Esurance Car Insurance Review

Many drivers are overwhelmed by the number of policy choices available when shopping for car insurance and the number of car insurance companies fighting for your business.

While a majority of the market share is held by providers like Allstate and State Farm, there have been many new players over the last decade as the internet has evolved. Esurance is one of those companies that has embraced technology and quickly captured substantial market share in many of America’s markets.

Read our Esurance company review, and don’t forget to enter your ZIP code to compare auto insurance rates nationwide.

About Esurance

Esurance, Inc. is a subsidiary of White Mountains Insurance Group that was founded 1998 and wrote its first policy in December of the following year. It is located in San Francisco, California, and currently employs over 1,700 people.

The company offers a wide range of insurance products including:

• Automobile, Motorcycles and Collector Car Insurance
• Watercraft, ATVs and RVs
• Homeowners and Renters Insurance
• Health, Life, and even Pet Insurance

Esurance is definitely qualified to be your one-stop shop for any insurance you could need!

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Esurance Insurance Discounts

Esurance offers a substantial list of car insurance discounts based on everything from your driving record to your marital status.

Although specific rates and discounts vary depending on the state in which you live, here are some things that may qualify you for a discount in most states:

• Being married or in a documented domestic partnership
• Insuring multiple vehicles or holding multiple policy types with Esurance
• Maintaining a clean driving record
• Insuring a vehicle with standard safety features like seat belts, air bags, head restraints, and antilock brakes
• Completing driver safety courses
• Enrolling in school full-time and maintaining a 3.0 GPA (for drivers 25 and under)
• Paying your policy in full

As we can see here, being a safe driver and generally following the rules can benefit you in the long run with better rates!

Esurance Car Insurance Coverage

Esurance customers can choose from a large selection of coverage options, and the company’s online “Coverage Counselor” is a helpful tool for those who need some guidance.

Customers can choose between comprehensive or liability-only coverage and can explore the costs of different deductible levels using the company’s online tools. You can also adjust the total cost of your policy by experimenting with different coverage levels.

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Esurance Company Review and Consumer Ratings

In terms of reliability, you can rest assured knowing that Esurance has been rated “Excellent” by A.M. Best, an organization that assesses a company’s ability to meet its financial obligations.

If online access and user experience are important to you, then it’s equally important to note that the Esurance website was ranked first among all insurance company websites by The Change Sciences Group in the “Customer Experience” and “Usability” categories.

However, if you prefer to contact your insurer the old-fashioned way — by phone or mail — Esurance might not be a good fit for you. Although Esurance received “About Average” ratings in most categories, it earned a poor rating in the “Contacting the Insurer” category in the 2010 U.S. National Auto Insurance Study conducted by J.D. Power and Associates.

Esurance received an overall rating of “About Average” on this customer satisfaction survey, but its total score of 759 out of 1,000 placed it well below the industry average score of 777.

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Esurance Conclusion

If you are comfortable using online tools to buy and manage your auto insurance, Esurance will most likely be a good fit for you, and in fact, you may even prefer it to other insurers who excel at traditional customer service.

Although it scored below the industry average overall, it earned average scores in terms of pricing and policy offerings, which indicates that it’s on par with other insurers in these all-important categories.

Choosing car insurance can be a challenging process, but it always helps to be able to compare your options.

Enter your ZIP code above to compare car insurance rates from a variety of insurers and help put consumer ratings in perspective based on quotes unique to your profile.

Related posts:

1. Allstate Versus Esurance
2. Geico Auto Insurance Review

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