Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Esurance is a tech-focused insurance company that was based in San Francisco in 1999. They were one of the first companies to offer online car coverage. Maintaining their focus on user-friendly experience, they implement a variety of digital and mobile tools that makes it more than insurance - apps to monitor driving habits, find deals on gas, keep track on car’s repair process and more. Their customer experience game is on point: estimate 6 minutes to get a quote, 96 percent rate of satisfied claims and under 10 days claim process time. Online filing is available in most out of 43 states they cover.
Lines of Business:
When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Esurance
|Available Option||What it means|
Protects your driving record from being affected by the insurance company's rating system for an at-fault accident, thus preventing your insurance premium from going up due to this type of accident.
Loss of Use Coverage
Covers any additional living expenses, meaning any necessary expense that exceeds what you normally spend.
Mechanical Breakdown Insurance
Covers failure of major vehicular systems, like your engine and transmission. It's similar to an extended warranty from a car manufacturer, but it provides coverage for more systems.
Emergency Assistance Coverage
Covers cost of any emergency services called when involved in an incident
Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.
Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.
Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.
While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Esurance has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
|Available Option||What it means||Discount Data|
Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.
up to 40%
Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.
up to 33%
Anti Theft Device
This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.
up to 25%
How does Esurance compare to other insurance companies? Click the following links below to compare Esurance to other top insurance companies.