About Compare.com

By Derek Lakin
HighYa Staff Updated on: Nov 21, 2017

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 over 50 of the top insurance companies for the best premiums, including Met Life, Liberty Mutual, 21st Century, Mercury, Safeco, and more. On top of this, in selected states Compare.com offer renters insurance and bundle auto and homeowners insurance.

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.

They are an accredited website with an A+ rating from the Better Business Bureau, a Silver Seal of Approval from customer feedback company ekomi and have been deemed a secure site by GeoTrust.

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

Compare.com’s Quoting Process

Compare.com’s interface is user friendly with all major devices; you won’t have any problems getting a quote using your phone or tablet. To obtain a quote. 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), whether or not you own it and how long for, intended use and mileage.

It's also important to keep in mind that Users can call an adviser to complete the quote process if they need help.

In the next few screens, you’ll enter details about the drivers, including name, date of birth, address, gender, marital status, residential status, license status, age first licensed, major infractions (license suspensions, DUIs, etc.) level of education, employment status and membership to organizations such as the AAA.

In the insurance history section, you’ll enter your current carrier, annual premium, policy limits, time with carrier, when you need the insurance to start and details of any accidents, moving violations or claims in the last 5 years. You will also be asked whether any drivers on the policy require a financial responsibility document and if you would like to receive and sign documents electronically. Compare.com aims to find you the lowest rate possible and identifies discounts that help lower your price, for example, there are paperless discounts, good student discounts and organization membership discounts; these are highlighted to you.

Finally, after entering your email address you will be able to compare insurance packages ranging from State Minimum Coverage to Premium Coverage and select or customize the level you require. Not to worry if you don’t know the coverage you require because Compare.com will display the minimum legal requirement for your state and help you pick between the most common coverage options. The company will then contact their carriers to provide you with quotes within as little as 30 seconds, after which you will see the results page where you can compare your monthly payment amounts and choose whether to buy online or over the phone.

It is also worth noting that if you get stuck at any point you can call Compare.com, live chat with one of their agents or contact them on social media and they will help you complete your quote; you are also able to easily come back and retrieve an existing quote for an easy checkout.

Compare.com's Quote ScreenAn 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?

Compare.com is Not 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 solely 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. Meanwhile, Compare.com collects your information to share with insurers who provide real quotes which you can click or call to buy instantly, saving you time and money.

The next section gives more detail on how Compare.com is different to the lead generation companies.

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.

Related: The Pros and Cons of Using Auto Insurance Comparison Sites

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 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.

Does Compare.com Affect The Rates You Receive?

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 your quotes relates to the carrier, not Compare.com.

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.

So, can Compare.com help me compare auto insurance rates between different companies, without having to worry about hard selling tactics? Yes, we certainly think Compare.com is 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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19 Consumer Reviews for Compare.com

Average Consumer Rating: 4.2
Rating Snapshot:
5 star: 15 4 star: 0 3 star: 0 2 star: 0 1 star:  4
Bottom Line: 79% would recommend it to a friend
Showing 1-11 of 19
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  • They are good fast and easy to use.

    • Fresno, CA,
    • Nov 15, 2017
    • Verified Reviewer

    I was able to get up to ten quotes in less than five minutes, and it was simple. They are able to help anyone find great policy rates even with no prior insurance history. I recommend trying this service. Thanks.

    Bottom Line: Yes, I would recommend this to a friend

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  • Car insurance company

    • Texas,
    • Nov 5, 2017
    • Verified Reviewer

    Compare.com helped me a lot to search insurance companies. It compared more than 9 insurance companies and gave me their offers along with the contact details and working hours of the companies. Surely, I would not have been able in such a short time to get 9 quotations had I done the search myself, let alone finding 9 companies among the many. Therefore, Comapre.com saved time, which is money.

    Thanks to Comapre.com I found the best offer, which I am going to proceed with insuring my car.

    Bottom Line: Yes, I would recommend this to a friend

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  • Insurance quotes fast

    The use of Compare.com was fast and easy to get auto insurance quotes. Even better, I was able to view the cheap renter's insurance policies as well! I cannot believe for years I have called company after company to get quotes only to be on the phone on hold or never to be called back, and this site is simple to use and works fast at gathering your information and quotes.

    I will never call an insurance company for a quote again! Thank you Compare.com!

    Bottom Line: Yes, I would recommend this to a friend

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  • Wonderful

    Quick quotes and very affordable plans with various companies. I would definitely recommend them to other customers. They save time and get your quotes for you then decide which company and which plan works best for you and your family.

    Bottom Line: Yes, I would recommend this to a friend

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  • Insurance quotes

    • Nicholasville, KY,
    • Oct 31, 2017
    • Verified Reviewer

    They go through a lot of different insurance companies to get you the best and the cheapest quotes that they can find, and for someone like me who is on a fixed income, that helps out a lot.

    Bottom Line: Yes, I would recommend this to a friend

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  • They found me some really good quotes on auto insurance.

    I was in the need of me some cheap auto insurance, and they ask me if I wanted to look at me some quotes, so that's what I did. Now I am glad that I didn't give up. They found me some really good! Deals I was amazed on just how cheap it really was by having them help me out on finding me those good deals. Come next month I will be getting back in touch with them again so that I can buy me some auto insurance before I do get in a great big ole mess. Thanks for your time.

    Bottom Line: Yes, I would recommend this to a friend

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  • Very good

    It was very helpful; great information and a great way to find the best and lowest prices out there. And I would recommend this to all my friends and people I work with. So many different choices.

    Bottom Line: Yes, I would recommend this to a friend

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  • Awesome

    It is easy and fantastic. I enjoyed it very much. I would recommend it to everyone, including family and friends. I also love that it compares with the top companies.

    Bottom Line: Yes, I would recommend this to a friend

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  • 1 out 1 people found this review helpful

    Compare.com - no hassle and speedy fast

    This was a hassle-free website with quick results. I was rather impressed. I usually do not waste my time with sites like this. I can manipulate the search engines myself with keywords and phrases. Compare.co has a database solely of insurances that cuts right through to your particular need.

    Bottom Line: Yes, I would recommend this to a friend

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  • 1 out 1 people found this review helpful

    Looking for automobile insurance

    • Augusta, GA,
    • Oct 4, 2017
    • Verified Reviewer

    This is the easiest online quote I've ever complete and they gave several different companies, not many businesses will do that. I'm looking forward to doing business with them and plan on changing my auto insurance and checking out their renter's insurance also.

    Bottom Line: Yes, I would recommend this to a friend

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  • 1 out 1 people found this review helpful

    Awesome!

    I was extremely pleased with how this company helped me find auto insurance. It took 90% of the hassle out of it! I just answered a few simple questions and got a list of company's. No telemarketers trying to sell anything to you. You call them if you're happy with your quote, it's that simple. It's awesome!

    Thanks again.

    Bottom Line: Yes, I would recommend this to a friend

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