Compare.com Review: 6 Things to Know Before Getting a Quote

|
Screenshot of Compare.com
Image Credit: Compare.com

Compare.com says it lets you compare quotes from 60+ car insurance carriers to see who offers you the best deal. I decided to put that claim to the test in this Compare.com review.

For this article, I went and got quotes for my vehicle on Compare.com and went through the whole process of shopping online with them. You can see the prices I was quoted here or read about my full shopping adventure below!

Compare.com Review: Here’s What You Need to Know

Money expert Clark Howard has long suggested working with an insurance broker who can shop you around to multiple insurance companies to find the best rate.

While Compare.com isn’t exactly an insurance broker, it does offer an easy option that grants you the flexibility of comparison pricing.

But Clark says you need to understand what you’re getting into before you sign up for a free quote with Compare.com.

“Comparison shopping websites are really just lead generation services,” Clark says. “There’s really no substitute for shopping individually with different insurers by calling them all.”

That said, we’re going to show you how to get quotes from Compare.com without all of the annoying sales calls.

We’ll take a look at how Compare.com works in this review, what companies you can get quotes from, how the price quotes stack up and more.

Table of Contents

  1. How Does Compare.com Work?
  2. Where Is Compare.com Available?
  3. Which Insurance Companies Work With Compare.com?
  4. What Kinds of Insurance Can You Get Quotes For?
  5. How Does the Quote Process Work on Compare.com?
  6. How Are the Prices on Compare.com?

1. How Does Compare.com Work?

Compare.com is a website that lets you enter some basic info about yourself, your vehicle and your driving history to quickly get a variety of quotes.

It only took five minutes to input my info. Once the Compare.com system starts crunching numbers, you get your quotes within 30 seconds.

To get started, here’s the basic info you’ll need to enter:

Advertisement
  • Your zip code
  • The year, make, model and trim of your vehicle(s)
  • Whether you own or lease your vehicle(s)
  • How many years you have had the vehicle(s)
  • If you have anti-theft features like OnStar, Vehicle Recovery Device or Automatic Disabling

Compare.com asking for info about a potential car insurance customer

After that, you’ll be asked about the following:

  • Your car’s primary use: Commuting, personal, business, farming, etc
  • Estimated annual mileage
  • If you park this car at your home address

Next up are basic identity questions, questions about your education & employment and your military status, if applicable. You also have to give your street address and info about when you were licensed to drive and your driving history.

Finally, you’ll have to answer questions about your current insurance status, current insurance company, how long you’ve been a customer and what bodily injury limits you have on your current policy.

In order to get my quotes, I was asked for my phone number and email address.

But per Compare.com’s terms of service, “You are not required to provide your phone number to receive a quote or use our services.”

Take advantage of this policy and skip the annoying sales calls.

2. Where Is Compare.com Available?

Compare.com is a licensed insurance agency in all U.S. states and Washington, D.C.

You can find state licensing info here.

3. Which Insurance Companies Work With Compare.com?

Compare.com works with more than five dozen different insurance partners to quote you:

Advertisement
  1. 21st Century Insurance
  2. Acceptance
  3. Acuity
  4. American Alliance
  5. Amica Mutual Insurance
  6. Anchor General
  7. Arrowhead General Insurance Agency
  8. Aspire General Insurance
  9. Auto Agency Plus
  10. Auto Insurance America
  11. Bristol West Insurance
  12. California Casualty
  13. Clearcover
  14. Commonwealth Casualty
  15. Connect
  16. Dairyland Insurance
  17. Dillo
  18. Direct Auto
  19. Elephant Auto Insurance
  20. Empower
  21. Encompass Insurance
  22. Esurance
  23. First American Insurance
  24. First Chicago
  25. Freedom National
  26. GAINSCO
  27. GoAutoInsurance
  28. Good2go
  29. Hallmark Specialty
  30. Home State County Mutual
  31. Horace Mann
  32. Infinity Auto Insurance
  33. Jupiter Auto Insurance
  34. Kemper Specialty
  35. Liberty Mutual
  36. LoneStar MGA
  37. MAPFRE
  38. Mercury
  39. MetLife Auto & Home
  40. Metromile
  41. National General
  42. Nationwide
  43. NYCM Insurance
  44. Occidental
  45. Ohio Mutual Auto
  46. Plymouth Rock
  47. Pronto Auto Insurance
  48. Quincy Mutual
  49. SafeAuto
  50. Safeco Insurance
  51. Say Insurance
  52. SECURA
  53. State Auto
  54. Stillwater
  55. Sun Coast
  56. The General
  57. Topa
  58. Tower Hill
  59. Travelers
  60. TSC Direct
  61. United Security
  62. USAA
  63. Verti
  64. Workmen’s

Not every insurer on this list quotes policies in all areas of the country. Some are state-specific. For example, TSC Direct only writes policies in select parts of the New York metro area.

So don’t worry — you won’t be bombarded with 60+ quotes when you shop with Compare.com! In fact, in my independent test I was only served five quotes.

4. What Kinds of Insurance Can You Get Quotes For?

When I began my Compare.com review on the website’s homepage, I immediately thought Compare only quotes for auto policies.

However, if you dig a little deeper in the footer of the page, it turns out you can actually get quotes for five different kinds of policies in total:

  • Auto insurance
  • Commercial auto insurance*
  • Health insurance**
  • Home insurance
  • Motorcycle insurance

* Only MetLife Auto & Home LinkSM commercial auto policies are available.

** Compare.com works with eHealth Insurance to find you multiple health insurance rates.

5. How Does the Quote Process Work on Compare.com?

After entering basic info about yourself and your vehicle(s), you’ll be asked to select a level of coverage from four choices before you get your quotes:

Compare.com offers four levels of auto insurance coverage to choose from: State Minimum, Basic Coverage, Plus Coverage and Premium Coverage

I got quotes for a 2020 Toyota Corolla in Atlanta, Georgia and was offered the following standardized levels of coverage:

State Minimum

Advertisement
  • Bodily Injury/Property Damage: $25,000 / $50,000 / $25,000
  • Uninsured Motorist Bodily Injury: $25,000 / $50,000
  • Medical Payments: No coverage
  • Comprehensive: $1,000 deductible
  • Collision: $1,000 deductible
  • Rental: No coverage
  • Towing: No coverage
  • Uninsured Motorist Property Damage: $25,000

Basic Coverage

  • Bodily Injury/Property Damage: $25,000 / $50,000 / $25,000
  • Uninsured Motorist Bodily Injury: $25,000 / $50,000
  • Medical Payments: No coverage
  • Comprehensive: $1,000 deductible
  • Collision: $1,000 deductible
  • Rental: No coverage
  • Towing: No coverage
  • Uninsured Motorist Property Damage: $25,000

Plus Coverage

  • Bodily Injury/Property Damage: $50,000 / $100,000 / $50,000
  • Uninsured Motorist Bodily Injury: $50,000 / $100,000
  • Medical Payments: $2,000
  • Comprehensive: $500 deductible
  • Collision: $500 deductible
  • Rental: Included
  • Towing: Included
  • Uninsured Motorist Property Damage: $50,000

Premium Coverage

  • Bodily Injury/Property Damage: $100,000 / $300,000 / $100,000
  • Uninsured Motorist Bodily Injury: $100,000 / $300,000
  • Medical Payments: $5,000
  • Comprehensive: $500 deductible
  • Collision: $500 deductible
  • Rental: Included
  • Towing: Included
  • Uninsured Motorist Property Damage: $100,000

That’s something I didn’t like about Compare.com: If you want to customize your coverage — say, bumping up your deductible from $500 to $1,000 on the Premium Coverage package — you can’t do it in the Compare.com interface.

Instead, if you want to tweak a policy, you must get in touch with the individual insurers that Compare.com quotes you with and get your final quote from each one.

That means Compare.com is good to get a general sense of the price for a cookie cutter policy, but not if you want to customize your policy on a more granular level.

6. How Are the Prices on Compare.com?

Here’s where the rubber really meets the road in my Compare.com review! I pulled Premium Coverage quotes for a 44-year-old male with a master’s degree, excellent credit and one speeding ticket, driving a 2020 Toyota Corolla in Atlanta, Georgia.

CompanyPremiumTerm
Amica Mutual $1,456 / $243 a month 6 months
Mercury Insurance$1,606 / $268 a month 6 months
Acceptance Insurance$2,478 / $413 a month6 months
Liberty Mutual* $4,412 / $368 a month12 months
Safeco Insurance**$4,723 / $394 a month12 months

* This rate does not include Liberty Mutual’s Online Purchase Discount up to 13%

I like that Amica Mutual — one of Clark Howard’s favorite auto insurers — showed up at the top of the list. They’re a quality company with a great reputation.

But how are the prices Compare.com found for me personally? When you compare their quotes to my current policy, I’m probably better off staying where I am:

Advertisement
  • My current insurance company: $1,436 for 12-month policy with paid-in-full discount
  • Compare.com’s best quote for me: $2,912 for 12-month policy with paid-in-full discount

I may be an atypical customer because I shop my insurance every year to make sure I have the best deal. But if Compare.com can help you save money — especially with a quality company like Amica — I say go for it!

Final Thought

The results of my Compare.com review reveal that this site is a good basic starting point for you to shop your auto insurance coverage. The website is easy to use and the whole process takes less than 10 minutes.

However, I didn’t like that I couldn’t customize my quote — taking a higher deductible on a Premium Coverage policy, for example.

As I mentioned, I shop my insurance every year and know I have a good deal. In the end, Compare.com may be a tool best suited to people who rarely comparison-shop for insurance and who just want a quick and easy check-up.

Meanwhile, be sure to check out our list of the Best and Worst Auto Insurers before switching companies. It pays to be with an insurance company with a solid reputation so that you know they will be there when the chips are down.

More Insurance Stories on Clark.com:

Advertisement
  • Show Comments Hide Comments