Esurance car insurance company review

Esurance claims that they can save you hundreds of dollars on your car insurance. As an Allstate company, Esurance promises to make car insurance a simple and affordable act. With features such as ShareSmart and renters coverage, Esurance offers a wide variety of benefits with transparent policies that anyone can benefit from.

Esurance also provides a variety of resources that policyholders can use, including photo claims, DriveSesen, DIY home inspections, E-star repairs, and more. Your rates and conditions will vary depending on where you live. However, you can get a quote on the Esurance website.

The company also offers homeowners, motorcycle, life, and business insurance. Here’s what you need to know about Esurance, including what the company offers, pros and cons, and how to apply.

What is Esurance?

Esurance’s message is clear. The company strives to simplify the insurance process to make it affordable, painless, and transparent. Esurance, an Allstate company, was one of the first companies to offer car insurance online. They sold their first policy in 1999 and have expanded their coverage to 43 states since.

They have also added other insurance policies to their list of services, including homeowners, motorcycle, renters, and more. As a technology-driven company, Esurance prides itself on being born online. You can manage your account completely online through their mobile app. According to the company’s website, it only takes six minutes to get a quote online. Approximately 69% of all eligible photo claims are approved for payment within one day. The average amount of money you’ll save per year when you switch to Esurance is $462.

Other data facts from the company’s website claim that customers have switched to Esurance from these companies:

15%

from Progressive

14%

from Geico

8%

from State Farm

59%

from Farmer’s, Nationwide, Liberty Mutual, and more

Esurance states that they use resources, an innovative mindset, and almost 90 years of experience that Allstate has to offer to make their company successful. They focus on putting the customer first and claim to listen to customer feedback to better their company. Esurance is backed by Allstate, a leading protection company, and they claim that their customers can count on them to be there when they need it most.

What Does Esurance Offer?

Esurance is best known for offering car insurance. However, you can also get renters insurance, motorcycle insurance, and homeowners insurance with the company. Below you’ll find a breakdown of each service and what it offers.

Car insurance

Esurance’s car insurance policies fall into three categories:

  • Policies that protect your car
  • Medical policies that protect you and your passengers
  • Liability policies that help you save money

Basic car insurance coverages typically fall into three categories:

  • Coverage that protects your car (of course)
  • Coverage that protects you and your passengers (medical)
  • Coverage that protects your wallet (liability)

Some of these policies are required and others are optional. The first option, coverage that protects your car, is designed to get your car the repairs it needs to get back on the road. This includes the following:

Comprehensive coverage

this type of coverage protects your car for events that don’t involve a collision, such as a tree falling on your car, hail, a car fire, or running into an animal. You’ll also be covered if your car gets stolen. This type of coverage is sometimes known as “other than collision.”

Collision coverage

this type of coverage protects your car during collisions. If you rear-end someone, hit a tree, or run into a fence, then you’ll be covered. You’ll also be covered if you hit another car or another car runs into you.

Emergency roadside assistance

this type of coverage helps you out if you get stuck on the road due to an emergency, such as when your car breaks down and leaves you stranded. This coverage can help you get a tow truck, put a spare tire on, or bring you gas. It covers up to $75 per incident.

Rental car coverage

this type of protection reimburses you for the cost of a rental car if your insured vehicle cannot be driven due to an accident. You will need to have both collision and comprehensive coverage on your policy to add this feature. In some states, Esurance offers CarMatch Rental Coverage, which will reimburse you for the rental of a car that is comparable to the size and body type of your insured vehicle.

Loan or lease gap

this coverage helps you pay off your loan or lease if your car is totaled and you owe more than its worth. This coverage can pay up to 25% more than your car’s cash value to help you pay off your loan or lease. For example, if your car is totaled in an accident and the insurance company values it at $20,000 but you still owe $25,000 on it, then this coverage will help you pay the extra $5,000 that you owe.

Medical coverage can help pay for you and your passenger’s medical expenses if you are involved in an accident. Also known as med pay, this coverage will help you out even if you are responsible for the crash. It covers hospital bills, doctor visits, and even dental care.

Medical coverage also features personal injury protection (PIP) regardless of who was at fault (you or another driver). Some states call this feature “no-fault” insurance coverage because it covers your treatments even if you are at fault and no other drivers were involved.

Liability insurance can help you pay for medical care, damaged property, and lose wages for other drivers and passengers if you are at fault for an accident. Each state sets its own limits on minimums that each driver has to have on their policies. These numbers are expressed in a three-tier system. Using the example 25/50/15, here is what the numbers mean:

  • 25 refers to the maximum amount in thousands that the insurance company will pay toward injures for each person
  • 50 refers to the maximum amount of money the insurance company will pay for injuries for each incident
  • 15 refers to the maximum amount of money the insurance company will pay for property damage per incident

Esurance’s liability policy also offers the following features:

Property damage (PD) liability coverage

this type of coverage will help you pay the cost of repairing someone else’s property if you are at fault up to the limit you choose. For example, if you hit another car or slide into someone’s fence or house, then this coverage will help you pay to repair the damage.

Bodily injury (BI) liability coverage

this type of coverage will help you pay the cost of medical bills if you are at fault for injuring someone else in an accident. Most states require this type of coverage.

Uninsured/underinsured motorist property damage

this coverage is designed to protect your car if someone hits you and is either uninsured or doesn’t have enough insurance to pay for your property damage. This can help you cover your rental car costs, collision deductible, and other out-of-pocket expenses.

Uninsured motorist bodily injury liability

this type of coverage can protect you if you get into an accident with an uninsured driver. For example, if you are injured and have to take time off work, then this coverage can help you cover the costs of the medical bills for you and the people in your car if the person who injured you is uninsured (and they are at fault).

Uninsured motorist bodily injury liability

this type of coverage will help you pay the cost of repairing someone else’s property if you are at fault up to the limit you choose. For example, if you hit another car or slide into someone’s fence or house, then this coverage will help you pay to repair the damage.

Renters insurance

Renters insurance can help protect you and your belongings no matter where you rent from. This type of coverage will protect you from incidents, including burglary, a fire, or if someone else is injured in your apartment. It can help pay for personal property, personal liability, medical payments to other people, and additional living expenses.

At the time of this writing, Esurance renters insurance is available in the following states: Alabama Arkansas Georgia Idaho Illinois Indiana Iowa Kansas Louisiana Missouri Nebraska New Jersey Ohio Oklahoma Oregon South Dakota Tennessee Utah Virginia West Virginia Wisconsin

Homeowners insurance

Homeowners insurance protects you when bad things happen to your home, such as the following: Theft or vandalism, Falling objects, Cars crashing into your home, Explosions or fires, Lightning or wind damage, Damage from ice, snow, or sleet, Roof damage.

This type of insurance covers the structure of your house, shed, or gazebo. It also protects your belongings, such as your washer and dryer, TV, and other electronics. It also helps pay for a guest’s medical bills if they get hurt on your property. Additionally, you can protect things like your jewelry, art, and collectibles.

Motorcycle insurance

Although every state has their own rules for how much coverage you need, most motorcycle riders are required to have bodily injury and property damage coverage. This type of insurance helps cover medical bills or car repairs for the other driver if you are at-fault for an accident.

Optional coverage, such as collision or comprehensive, can help repaid your motorcycle if it was damaged in an accident, vandalism, or a weather-related event.

You can save on your motorcycle insurance by doing the following:

  • Completing an approved driving safety class and earning Esurance’s Safety Course discount
  • Bundle your policies by combining your Esurance auto and motorcycle policies to get a multi-policy discount
  • Switch insurance from another company to Esurance and save money

Esurance Special Features

In addition to providing multiple types of insurance, Esurance offers several special features that are worth noting. For example, the Esurance mobile feature allows you to pay your bills, obtain your proof of insurance, and make updates to your policy online anytime, no matter where you are.

You can also use the mobile app to get roadside assistance, update your contact information, add a new, view your ID card, and file a claim. You can also use the Esurance mobile app to make fast and secure payments, update your payment method and due date, and check your payment schedule.

Other notable features that Esurance offers include the following:

DriveSense

This feature can be used whether or not you are an Esurance customer. If you are an Esurance policy holder, then enrolling in DriveSense will get you an instant discount. DriveSense helps you track your driving for a discount each term. This feature works by logging your driving and drawing a map of your driving patterns and behaviors. It gives you weekly recaps on your trips and tells you when your driving is good. It also tells you what behaviors are not so good so that you can be a safer driver and save more money.

Here is how to get it:

1. Start a quote and you’ll be automatically enrolled in the program.

2. Enroll other drivers and you will save more money later on.

3. Check your inbox for a downloadable link.

4. Download the app and follow the setup steps.

Photo claims

Photo claims can be submitted easily from your phone. You can log into your account and upload pictures of your accident. The pictures should capture the damage done to your vehicle and others. This can help you get paid in one day.

Here is how to do it:

1. Use your smartphone to take pictures of your car and the other cars involved in the accident.

2. Upload the photos to your account using the mobile app.

3. Receive your payment.

E-star repairs

If you want Esurance to handle any repairs on your car after an accident, then use an E-star facility. Your repairs will be handled quickly by professionals with no hassle. Esuarance will guarantee repairs on your car for as long as you own it as long as you file your claim online. After that, an agent will help you find an E-star location where you can get your car fixed.

You can also handle the repairs yourself. All you have to do is use photo claims to submit photos and Esurance will appraise the damage and send the payment directly to you. Each E-star repair center features a state-of-the-art facility that follows environmental/EPA standards. Esurance monitors these facilities to ensure they provide the best service possible. There are 1,400 locations possible with expert technicians. Additionally, you can sign up to relieve text or email updates about your car.

DIY home inspection app

The DIY home inspection app allows you to save $50. When you purchase homeowners insurance through Esurance, download the DIY home inspection app and submit videos of your home inspection. The app will show you how to do it. Then you’ll instantly get a $50 discount.

This app helps replace the appointment that you inevitably have to make with a certified home inspector when you buy a house. Using the app to take a video of your home within 20 days of your policy start date allows you to skip this step and do it yourself. If you already had a bank inspection, then you can still earn the $50 discount by submitting your video.

Esurance: Pros and Cons

Esurance has a user-friendly interface that makes it easy to use. It also has interactive tools and money-saving mobile apps that enhance the user experience. This insurance is ideal for those who prefer to manage their own policies and have straightforward needs. It’s also ideal for those who want to get their quotes online.

Eusrance is offered in 43 states and you can get homeowners insurance in 31 of those states. Most people utilize Esurance for its car insurance policies. Here are some things we like and don’t like about it.

PROS

  • Notable car insurance features include roadside assistance, safe driver discounts, DriveSense, car match rental coverage, and gap coverage
  • There are numerous ways to get a discount
  • Homeowners insurance notable features include water backup coverage, fire department coverage, identify theft coverage, building code coverage, and many more
  • You can get a quote online and manage your account via your mobile app
  • You can save money when you switch to Esurance from another company
  • Bundle and save packages available
  • Competitive rates

CONS

  • You may need to download multiple apps to receive your discounts

How To Apply

You can go online to the Esurance website and get a free quote. According to the website, it takes less than six minutes to get a quote. To save you time, we recommend geting together any documents that you’ll need to provide Esurance with your necessary information before logging on.

Here is a list of information you might need if you are shopping for a car insurance quote:

Zip code, Full name, Date of birth, Stress address

After your enter this information, Esurance will look up your vehicle and insurance information to save you time and put together a quote.

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