Is Insure.com Legit? A Scam Buster’s Review

If you’re looking for insurance quotes online, you may have come across Insure.com, a website that claims to help you compare and shop for the best insurance policies.

But is Insure.com legit, or is it a scam? As an experienced scam buster, I decided to investigate this website and share my findings with you.

Is Insure.com legit?

The short answer is yes, Insure.com is a legitimate website that offers in-depth articles, guides, and resources that cover a wide range of insurance topics.

The site is owned by QuinStreet, which is an “A+” rated Better Business Bureau accredited business as of May 2021.

However, users should keep in mind that Insure.com accepts advertising from insurance companies, so the information they receive may not be 100% objective.

Insure.com is not an insurance company itself, but an insurance marketplace that connects you with different insurers in its network.

You can use the site to compare insurance quotes from various companies for life, auto, health, home, and other types of insurance.

You can also read customer reviews and ratings of the insurers to help you make an informed decision.

What types of insurance does Insure.com offer?

• Life insurance: You can compare term, whole, universal, and final expense life insurance policies from different companies and find the best coverage for your needs.
• Auto insurance: You can compare car insurance rates and coverages from multiple carriers and learn about discounts, state requirements, and claims processes.
• health insurance: You can compare health insurance plans from different providers and learn about the benefits, costs, and eligibility of different options, such as short-term, Medicaid, employer-sponsored, individual, student, and self-employed health insurance.
• Home insurance: You can compare homeowners insurance quotes and coverages from different companies and learn about the factors that affect your rates, such as location, home value, deductible, and discounts.
• Other insurance: You can also compare and shop for other types of insurance, such as renters, condo, motorcycle, RV, boat, pet, travel, and business insurance.

What are the benefits of using Insure.com?

• Saving time and money: You can save hundreds of dollars by shopping around for your insurance. Insure.com can help you compare and contrast different policies and prices in one place, so you don’t have to visit multiple websites or call multiple agents.
• Getting personalized quotes: You can get customized quotes based on your personal information, such as your zip code, age, gender, vehicle, driving history, health condition, and more. You can also use the Name Your Price Tool to tell Insure.com what you want to pay for your insurance policy, and they’ll show you the coverage options that fit your budget.
• Learning from experts: You can access a wealth of information and advice from insurance experts on Insure.com.
• Choosing from the best: You can focus on the top insurance companies that have been rated and reviewed by customers and experts. You can check out Insure.com’s Best Insurance Companies list, which ranks the insurers based on value, customer service, claims satisfaction, plan satisfaction, and recommendation rate.

How does Insure.com make money?

Insure.com makes money by receiving commissions from the insurance companies that it partners with.

Every time you request a quote, buy a policy, or click on a link from Insure.com, the site may earn a fee from the insurer.

This does not affect the price you pay for your insurance, but it may influence the recommendations and rankings that Insure.com provides.

Insure.com also makes money by selling advertising space on its website to insurance companies and other third-party advertisers.

These ads may appear as banners, pop-ups, or sponsored links on the site.

You should be careful not to confuse these ads with the actual quotes or information that Insure.com provides.

How to get insurance quotes from Insure.com?

Getting insurance quotes from Insure.com is easy and fast. You just need to follow these steps:

• Visit Insure.com and select the type of insurance you need from the drop-down menu.
• Enter your zip code and click on “Compare Quotes”.
• Fill out a short form with some basic information about yourself and your insurance needs.
• Review the quotes and coverages from different insurance companies that match your criteria.
• Choose the best policy for you and click on “Buy Now” or “Apply Online” to complete your purchase.

How to file a claim with Insure.com?

Insure.com does not handle claims directly, as it is not an insurance company. If you need to file a claim, you have to contact the insurance company that issued your policy.

You can find the contact information of your insurer on your policy documents, ID cards, or Insure.com’s website.

The claim process may vary depending on the type of insurance and the company you have. Generally, you will need to:

• Report the incident to your insurer as soon as possible and provide the details of what happened, when, where, and who was involved.
• Fill out a claim form and submit your documentation, such as photos, receipts, police reports, medical bills, etc.
• Receive a visit from the insurance adjuster, who will review and document the damage, assess your liability, and estimate the cost of repairs or replacement.
• Negotiate and settle the claim with your insurer, who will issue a check or a direct deposit to you or the repair shop, depending on the situation.

How does Insure.com determine your rates?

Insure.com, not being an insurance company, doesn’t set your rates; they are determined by the insurance companies offering quotes based on your unique risk factors. Several factors influence these rates:

1. Location:
   • State, city, and neighborhood impact rates due to crime levels, traffic, weather, and local regulations.
2. Vehicle:
   • Make, model, year, value, safety features, and repair costs affect rates by indicating the likelihood and severity of claims.
3. Age:
   • Your age reflects driving experience and maturity; younger drivers often pay more due to higher accident and violation risks.
4. Gender:
   • Statistical differences in driving behavior and risk lead to varied rates, with men generally paying more for tendencies like faster driving and higher aggression.
5. Driving History:
   • Tickets, accidents, or DUIs impact rates, with clean records resulting in lower costs due to a lower likelihood of future claims.
6. Credit Score:
   • Your financial responsibility and stability, indicated by your credit score, affect rates. Those with good credit usually pay less.
7. Coverage:
   • The amount and type of protection you choose impact rates; more coverage means higher costs. Options include liability, collision, comprehensive, and others.
8. Deductible:
   • Your out-of-pocket payment before insurance kicks in (deductible) affects rates. Higher deductibles mean lower premiums and vice versa, allowing customization based on budget and risk tolerance.
9. Discounts:
   • Various discounts, such as bundling, safe driver, good student, and more, influence rates, providing rewards for being a responsible driver, loyal customer, or savvy shopper.

How to contact Insure.com?

If you have any questions, comments, or feedback about Insure.com, you can contact them through the following ways:

• Email: You can send an email to reception@insure.com and they will get back to you as soon as possible.
• Phone: You can call them toll-free at 1-800-467-8733 from Monday to Friday, 8 a.m. to 5:30 p.m. .
• Mail: You can write to them at Insure.com, Inc., 950 Tower Lane, 6th Floor, Foster City, CA 94404.
• Social media: You can follow them on Facebook, Twitter, LinkedIn, and YouTube for the latest news and updates on insurance.