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.
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
- Group Membership
- No Claims
- Multi-Vehicle Policy
- Safe Driving Record
- Online Quote
- Up-Front Payment
- Switch from Competitor
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.
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.
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
650 Davis Street
San Francisco, CA 94111