Esurance

Car Insurance
Esurance Insurance Company is one of the marked names in the automobile insurance segment in the country. The provider has some of the best insurance policies and covers.
3.8
out of 599 user reviews

Insurance Coverage

However, before you invest, you must know in full about the plans, what users have to say, the customer reviews and ratings, and the market news of the company. To know more about the company read on.

Based on premium rates, affordability, customer reviews and the financial backing of the company, the rating for this are 82 out of 100. The top competitors of Esurance Insurance Company are, USAA, Amica, Country Financial, Mercury, and Progressive.

The financial stability of the company is rated at 4 out of 5 and the customer satisfaction rating is 3.8 out of 5.

Every state in the US has a different rule for the minimum coverage of rated auto insurance. You can always check with the provider as per your state. For a very basic idea, an example of the minimum coverage applied for in California by Esurance car insurance is given here:

  • Bodily injury liability covers of minimum $30000 per accident, and $15000 per person.
  • $5000 property damage liability minimum
  • Injuries cover for the uninsured motorist with a minimum of $30000 per accident and $15000 per person.
  • Minimum $3500 uninsured motorist property damage

However these are subjected to changes anytime as per the state law. To get Esurance Car insurance quotes, you must contact the company through its official helpline number at (800) 378-7262.

Coverage Options

All standard car insurance coverage is provided by the company. The common ones are:

  • Medical payments for personal injury protection
  • Bodily injury liability
  • Unsecured motorist
  • Property damage liability
  • Collision cover
  • Comprehensive physical damage

Besides these, there is some more coverage provided by the company, which are:

ERS or Emergency Roadside Services: This is also popular as towing coverage. This is an additional coverage that can be bought when you are buying the collision and comprehensive coverage. This coverage is a big help at times you are stuck on the roads for the battery problem, gas problem, sudden breakdown for other reasons, or a flat tire.

Rental Car: This is a very useful coverage. When your car is sent to the garage for repairs, and you need another car to carry on with your movements, then the insurance company will pay for a car rental for those days.

Customized Parts and Equipment Coverage: Many extra cat accessories, parts, and items which are not covered in any normal insurance plan, can be covered under this special coverage. The common items covered are custom paints, car stickers or tattoos, custom spoilers and grilles, TV, sat nav system, phones, murals, paintings, artworks etc.

Affordability

The policy plans are reported to be affordable, with gala discounts they are providing on their policies. There are altogether 12 discount plans on their policies. Normally other insurers do not provide this much discounts. Eligible candidates can also save on their monthly EMIs. These are the 12 discounts they are offering on their policies:

  • Anti-Theft Devices
  • Anti-Lock Breaks
  • Good Student
  • Defensive Driver Courses
  • Homeowner
  • Group Membership
  • No Claims
  • Multi-Vehicle Policy
  • Safe Driving Record
  • Online Quote
  • Up-Front Payment
  • Switch from Competitor

Customer Satisfaction

Customer Satisfaction Rating: 
3.8
out of 599 user reviews

The customer satisfaction rating for Esurance is not great. It’s just 3.8 out of 5, and was derived on averaging the various parameters of customer ratings on a scale of 10. They are as follows:

Discount Satisfaction - 6.7

Ease of setup - 8.8

Customer Service - 7.9

Premium Affordability - 7.5

Claims Process - 6.7

Based on these ratings other customers can get an idea of what to expect from the company, and whether to go for it’s policies or not. Reading every Esurance car insurance review you can find is a good idea.

Financial Stability

Financial Stability Rating: 
4.0
out of 599 user reviews

The financial stability of an insurance company is calculated on the basis of its ability to pay for customer claims. The ratings given by official credit score rating agencies are a good contribution to the calculation of this score.

Currently Esurance Insurance Company has 4.5 rating out of 5. This rating is well in average, and can be said to be stable. This subsidiary group of Allstate has a good financial backbone for Allstate having $104.7 billion asset in total, whereas other insurance providers have an asset of approx $102.5 billion.

Conclusion

With the strong financial stability, it appears that you won’t have to suffer for not getting your claims, however the low customer ratings in customer service indicates that the waiting time to get your claim may be a few more days than some other company processes it in.

If you are interested in the extra additional coverage Esurance offers, you may try it’s policy for a year and find out how it goes.

Survey Review Data

Contact Info

General Phone Number: 
1-800-378-7262
Customer Service Phone: 
1-888-825-9763

Esurance
650 Davis Street
San Francisco, CA 94111

Newest From Blog

The above word, PIP is related with a type of insurance or can be called as a personal medical protection to those peoples who have this. PIP, stands for personal injury protection auto insurance or personal insurance protection.

If someone have a vehicle like car, bus, van, jeep, motorbike, scooter etc. than he/she must have to insure your vehicle under any insurance policy. Any insurance company just assured you to get the coverage of your vehicle at the time of damage due to certain reasons of occurring accident.

Many coverages are there in insurance policies, but not any other issues can be covered through that particular policy. So, for that the other types of issue of damage or accident there is a comprehensive auto insurance covers. What is comprehensive insurance?