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Esurance: The Original Online Insurance Provider

AutoinsuranceEZ.com Rating: ★★★★☆ 

Esurance has barely been around for two decades, but in that short amount of time it has grown to become one of the leading providers in the US auto insurance market. The company was founded in 1998 based on one very simple concept: If you cut out the overhead costs associated with paying insurance agents, renting out office space, and even paper billing, you have the potential to lower rates and still make a profit while passing along some savings to the customer. And that particular business model has kept them growing strong over the past several years.

Esurance Review

As far as ratings are concerned, Esurance has a financial strength considered to be A+ (“superior”) by the financial ratings agency A.M. Best. In recent years, however, the company has had some trouble with customer service complaints. Although it looks like they have been working hard to improve their image and customer satisfaction (their BBB rating is now an A+ as of 2016), they still have over 400 complaints filed against them via the Better Business Bureau over the last 3 years.

Ratings Agency Rating
NAIC Complaint Index 0.86*
AM Best Financial Rating A+
BBB Rating A+
JD Power Auto Insurance Rating 2.6 (Above Average)

Esurance Discounts

Esurance is no stranger to how effective discounts can be. And, like other companies which want to attract more business, they offer a good variety of potential discounts. Just remember that laws will vary from state to state. Some discounts might not be available near you, or some discounts might not be as high as what you see in the chart below:

Discount % Savings*
Fast 5 5%
Paid in Full 10%
Switch & Save 5%
Claim-Free 10-25%
Renters Plus (applies to renter’s insurance only) 30%
Emergency Roadside Assistance 5%
Pac-12 Alumni Discount 15%
Defensive Driver 10%
Good Driver 30-40%
Good Student 10%
Anti-Theft 5-25%
Safety Device 2-33%
ABS Brakes 5%

(*Esurance.com 2016)

Esurance Auto Insurance Options

Esurance allows drivers like you to customize their insurance policy. Below are the basic types of coverage you can choose from, crafting your options and coverage limits to whatever fits your budget and your needs:

  • Medical Payments
  • Personal Injury Protection
  • Comprehensive
  • Collision
  • Emergency Roadside Service
  • Rental Car Coverage
  • Loan/Lease Gap Coverage
  • Customized Parts/Equipment
  • Liability (Property Damage and Bodily Injury)
  • Uninsured/Underinsured Motorist

Comparing Esurance Quotes

Insurance rates don’t just vary from state to state and company to company. Many of your personal circumstances will determine how much you’ll pay each month in premiums. For example:

Esurance Auto Insurance Quotes Legend: Esurance Single Male Renter Young Student Driver (Male) Single Female Renter Young Student Driver (Female) Young Married Couple Senior Married Couple 15 30 45 60 75 90 105 120 135 150 $89 $157 $88 $155 $125 $98

 
In the chart above, age and marital status all play a major role in what Esurance will ask you to pay for your premiums. Because this is a California survey, other important factors (such as credit) weren’t factored into the data. However, the odds are likely that a low credit score may yield a higher premium quote from companies like Esurance where you live. So keep that in mind while you’re comparison shopping.

Pros and Cons of Esurance

Pro Con
The Esurance mobile app has more features than most competitor’s apps The app doesn’t always function correctly on all phones
High customer service ratings in the categories of “insurance shopping” “repairs”, and “policy management” Poor customer reviews in the categories of “customer satisfaction”, “claim response”, “appraisal”, and “settlement”

Esurance seems like the perfect insurance provider for anyone who’s tech-savvy, wants to craft a custom insurance policy for their specific needs, and considered a “preferred risk” driver. However, they don’t have the infrastructure to cater to the sizeable US population who still prefer to do business the old-fashioned way – face-to-face. If you’re considering Esurance, make sure you use AutoInsuranceEZ’s handy quote tool to compare premiums from multiple companies and get the best rate.

Corporate Headquarters
650 Davis Street
San Francisco, CA 94111
www.esurance.com
1-800-378-7262
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