Home Reviews Articles About Us Privacy Policy Terms of use Partner With Us
Compare.com is a free online platform that allows users to compare and purchase policies from more than 50 of the best auto insurance companies in the United States. It serves users in all 50 states and DC and displays the best rates and policies depending on the user’s location, vehicle, and other personal details.
Pros and Cons
The most obvious benefit to using Compare.com is that it allows you to compare dozens of car insurance providers with just one quick online form. With Compare.com, there’s no longer any need to leave your house or spend more than 5 minutes of your valuable time in order to find the best car insurance provider and policies. Unlike some other insurance marketplaces, Compare.com won’t share your contact details with dozens of agents. Instead, it lets you decide which policy you like best – and redirects you straight to your chosen insurance provider to complete the application.
There aren’t any obvious downsides to Compare.com’s free service but it’s important to be aware that Compare.com doesn’t directly provide any insurance products. You’ll start the process on the Compare.com website but finish it with your chosen insurance company.
Types of Auto Insurance
Compare.com can set you up with companies offering the following types of car insurance coverage:

Collision coverage. Covers expenses for vehicle damage or destruction, regardless of who was at fault.
Comprehensive coverage. Covers expenses for damages not related to vehicle collisions, such as theft, vandalism, and weather events.
Liability coverage. Covers expenses related to injury, death or property damage in situations where the policyholder is at fault. In most states, drivers are legally required to purchase bodily injury liability and property damage liability.
Personal injury protection. Covers expenses related to injuries you or your passengers suffer as a result of a vehicle accident, e.g. medical costs, income loss, childcare.
Medical payments coverage. Covers medical care if you or your passengers are injured in a car accident, regardless of who was at fault.
Uninsured & underinsured motorist coverage. Covers your expenses if the other driver is at fault and isn’t sufficiently covered by vehicle insurance.
Gap coverage. Covers the gap between what you owe on your car and what your car is worth in the event that your car’s value depreciates after an accident.
Rental reimbursement coverage. Covers the cost of car rental while your car is in the shop.
Emergency roadside coverage. Covers the cost of emergency roadside services when you’re stuck with a flat tire, dead battery, or another problem.
Sound system insurance. Covers the cost of replacing stolen or damaged audio or video equipment.
Personal umbrella policy. Covers liability above and beyond your other underlying limits.
Property protection coverage. Covers the cost of damages you accidentally cause to someone else's vehicle.
Accidental death and dismemberment. Covers expenses related to death or serious injuries caused when a vehicle is involved in an accident, regardless of who was at fault.
Classic car insurance. Customized coverage for vintage, classic, and antique cars.
Ride-sharing coverage. For drivers who work for ride-sharing services like Uber and Lyft.
Pay-As-You-Go auto insurance. Covers all the policies above, with rates adjusted according to the number of miles you drive. Requires installation of a tracking device in your vehicle.
Non-owner car insurance. Liability coverage for drivers who don’t own a vehicle but regularly use borrowed cars or rental cars.
SR-22. In some states, people with high-risk insurance policies are required to buy this document.
How to Apply
Compare.com works like a large insurance agency in that it is authorized to broker policies for more than 50 of America’s best car insurance companies. To apply for and purchase auto insurance with the assistance of Compare.com, simply follow these steps:
  • At the top of the Compare.com website, enter your zip code and click “Start comparing”.
  • You’ll be given the option of having Compare.com fill out your information automatically (using your internet browser’s auto-fill tool, which copies your name, address, and phone number from previous online forms you’ve filled out). You may also choose to populate these fields yourself.
  • If you choose to enter the information manually, you’ll be asked first for vehicle details, including: year, make, model, whether there are any anti-theft features, whether you own or lease your vehicle, how long you’ve owned it, whether you use it for commuting or personal purposes, your estimated annual mileage, and whether you park it at your house.
  • Next up is information about yourself and any other drivers who use the car. You’ll need to include marital status, details about your residence, your license status, and information about your education and employment.
  • Following that are details of your driving history, including your current car insurance coverage if you have any.
  • Next, you’ll be asked to provide are your email address and phone number and to choose from four levels of coverage: state minimum, basic, plus, and premium.
  • Within 30 seconds, you’ll be redirected to a screen displaying your offers.
  • You may select from any of the insurance providers and apply online or request a call back from one of the insurer’s agents. The rest of the process takes place directly with your chosen insurance company.
Filing a Claim
Because Compare.com isn’t a direct insurance provider, you’ll need to file claims with the company that provides your coverage. Most of the companies Compare.com works with allow policyholders to file insurance claims through the following channels:
  • Toll-free phone number.
  • Through the policyholder’s online account.
  • Through live chat.
  • Occasionally through the insurance company’s mobile app, if it has one.
Contact Compare.com
Compare.com serves people in all 50 states and the District of Columbia. It can’t offer insurance quotes over the phone, but its staff can help you if you’re having trouble getting a quote online. Help can be found via the following channels.
  • Phone: 877-294-2734, a 24/7 toll-free number.
  • Mail: Compare.com, 140 East Shore Drive, Suite 300, Glen Allen, VA 23059
  • Website: The Compare.com website has extensive support pages with tools, resources, and answers to many of the most frequently asked questions about car insurance.
Summary
Compare.com is a convenient online service that allows users to compare policies quickly and easily from dozens of America’s best auto insurance companies. It’s free to use and does in minutes what it would take you hours to do yourself. And best of all, the fierce competition between all the different insurers in Compare.com’s network means you – the consumer – win out with the cheapest rates.