Esurance Car Insurance Review

Esurance, one of the biggest insurance companies in the United States, was founded in 1999 in San Francisco, California. This organization provides insurance for renters, homeowners, motorcycles, and automobiles. Automobile insurance quotes are quick and inexpensive using Esurance’s online quotation system. Esurance It would be interesting to observe whether Esurance has satisfied claims and consumers. Here’s our Esurance car insurance review for you.

Esurance Ratings for 2021

Esurance  Car Insurance Review -Esurance Logo
  • Claims satisfaction (J.D. Power) — Average. J.D. Power’s latest claim satisfaction survey gave Esurance an average grade.
  • Customer satisfaction (J.D. Power) — Not rated
  • Financial strength — Superior. AM gives Esurance an A+ rating. The best option in terms of long-term financial stability.
  • NAIC Rating — Poor. Last year, the NAIC received more complaints about Esurance than the norm for the industry (NAIC).

Esurance car insurance coverage options

Esurance offers every fundamental kind of car insurance coverage. Esurance provides a wide range of insurance options in addition to the standard liability, collision, and comprehensive protection.

Emergency Road Service (ERS)

If you currently have Esurance’s comprehensive and collision coverage, you may purchase this insurance for an extra cost. To speak with a representative, download the Esurance app to your smartphone or dial 1-888-374-6472.

ERS coverage applies if you need:

  • Towing assistance
  • Flat tire changes
  • Gas, oil, or water delivery
  • Battery jump start
  • Lockout services

Rental car coverage

Renters insurance covers the cost of a rental car if your own vehicle is damaged and you are unable to go to work as a result. If your automobile is damaged in an accident and has to be repaired, Esurance will cover the cost of a rental car. In most cases, your insurance policy will only pay out if you’re involved in an accident. To be insured for a rental vehicle, your auto insurance must have collision and comprehensive coverage.

Rideshare coverage

It’s possible that your current insurance policy will cover you if you drive for Lyft or Uber. This insurance would protect you if you worked as a rideshare driver. As long as you haven’t accepted a ride request while working for Uber or Lyft, you’re not subject to this regulation. You’ll start receiving payments from your Uber or Lyft insurance company after the waiting period is over.

Esurance discounts and reward programs

Esurance offers many programs and perks to help you save money on vehicle insurance. Their most prominent efforts are those listed above. All insurance plans and discounts are governed by state legislation.

DriveSense

Esurance’s Drive Sense is a car insurance program that measures how much you drive. Esurance analyzes your driving habits and trends using data from your mobile device to provide you with a more accurate insurance quote. To save money on your car insurance, steer clear of risky driving behaviors including rapid braking, speeding, and late-night excursions. Esurance estimates that clients save $100 on average per insurance policy when using DriveSense.

Fast 5 discount

This promotion will save you 5% on your first Esurance insurance policy.

Multi-policy discount

Customers that insure several lines of business with Esurance get a multi-policy discount. If you buy any of the following things at the same time, you could receive a discount.
Esurance customers may take advantage of this discount on whatever policy they choose.

  • Auto and home
  • Auto and motorcycle
  • Auto, home, and motorcycle

It is possible to save up to 10% on your premium by paying it in advance.

Multi-car discount

There is a discount offered by Esurance if you insure more than one vehicle with the company at the same time.

Claim-free discount

The mentioned driver must have had at least five years of driving experience before applying for the discount, and all policyholders must have been claimed and DUI/DWI free for the preceding five years.

Emergency road assistance discount

A membership in an emergency roadside assistance group like AAA or another one may result in a 5% reduction in your car insurance prices.

Online shopper discount

If you buy your Esurance insurance online, you’ll save a little money.

Good driver discount

If you’ve held your license for three years and only have one moving violation on your record, you may be eligible for a 30-40 percent insurance cost decrease.

Good student discount

This sum will be deducted from your liability, collision, and medical payments coverages. to qualify for this reduction you must be:

  • Full-time student
  • Under 25 years old
  • 3.0 GPA or better

Defensive driver discount

This promotion is governed by a different set of laws in each state. Anyone 50 and above who has completed a state-approved defensive driving course qualifies. Your age doesn’t matter whether you live in New York, New Jersey, Georgia, or Oklahoma.

Discounts based on your vehicle’s safety features:

  • Safety device discount
  • Anti-theft discount
  • Anti-lock brakes discount

Is Esurance auto insurance a good choice?

As an Allstate business, Esurance insures automobiles, homes, renters, and motorcycles across the United States. Esurance In order to make premiums cheap, the organization provides a variety of discounts and savings options. Esurance’s DriveSense telematics service encourages safe driving practices by offering discounts up to $100 to customers who enroll in the program.

The price of Esurance was the only thing we neglected to discuss in detail. Insuring a car is dependent on several factors, including where you live, what vehicle you drive, how old you are, and your driving record. A pricing quotation is the only way to find out whether Esurance is cost-effective. Find out how much Esurance and other vehicle insurance companies will charge you by entering your zip code below!

For another car insurance review, visit our review of Co-Operative Car Insurance Review.