottom Line: No, I would not recommend this to a friend

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    • Jan 8, 2016

      Sara Woznicki, Marketing Specialist

      Hi, Larry. It's Sara from compare.com We're sorry that you didn't get a quote. We'd love to be able to better understand the issues you ran into so that we can assist you and make improvements to our website. Please email us at contactus@compare.com and we'll be happy to help!

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  • 1 out 1 people found this review helpful

    Deception

    • Fremont, CA,
    • Dec 31, 2015

    The ad said they would give me great rates for solar, then dumped me into the Solar Contractor pool, so now I will be getting incessant phone calls. I never got a rate!

    Bottom Line: No, I would not recommend this to a friend

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    • Jan 8, 2016

      Sara Woznicki, Marketing Specialist

      Hi, William! I'm Sara with compare.com. Unfortunately, we don't sell or compare pool rates, so you might be in the wrong place. However, if you were comparing car insurance rates, then you might have been on our site. If so, please let us know how we can help you!

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  • 1 out 2 people found this review helpful

    Compare.com is Not Professional

    • Houston, TX,
    • Nov 6, 2015

    This company is not professional and needs to work on their business ethics. This is solely based on personal experience and opinion.

    Bottom Line: No, I would not recommend this to a friend

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    • Nov 9, 2015

      Sara Woznicki, Marketing Specialist

      Hi there. Thank you very much for trying compare.com, and we are unhappy to hear that you did not enjoy your experience. We'd like to improve, if you could please elaborate on which aspects of our website needs work. Our email is contactus@compare.com, and we really hope we can learn more about your troubles to help you and customers like you in the future. Again, thank you for trying out compare.com.

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  • 2 out 2 people found this review helpful

    Price compare

    • Valley Springs, CA,
    • Oct 9, 2015

    The lowest rate that I received for my vehicles was $155 per month. Outrageous. My current coverage is $750 per year. Guess who pays comparenow.com salaries. The insurance companies he is partnered with. Good luck.

    Bottom Line: No, I would not recommend this to a friend

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    • Oct 9, 2015

      Sara Woznicki, Marketing Specialist

      Hi, Tom. I'm Sara from compare.com. Thank you very much for trying out our website. I'm sorry that we couldn't get you a rate that beat your current price, but we are happy to have been able to confirm that you're currently getting a good deal.

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  • 1 out 1 people found this review helpful

    What a JOKE

    My wife and I are middle age, clean driving records, and have 3 vehicles. After jumping through their hoops, Compare.com came back with quotes ranging from TWICE what we currently pay all the way up to six times as much! They must get a huge kickback from anyone naive enough to trust their ridiculous search and buy through them. They are a complete waste of time and a joke. Stay away!

    Bottom Line: No, I would not recommend this to a friend

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    • Oct 9, 2015

      Sara Woznicki, Marketing Specialist

      Hi, Scott. I'm Sara with compare.com. Thank you very much for trying our website. I am sorry that we could not find you a rate that beat your current price, but I am happy we were able to confirm that you are currently getting a good deal.

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  • 2 out 2 people found this review helpful

    A comparison site?

    I tried compare.com and found the most frustrating thing about this site is you must give out all of your personal information, including your phone number, which will in turn be used against you. You will be bombarded with phone calls. This is supposedly a comparison site, you should not have to give out your phone number in order to get your quotes or in order to compare rates. That's what compare.com is supposed to be doing, helping you to do compare prices. Unfortunately you will not be able to do this until you give out your phone number.

    Bottom Line: No, I would not recommend this to a friend

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    • Oct 9, 2015

      Sara Woznicki

      Hi, Kimberly. I'm Sara with compare.com. Thank you very much for trying out our website and providing feedback. We take our privacy policy very seriously. We do not sell any personal information to any third party sources, and only selected insurance carriers may contact you. We hope you try compare.com again, and please keep in mind that the telephone field is optional if giving that away makes you uncomfortable. Thank you again for your feedback.

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  • 20 out 22 people found this review helpful

    Huge waste of time.

    • Palm Springs, CA,
    • Aug 5, 2015

    Don't waste your time with this ridiculous website! I have 30 years perfect driving record, never been in an accident.

    After spending over 15 minutes filling out the online questionnaire, I get a response from (5) unknown insurance agencies all stating they cannot provide a insurance quote.

    I think this is a site just to get your personal information.

    Bottom Line: No, I would not recommend this to a friend

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  • 19 out 20 people found this review helpful

    Waste of time

    • San Antonio, TX,
    • Aug 4, 2015

    I am saving $900.00-$1800.00 with my current insurance than the few they have quoted me. When ever I see there commercials I'm thinking your full of crap.  By the way I have a perfect driving record well over 30 years.​

    Bottom Line: No, I would not recommend this to a friend

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  • 2 out 3 people found this review helpful

    Personal Information Sharing

    • Jul 17, 2015

    After I wrote all our information down on the webpage, I got a few quotes and actually went with one if the offers. However, it is really annoying to me that ALL (somehow even if I don't enter my phone number) my information is passed on to insurance companies who call, send mail and emails.

    I got called by an insurance company that I did not even know and after I asked where they got my phone number from, they state from my quote.

    While I enjoy the possibility of seeing all possible quotes on one page, the way they are selling out personal information is absolutely mind blowing and should actually be illegal.

    Bottom Line: No, I would not recommend this to a friend

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    • Jul 20, 2015

      Sara Woznicki, Marketing Specialist

      Hi, Johanna. I'm Sara with compare.com. We're happy that you received a few quotes and decided to buy. However, we understand your concern for your privacy. We take our customer privacy policy extremely seriously, and do not sell any personal information. Because we want insurance companies that you are interested in to be able to speak with you, if you clicked the "Buy," button, they may have called you. Beyond that, no one else from our site will contact you. Perhaps in the process of searching for insurance, you used another site as well? We'd love to learn more about this experience if you would like to speak with someone from compare.com. Our email is contactus@compare.com. Thanks again for using our site.

    • Sep 21, 2015

      Scott

      Compare.com is a joke, in my opinion. My wife and I are middle age, have three vehicles, and clean driving records. After jumping through their hoops, the best rate quote was almost double from that of our current rate. And the worst rate given was six times what we currently pay. A complete waste of time.

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