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Esurance was founded in 1998 and is headquartered out of San Francisco, California. Esurance provides car insurance coverage to 30 states, mostly over the internet. Recently, Allstate acquired Esurance in 2011 and now operates Esurance as its subsidiary. Allstate purchased Esurance with the express purpose of attempting to provide drivers with coverage who, for whatever reason, are not eligible for regular Allstate insurance policies. Presently, Esurance has 1,400 employees working out of 14 different offices, and Esurance writes more than $718 million in insurance premiums annually.

Because Esurance saves money utilizing a mostly online platform, it can afford to offer competitive rates in some areas. However, every driver is different, and their premiums will be too. Variable such as location, age, gender, driving history, and the make/model of your vehicle will all be incorporated into your auto insurance quote. The best thing you can do is to obtain a quote from Esurance online, and then compare that quote to other providers within your area.

Thanks to Allstate’s financial reserves, Esurance doesn’t have to worry about being able to pay out claims to their customers. Esurance has earned an “Excellent” rating (A) from A. M. Best.

Esurance Auto Insurance Coverage Available

Esurance offers a variety of policy types, such as:

  • Liability insurance
  • Collision insurance
  • Comprehensive insurance
  • personal injury protection

On the Esurance auto insurance website, you can find a “Coverage Counselor” which will help you discover the amount and type of coverage need. The website also has interactive tools which will help you find a quote, pay your bill, manage your account, and file a claim. Additionally, you can also call or email an Esurance customer service representative for further assistance.

Because of recent success, Esurance also offers other forms of insurance, which include:

  • Life Insurance
  • Health Insurance
  • Renters Insurance
  • Motorcycle Insurance
  • Homeowners Insurance

Esurance Car Insurance Discounts

In order to help make auto insurance premiums more affordable, Esurance is happy to offer its customers the following discounts:

  • Multi-policy discount
  • Multi-car discount
  • Good driver discount
  • Safety equipment discount
  • Switching insurance providers online discount
  • And many more Esurance car insurance discounts

Esurance Customer Service

Unfortunately, Esurance customers have given the company fairly negative ratings in regards to customer service. As published in the recent 2011 J.D. Power & Associates customer satisfaction survey, Esurance scored only 2 out of a possible 5 stars, or a “below average” rating, in the following categories:

  • customer satisfaction
  • billing and payment
  • contacting the insurer

Pricing and products, however, are a different story. In those categories, Esurance earned 3 out of a possible 5 stars, or an “average” rating. And according to the Customer Satisfaction Index, Esurance earned a total of 763 points (from a possible 1000) This score is 27 points lower than the national average, ranking Esurance in 24th place out of the 33 companies which participated in the survey.

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Corporate Headquarters
650 Davis Street
San Francisco, CA 94111
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