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Esurance is a car insurance company from Allstate. It’s free to get a quote and find coverage that works for your needs. The company offers competitive rates, has a useful and easy to use website, and offers a variety of discounts. The insurance’s products are available in several states. With auto insurance being offered in 43 states and homeowner coverage in 31 states.
- Great website with plenty of online tools to use
- Plenty of discounts
- Many different coverage options to browse through
- High satisfaction ratings for auto coverage shopping
- Low ratings for making auto claims
- Received too many complaints for a business of this size
Esurance is owned by Allstate, but has an impressive app that sets it apart. The app is very easy to use, allowing you to share images of your car after an auto accident. Most of the experience comes from the mobile options. Many customers didn’t like the prices this brand offered or their customer service. However, the brand is also known for offering several different discounts that you can access.
Esurance is suitable for drivers who want to manage their insurance policies through a convenient, handy app. The app for Esurance is very high-quality, allowing you to check on your coverage at any time. It’s also great for Rideshare drivers since there are plenty of discounts online and you submit pictures of accidents using the app. They also offer ShareSmart coverage specifically for rideshare drivers.
Types of Coverage
Esurance has a heavy focus on auto insurance, although they do also offer homeowners insurance. The company has all of your basics covered, with plenty of add-ons that might benefit you.
These are the types of coverage that Esurance can offer to you:
- Auto Comprehensive Coverage
- Emergency Roadside Assistance
- Rental Car Coverage
- Loan or Lease Gap Coverage
- Motorcycle Coverage
- Rideshare (in select states)
What is Comprehensive Coverage?
This type of auto insurance is one of the brand’s most popular services. It protects you when you’re in an off-road accident, something falls on your car, an animal runs in front of your moving car, or your car is stolen. Glass coverage is also under this category.
The Application Process
As one of the first insurance companies to offer their services online, it’s very easy to sign up for Esurance. Simply visit their website and start your free auto insurance quote. If you like the quote you receive, you can respond and officially sign up for the coverage. It’s a very simple process that you can do right from your living room.
The application that you fill out online doesn’t take very long. You should be able to fill it out in five to ten minutes, at most. Most of the questions are about what type of car or home you have, depending on what types of insurance you’re applying to.
The company does offer free quotes, which you’ll want to make use of. Their rates tend to break down like the following:
- Minimum required coverage level: $1,165
- A driver with good credit: $2,108
- Driver recently in an at-fault accident: $3,580
While these rates do differ from state to state, you can still consider them as a baseline. There are many cheaper options out there, so this company doesn’t rank very well when it comes to pricing.
Help and Support
If you need help, make sure to get in touch with the Esurance customer service team. Their phone number is 1 (800) 378-7262. You can also chat with a customer support team member online or through email- anything that makes you feel the most comfortable. The support office is open between six am and midnight in Central Time, every day of the week.
It’s worth keeping in mind that this business did not rank very well when it came to their customer service. However, you should still be able to find the support that you need with this company. There is a FAQ available on their webpage, which has plenty of information that might be of some use to you.
Overall, Esurance is most well known for being the first insurance company to run through the internet. Because of this, they have plenty of unique features, a smooth website, and a useful app. Esurance is part of the parent company, Allstate, who might be trying to slowly remove the insurance business.
To summarize, Esurance is great for those who want to manage all of their coverage in an app or for those who want to receive more coverage as a rideshare driver.