Esurance Auto Insurance Review


UPDATED: OCT 2019 | 3 MIN READ

About Esurance

This American insurance company sells auto, home, renters, and motorcycle insurance to its customer base directly over the internet. In 1999, this company was founded and only a year later acquired by another, larger insurance group called Folksamerica Holding Co. In 2004, they became one of the first insurers to recognize same-sex marriage and honor it by extending the usual marital and multi-vehicle discounts to same-sex couples who were cohabitating, even if state legislature prevented them from legally marrying. In 2011, Esurance was purchased again, this time by Allstate. It remains an Allstate subsidiary as of late 2019. This was a strategic move by Allstate, who was losing customers to Esurance at a rapid rate. When the sale was completed, Esurance, along with parent Allstate, became the 6th largest auto insurance provider in the nation.

Satisfaction Ratings

  • BBB Rating: A-
  • Consumer Reports Rating: Average Satisfaction
  • JD Power Rating:  4 / 5 

Pros & Cons Section

Made to be simple, straightforward, and easily accessible online, any time
Accepts Paypal for premium payments
Fresh, newer company but still has access to parent company’s tools and knowledge

Lackluster customer service
Transaction fees plague their monthly payments, varying from $3 to $10 depending on the method of payment
Only accepts automatic payments. No mailing in payments, no paying in cash.

Policies Offered

Here are some of the types of coverages offered by Esurance:

Property Damage Liability – Esurance offers the state minimums and maxes out at $100k, meaning if you want more coverage than that, you’ll need an umbrella policy to go along with it.

Collision  – If your vehicle is financed, then your loan holder will require this coverage. You can choose from a range of deductibles, however, and the premium will adjust accordingly.

Comprehensive – Also known as “other than collision”, this coverage is for any damage done to your vehicle that is not the result of a crash with another car.

Upgrades and Addons

Here are some of the upgrades and extra features you can add to your policy:

Towing & Roadside – Most companies offer some sort of roadside option, but Esurance includes towing in the deal for up to $75 per covered incident. 

Custom Parts – Some companies will use any muffler that fits to replace yours if it falls off. But if you want a brand name part, you can have it, provided you choose this coverage.

GAP – For financed cars, you can choose GAP coverage to pay off your loan in the event of an accident that totals the vehicle. Normally it’s up to 25% of the actual cash value.

Available Discounts

You can earn discounts with the following Esurance programs:

Fast 5 – This is the introductory discount, just a 5% off for starting a policy and good for the first 6 months of premium. 

Paid in Full  -Planning on paying your policy in full? It’s not a bad choice, and if you do it, then Esurance will thank you for it with a tidy discount.

Switch & Save  – Do you have insurance currently? Keep current until your new policy takes effect, and Esurance will shave a little off your policy for not having a lapse.

Homeowners – Own your own home? Congrats! Esurance recognizes that responsibility and has a discount to give for those who no longer rent.

PAC-12  – Did you attend a PAC-12 school? If so, let the folks over at Esurance know and they’ll give you an additional policy discount.

Special Programs

These special programs and benefits are available from Esurance:

PayPal Pal -Have an account with PayPal? Just that alone will enroll you in this program. To take full advantage, you can set up your payments to come from PayPal to Esurance for another discount.

DriveSense – Esurance offers this mobile app up for anyone, customers or no. But if you are an Esurance policyholder, downloading this app will allow Esurance to track your driving habits, common trips, patterns, and behaviors to help you save money and grow as a driver.

What You Need to Apply

Have this information on hand to get a fast, accurate quote:

Name  – Of course, they need to know who the policy is for, along with basic info like your birth date, which they will use to pull your public driving records.

Address Where you live affects how you drive. Approach any state line and you’ll undoubtedly hear locals decrying the insane people in the next state over. Cities, suburbs, residential areas, they all have very different driving risks.

VIN  – You can find this 16-digit number inside your car door or auto-manual. It belongs only to your vehicle and can identify the features included.

Email – Since Esurance is an online company, you will conduct all of your business online. So, they will need an email address to communicate with you, as well as share policy details and changes if you do decide to buy.

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