Esurance auto insurance review | finder.com

Esurance car insurance review November 2018

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Comprehensive coverage comes affordably with this highly rated online provider — but watch out for hidden fees.

Car insurance is a must-have, and it’s up to you to get the best coverage for when life happens. But choosing the right company can mean sifting through confusing legalese and countless deals — all for something you hope you never need. One of the first providers to sell insurance online directly to its customers, Esurance is a serious player in the auto insurance industry.

Description Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
States served Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, 43 states (available everywhere except Alaska Delaware Hawaii New Hampshire Montana Vermont Wyoming)
Roadside assistance Optional
Pay schedule 12 months, monthly
Claims methods online
New car protection Yes, cars under 1 year old & 15,000 miles

Pros

  • First-rate site with quotes in minutes
  • Competitive pricing
  • A+ BBB rating

Cons

  • Hidden fees
  • Direct online company
  • Autopay required
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount Yes
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts Switch & Save® discount, Renters Plus® discount

Who is Esurance best for?

Packed with an arsenal of interactive tools, excellent customer service and great auto insurance coverage, Esurance car insurance is best for anyone who values convenience and online access. While its prices may not be as low as some of the bare-bones auto insurance providers, higher premiums are a small price to pay for better coverage and great service.

Where is Esurance available?

With availability in 43 states across the US, a better question is, Where isn’t Esurance available? If you live in any of these seven states, you will need to look elsewhere for car insurance:

  • Alaska
  • Delaware
  • Hawaii
  • New Hampshire
  • Montana
  • Vermont
  • Wyoming

What car insurance coverage does Esurance offer?

Esurance offers a full suite of auto insurance policies and a number of tools to help you find the coverage that’s right for you. Here’s what types of auto insurance coverage Esurance offers:

  • Medical payments. Covers accident-related medical expenses, even if you are a pedestrian.
  • Personal injury protection. PIP coverage varies by state but generally fills the gaps by covering indirect expenses like lost wages or nursing care after a car accident.
  • Comprehensive coverage. Pays for car repairs if your car is damaged by something other than an accident — for instance, fire or vandalism.
  • Collision. A key component of “full coverage,” pays for car repairs if you’re in an accident.
  • Emergency roadside assistance. Pays for towing and roadside fees necessary after an accident.
  • Rental reimbursement. Pays for your rental car while your car is in the shop.
  • Loan/lease gap coverage. If an accident totals a car you’re financing or leasing, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.
  • Customized parts and equipment. Insures electronics and performance mods up to $4,000, like your stereo system, headrest TVs and that custom paint job that makes your car yours.
  • Bodily injury and property damage liability. Protects you and other drivers if you cause an accident.
  • Uninsured/underinsured motorist liability. Helps with bills if you’re in an accident caused by an uninsured or underinsured driver.
  • SR-22. Also known as a certificate of fiscal responsibility, Esurance can provide SR-22 for drivers mandated by state law.

What extra benefits and add-ons does Esurance offer?

On top of Esurance’s coverage and service, it offers a number of special programs to help protect you and your vehicle.

  • CoverageMyWay – An innovative quote system that provides unique policies tailored to your needs.
  • DriveSense – A mobile app that monitors your driving habits and can provide personalized discounts
  • Roadside assistance – Get help if you encounter any roadside emergencies. This program protects you if you come across flat tires, engine issues, lockouts, and more.
  • Rental car coverage – Get additional coverage to pay for the cost of a rental car while your vehicle is in the shop.
  • Mobile app – Esurance offers a great mobile app where you can manage your account, speak to representatives, file claims, and more.
  • E-Star Direct Repair Program – A network of over 1,400 repair shops where repairs are guaranteed for life. Also provides access to the RepairView Program which allows you to monitor progress on your vehicle.
  • DriveSafe Teen Driver Program – A telematics device paired with a mobile app helps monitor your teen’s driving habits and limits cell phone use.

What discounts can I get with Esurance?

Esurance employs a modern approach to auto insurance using smart technology to maximize efficiency. Its innovative strategy allows it to pass down savings to its customers through personalized sets of discounts. Here are a few of its many discounts that can help bring down the cost of your policy:

  • Multi-policy discount. Receive a discount for bundling homeowners or motorcycle insurance with your auto insurance policy.
  • Switch and save discount. Get discounted rates for switching from your current auto insurance provider to Esurance.
  • Fast 5 discount. Save 5% by starting a quote online with Esurance.
  • Paid in full discount. Save up to 10% by paying your policy premiums in a single, lump-sum payment.
  • DriveSense discount. Download the DriveSense mobile app for an initial discount of 5% and keep using it after your first policy term to earn a personalized discount based on your driving habits.
  • Good driver discount. Save up to 30-40% on your auto insurance with Esurance if you have one or fewer penalty points on your driving record.
  • Multi-car discount. Receive discounted rates when you insure more than one vehicle under the same policy.
  • Good student discount. Save up to 10% on certain coverage if you are a student under 25 who maintains a 3.0 GPA or “B” average.
  • Anti-theft discount. Save 5-25% for having anti-theft systems installed on your vehicle.
  • Safety device discount. Save between 2-33% when insuring a vehicle with manufacturer-installed airbags or automatic seat belts

Pros and cons of Esurance car insurance

Pros

  • First-rate website. Get auto insurance coverage easily in a matter of minutes. (We counted.)
  • Competitive pricing. Users celebrate affordable rates, especially for those with excellent driving records.
  • A+ BBB rating. Esurance gets high marks for customer service and transparency.
  • Tools and programs. Esurance offers a suite of tools and programs to make getting coverage easier, improve your driving habits, and reduce your rates.
  • Mobile app. Esurance offers a great mobile app that gives you control over your policy. Make payments, adjust coverage, file claims and more.

Cons

  • Hidden fees. Customers complain about charges for check payments, paper statements and — more of a problem — policy cancellations that can be 10% of your remaining premium balance.
  • Direct company. Because Esurance is fully online, you won’t have a local agent to call or visit with policy concerns.
  • Autopay required. To go through Esurance, you’re required to sign up for automatic withdrawals from your bank account.

How to apply for Esurance car insurance

Esurance prides itself in its ability to offer coverage directly to customers through its online platform and by phone. Getting coverage only takes minutes, and here’s how to get started:

Online:

  1. Start by visiting the Esurance website
  2. Click “Start a new quote”, enter your zip code, then click “Get a quote”
  3. Enter your personal information (name, address, and date of birth), then click continue.
  4. Enter your vehicle information (make, model, usage, etc), then click continue.
  5. Add driver information for anyone you want to insure, then click continue.
  6. Do you currently have auto insurance? If so, enter any relevant information, then click continue.
  7. Once you’ve obtained a quote, select all of your desired policy options then call the phone number you’ve been given or click “continue online” to purchase coverage.
  8. Enter any final details, review all information, enter your payment info, then check out.

By phone:

If you’d rather apply for auto insurance with Esurance by phone, you can start the process by calling 1-800-378-7262 and speaking with a representative.

What do customers say about Esurance?

While Esurance is not officially accredited on the official BBB website, it does hold an impressive A+ rating and a composite score of 3.95 out of 5 possible stars. However, despite its great ratings, there’s no shortage of customer complaints. Of the 49 customer reviews, only 10 are positive, and that’s not counting the 300 total customer complaints.

Many customers report issues with billing and collection issues, rate increases, and poor customer service. While it can be tough to look past all of the negativity, keep in mind that customers are more likely to report negative experiences, which can make it tough to get an unbiased perspective.

How to contact Esurance

There are a number of ways you can reach Esurance, but you can start by visiting the Esurance website. Here are a few other ways you can get in touch.

  • Phone: 1-800-378-7262
  • Email: Via an online form on its website esurance.com
  • Facebook: @Esurance
  • Twitter: @EsuranceCares

Esurance’s cancellation policy

What is Esurance?

You might recognize this insurance giant from its hilarious commercials starring spokesperson Dennis Quaid. Founded in 1999 at the height of the dot-com bubble, Esurance aims to provide insurance for the modern world. Its innovative business model led to a $1 billion acquisition by Allstate in 2011.

Esurance is not your standard insurance company: Committed to its modern approach to insurance, it sells car and home insurance online and by phone. This provider is highly respected for its reasonable rates and excellent customer service, and with a network of over 3,000 helpful associates across the country, it’s no wonder why.

Alternatives to Esurance

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, 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 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
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.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
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 CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

Esurance is an innovative provider offering a wide range of coverage at competitive prices. Its customer experience revolves around an intuitive website and mobile app from which you can access your policy or file a claim, among many other things.

However, you won’t have access to the local agents that many other providers offer, and you’ll want to make sure you’re going to keep your policy active throughout your contract or you could face steep cancellation fees. Compare alternatives to Esurance to find the best provider for you.

Frequently asked questions about Esurance

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