Is Google Compare a good insurance company?

UPDATED: Jul 27, 2015

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UPDATED: Jul 27, 2015Fact Checked

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Asked July 27, 2015

1 Answer

Google Compare is a new web service provided by Google. This service offers comparisons for auto insurance, credit cards, and other services that consumers use on a regular basis. Google Compare Auto Insurance is not actually an insurance company, but a comparison tool that allows users to search for the best auto insurance based on their zip code.

Google Compare Auto Insurance will allow an individual to get the contact information for each insurance company they compare so that they can speak with providers before they actually choose their insurance. This can allow users to get to know the company, ask questions about their coverage, and more. This tool also lets consumers get an “apples-to-apples” comparison of insurance products from different providers, side by side.

Other features of this web service include:

  • Hassle-free shopping: The user’s phone number is hidden from the insurance provider while comparing and deciding upon auto insurance companies and policies. This allows users to enjoy their privacy until they make a decision.
  • Mobile-friendly search tools: Users can compare auto insurance quotes on their laptop, mobile phone, tablet, or other device seamlessly.
  • Google connectivity: Every search is attached to the Google user profile, saving consumers the time of inputting information, emailing saved quotes, and so forth. All of the information is available on Google Compare and can be accessed from any computer or internet device.

Who Does Google Work With?

This resource is not yet available in all states, but Google does provide auto insurance quotes to residents of California as of March 2015, and claims to offer "more states coming soon". They are currently licensed to do business in all 50 states, but have yet to actively roll out the program nationwide. Google does not provide a full list of their insurance partners, but shows the following company logos on their website:

Mercury Insurance
The General
Dairyland Auto
Titan Insurance

They currently work with 17 total insurance providers, and are always looking for more to sign up for the service to be found by users who prefer the use of Google Compare to direct website shopping.

Most of the major insurance carriers, including Progressive, Allstate, Geico, and State Farm, have declined partnerships with Google Compare, citing the risk of being whittled down to just a "cost comparison tool" when there is so much more to an auto insurance policy than the price.

The Bottom Line

Google Compare seems to be an effective quote comparison tool for auto insurance, or it will be once available to residents nationwide. The website leaves little information about where services are currently offered aside from the zip code entry form, which will simply tell a user that “services are not available in your state” if their zip code doesn’t match an area that is covered. It seems to be an effective comparison tool for consumers in covered areas, but it may not provide solutions for everyone.

Another factor to consider is the effect that this will have on the insurance industry as a whole, including the major auto insurance brands that have decided not to work with Google on this comparison tool. Some insurance insiders and financial professionals are worried that a tool like this could threaten the industry and reduce auto insurance shopping to a bidding war, when in reality cost is only a small factor in choosing the right coverage.

It will simply be a matter of time before an accurate assessment of this new tool from Google can be made. As of right now, it seems like it might be an effective resource, but it leaves a lot of information out. Google's lack of disclosure combined with the rejection of major insurance carriers might speak to some issues with this service. Then again, however, it might just be too new to tell.

Answered August 3, 2015 by Anonymous

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