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Esurance vs. The General: Discounts, quotes, and comparison
Esurance vs. The General
You’ve narrowed your potential insurers to Esurance and The General. But which one should you pick?
Esurance is a relatively new player in the insurance market, founded in 1999. Since its inception, it’s gained a lot of traction through its accessible online insurance. Today, it’s owned by Allstate.
The General caters to drivers whom other insurers may classify as “high risk.” The company claims to provide affordable premiums, even though insurance for riskier drivers tends to be more expensive. In contrast to other high-risk insurance providers, The General maintains a stellar rating from the Better Business Bureau.
Our top pick: Esurance
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
- Online quotes in minutes
- Competitive pricing
- Mobile claims filing
- Customized coverage
- 24/7 claims service
- Convenient mobile app
|
|
|
|---|---|
| Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs. | Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month. |
| All states except AK, DE, HI, MT, NH, VT, WY | All states except Hawaii, Massachusetts, Michigan and New Jersey |
| Included free | Optional |
| Yes | No |
| No | No |
| Yes | No |
| Yes |
Yes |
| Online Phone In-person |
phone |
| 12 months monthly |
12 months monthly |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | No |
| No | No |
| Yes | Yes |
| No | No |
|
|
|
Bottom line
If you have no trouble finding insurance, compare multiple providers. Esurance and The General promise low prices, but it’s always worth shopping around.
Both insurers cover about the same number of US states. Esurance covers 43 states, while The General covers 46.
The General is a lightweight in cost reductions, offering a discount only if you pay in full. Esurance, on the other hand, offers a pay-in-full discount as well as promotions like good-student, defensive-driver and good-driver discounts.
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