Elephant car insurance review | finder.com

Elephant car insurance review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Elephant
  • Fully online
  • Multiple discounts add up
  • One-year terms
Learn more Go to site

Stack your discounts to save up to 40% on your policy

  • Get a quote if you want cheap online quotes and great discounts.
  • Pick something else if you want the best customer support or flexible payments.
  • Cheapest rates for multi-car policies
States served Illinois, Indiana, Maryland, Tennessee, Texas, Virginia
Roadside assistance Optional
Pay schedule monthly
Claims methods online, email, phone, mail
New car protection No
Accident forgiveness No

Pros

  • Fully online
  • Multiple discounts add up
  • One-year terms

Cons

  • Services in six states only
  • Many online complaints
  • Prefers multicar policies
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount No
Homeowner discount No
Military discount No
Safety device discount No
Special employment discount No
Usage-based discount No
Other discounts Online quote - get a quote online and save up to 15%. Paperless statements - up to 3% per vehicle. Electronic signature. Pay in full.
Rideshare coverage No
SR-22 coverage No
Temporary & short term coverage

Where is Elephant Insurance available?

Elephant Insurance is available to residents of Illinois, Maryland, Texas, Virginia, Indiana and Tennessee. Elephant plans to add more states in the future.

What car insurance coverage does Elephant Insurance offer?

Headquartered in Richmond, Virginia, Elephant Insurance is a subsidiary company of Admiral Group, one of the largest auto insurers in the UK serving more than 5 million customers worldwide.

Elephant offers a full range of coverage to protect you, your loved ones, your property and others you might bump into on the road.

  • Property damage liability. Pays for damages to other vehicles or property that result from an accident you’re at fault for. The max is $250,000 for total property damage per accident.
  • Bodily injury liability. Covers damage to people injured in an at-fault accident. Caps out at $250,000 per person and $500,000 per accident.
  • Collision. Covers car repairs, medical bills and related expenses that result from an at-fault accident.
  • Comprehensive. Protects you from unexpected damages that can result from theft, vandalism or natural disaster — situations outside of accidents.
  • Medical payments. Covers the bills that come with injuries to you or your passengers — no matter who caused the accident.
  • Personal injury protection. Fills in the gaps to cover indirect costs that result from an accident, like ambulance rides, lost wages and even child care, no matter who’s at fault.
  • Uninsured and underinsured motorist coverage. Bodily injury coverage that kicks in if you’re injured by an uninsured or underinsured motorist.
  • Rental reimbursement. Covers the costs of a rental if your own car ends up in the shop after an accident.
  • Roadside assistance. Get help with towings, jump-starts and emergency assistance services 24/7 nationwide.

What extra benefits and add-ons does Elephant Insurance offer?

With Elephant’s diminishing deductible program, you an save up to $500 on your deductible. When you sign up for the program, you’ll get $100 off your deductible on day 1. Then, after 5 years of good driving, that savings jumps to $500. And Elephant won’t reset your deductible to the full amount just because you have one accident.

What discounts can I get with Elephant?

Elephant claims it can save you up to 40% through its discounts alone.

It certainly advertises more of them online than you might find with similar low-cost competitors, including:

  • Responsible driver. If you haven’t had an accident in five years, you could save up to 10% with specific coverage.
  • Good student. Prove that you’re a full-time student with at least a B average, and you might shave 12% off your rate.
  • Electronic signature. Avoid paperwork by signing on an electronic dotted line to collect yet more savings.
  • Multicar policy. Get up to 20% off your coverage when you insure more than one car on your policy.
  • Auto and home bundling. Group homeowners or renters insurance with your auto coverage for a varying percentage off.
  • Pay in full. Satisfy the full balance of your annual policy up front to save more from the get-go.
  • Paperless account. Save up to 3% for each vehicle by going green.

Pros and cons of Elephant car insurance

If you live in Elephant’s service area, lower-than-average rates and stackable discounts give it an edge over competitors. But you won’t find local agents from Elephant, and your payment options are limited.

Pros

  • Fully online. Get a quote, sign up and store all necessary documents in one convenient place.
  • Multiple discounts add up. Elephant claims you can save up to 40% with its many discounts.
  • One-year terms. Unlike many other insurers, you can lock in your policy’s rate for up to a year.

Cons

  • Services in six states only. If you don’t live in Virginia, Texas, Illinois, Maryland, Indiana or Tennessee, you’ll need to look elsewhere until Elephant expands its coverage.
  • Many online complaints. Its marketing is great. But Elephant’s customers say that site access is erratic, service unprofessional and payments tricky.
  • Limited payment options. Payments are limited to credit or debit cards or bank accounts withdrawals. If you don’t pay for your policy in full up front, you’re required to sign up for automatic deductions.
  • Prefers multicar policies. Elephant likes insuring multicar households. If that’s not you, you can still get a quote. But it may not be your cheapest option.

How to apply for Elephant Insurance car insurance

Start with a free online quote from Elephant:

  1. Go to Elephant Insurance’s website and enter your ZIP code, then click Let’s get started.
  2. Enter your personal contact information as well as details on the vehicles you want to insure and drivers you plan to add to your policy. Click Continue.
  3. Wait for your quote to populate. If you’re not yet sure about Elephant, you can retrieve a saved quote to buy a policy later.

If you like what you see, continue the process of getting your policy online. To speak with a representative, contact support at 877-321-2096 weekdays from 8 a.m. to 10 p.m. ET.

What info do I need to apply?

To sign up for a policy online or by phone, you’ll need to submit:

  • Your address, email and phone number.
  • Demographic info, like your marital status, education and employment details.
  • The year, make and model of the vehicles you want to insure, along with safety information.
  • Any payments you make on your vehicles, and whether you’re the original owner.
  • The primary use and annual mileage of your vehicles.
  • Contact information for any drivers you want to add to your policy.
  • Information on any current auto policy you carry.
  • A Visa, Mastercard or Discover card or bank account details.

What do customers say about Elephant Insurance?

Elephant Insurance Services, which encompasses services beyond auto insurance, has been accredited by the Better Business Bureau (BBB) since 2015, earning an A+ rating as of this writing based on 13 factors outside of raves or complaints, including transparency and years in business.

But customer satisfaction varies widely. You’ll find a lot of customer complaints online that detail issues with payments, unhelpful service representatives, hidden fees and rate increases. More alarming, customers say that claims can be slow and difficult — not what you want to deal with after an accident.

On the flip side, positive reviews center on Elephant’s low rates and willingness to match competitor pricing. Its various stackable discounts also get a thumbs-up.

Mixed reviews aren’t out of the ordinary for car insurance companies. But when negatives outweigh the positives, it’s worth knowing what you’re getting into.

How to contact Elephant

For general questions, call 877-321-2096 weekdays from 8 a.m. to 10 p.m., Saturdays from 9 a.m. to 8 p.m. or Sundays from 11 a.m. to 7 p.m. ET.

Or email your questions or comments to customerservice@elephant.com.

To file a claim, call 844-937-5353 at any time.

  • General questions. Contact Elephant Insurance’s customer support team at 866-980-9431 weekdays from 9 a.m. to 5 p.m. ET or email customerservice@elephant.com.
  • Claims assistance. Call 844-867-2514 at any time.
  • Roadside assistance. Call 855-982-1720 at any time.

Alternatives to Elephant car insurance

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

Bottom line

Aside from the well-known national providers, many smaller insurers are providing affordable coverage with the flexibility that comes with a fully online operation.

Elephant Insurance is one of them, claiming to save you up to 40% through combinable discounts. But it’s available in six states only, which means most readers will need to look elsewhere.

Learn more about coverage and providers in our comprehensive guide to car insurance.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site