Elephant Auto Insurance: Understanding Their Employee Drug Testing Policies

Elephant Auto Insurance is a subsidiary of the Admiral Group, a British insurance company. Elephant offers standard car insurance, including liability, collision, comprehensive, and uninsured motorist coverage. The company has been in business since 2009 and is only available in eight US states. Elephant auto insurance is known for its affordable rates, wide range of discounts, and mixed customer reviews. While insurance companies don't drug test potential customers, a positive test result after an accident can lead to negative consequences such as higher rates or denial of future coverage.

Elephant Insurance's coverage options and customer service

Elephant Insurance is a car insurance company that offers a range of coverage options and has a strong focus on customer service. The company was founded in 2009 and is currently available in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. Elephant provides all the basic types of car insurance that make up a standard full-coverage policy, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection, and medical payments.

In addition to the basic coverages, Elephant offers a variety of additional coverage options, such as accident forgiveness, custom parts coverage, pet injury coverage, rental reimbursement coverage, and gap insurance coverage. Elephant also offers a range of discounts to help lower premiums, including discounts for early shopping, paying in full, insuring multiple vehicles, eco-friendly options, and claims-free driving.

Elephant Insurance has a customer-centric approach and provides multiple tools to make managing policies and claims convenient for its customers. The company offers a mobile app, online account access, and a claims photo app to handle claims quickly and efficiently. Elephant also provides a highly-rated customer service experience, with a dedicated claims team and repair network. According to their website, 9 out of 10 customers renew with Elephant each term, and they have a 4.7-star rating on Google.

Overall, Elephant Insurance provides a comprehensive range of coverage options, competitive pricing, and a strong focus on customer service and satisfaction.

Elephant Insurance's pricing and discounts

Elephant Insurance is known for its affordable rates and wide variety of discounts. The company typically offers cost-effective rates and a range of discount opportunities to its policyholders. Elephant Insurance has an A+ rating from the Better Business Bureau (BBB).

Pricing

Elephant Insurance offers a variety of insurance products and coverages, including customized car insurance, liability, collision, comprehensive, and full coverage. The company provides standard coverage options like liability, collision, comprehensive, and uninsured motorist coverage.

Discounts

• Multi-policy discount: Customers can bundle their policies with homeowners insurance, renters insurance, motorcycle coverage, life insurance, and umbrella coverage. Those who buy multiple coverages from Elephant may receive a multi-policy discount on their insurance premiums.
• Early bird discount: Customers can save money by buying insurance early.
• Multi-car discount: Insuring more than one vehicle in your household can lead to significant savings with Elephant Insurance.
• Homeowner discount: If you own your home, you automatically qualify for the homeowner discount.
• Good student discount: Elephant Insurance offers considerable discounts for high school and college students who maintain at least a B average in their classes.
• Work from home discount: If you work from home and drive less, Elephant Insurance offers discounted premiums.
• Pay-in-full discount: Elephant Insurance offers savings for customers who pay their policy premiums upfront.
• Paperless account discount: Customers who opt for paperless billing can save money on their premiums.
• Electronic signature discount: Customers can save money by using electronic signatures for their documents.
• Online quote discount: Customers are rewarded with a discount for setting up their insurance plan online.

Pros and cons of Elephant Insurance

Elephant Insurance is a subsidiary of the Admiral Group, a major insurer in the United Kingdom. Elephant Insurance offers auto insurance in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. The company also sells other types of insurance, such as homeowners and renters, from other companies and offers bundling discounts in some states. Elephant sells policies directly to consumers, both online and over the phone.

Pros of Elephant Insurance

• Elephant Insurance offers a wide range of insurance products, including auto, home, renters, condo, motorcycle, life, and umbrella insurance.
• The company provides a variety of discounts, including multi-car, multi-policy, good student, and pay-in-full discounts.
• Elephant Insurance has a highly-rated mobile app that allows customers to manage their policies, make payments, and file claims.
• The company offers unique add-ons like pet injury coverage, accident forgiveness, and diminishing deductibles.
• Elephant Insurance has a strong financial rating and is able to pay its claims.

Cons of Elephant Insurance

• Elephant Insurance is only available in eight states, limiting its accessibility for customers outside of those states.
• The company has received a high number of complaints relative to its size, particularly regarding billing, rate hikes, and the claims process.
• Elephant Insurance does not have a mobile app for policy management or claims filing for home insurance customers.
• The company does not underwrite its own life insurance policies, and the only option available is term life insurance.

Elephant Insurance's reputation and experience

Elephant Insurance is a subsidiary of the Admiral Group, a United Kingdom-based financial services group. Elephant was founded in 2009 and has been a paperless company from the start, participating in several corporate sustainability initiatives. It is currently only available in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

Elephant offers a variety of insurance products, including auto, motorcycle, home, renters, life, and umbrella insurance. The company provides several add-on options for auto insurance, such as non-owner car insurance and custom parts and equipment coverage. Elephant also advertises a multitude of potential discount opportunities, including bundling policies, paying in full, electronic signatures, and more.

In terms of reputation, Elephant has received mixed reviews. On Google, it earns 4.2 out of 5 stars, while on Trustpilot, it scores 2.1 out of 5. The National Association of Insurance Commissioners (NAIC) reports that Elephant has a higher-than-average number of complaints, with a ratio of 2.39, compared to the baseline of 1.00. However, Elephant has a Net Promoter Score that is 32% higher than the industry average for car insurance, indicating that many customers are satisfied and likely to recommend the company.

Overall, Elephant Insurance is a relatively new company with a limited service area but offers a wide range of insurance products and discounts. Its reputation is somewhat mixed, with positive reviews praising its affordable rates and helpful agents, while negative reviews cite issues with the claims process, including delays and lack of communication.

Elephant Insurance's availability

Elephant Insurance is a subsidiary of the British insurer Admiral Group and has been in business since 2009. The company offers auto, home, renters, and condo insurance in eight U.S. states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. Elephant auto insurance is known for its affordable rates, wide range of discounts, and positive customer reviews regarding pricing, roadside assistance, and its mobile app.

Elephant's auto insurance is available only to residents of the eight states listed above. The company provides standard car insurance coverage, including liability, collision, comprehensive, and uninsured motorist coverage. Elephant also offers additional coverage options, such as roadside assistance, rental reimbursement, accident forgiveness, and pet injury coverage.

In addition to auto insurance, Elephant provides opportunities for customers to bundle their policies with homeowners insurance, renters insurance, motorcycle coverage, life insurance, and umbrella coverage. Bundling multiple insurance options can lead to reduced rates.

Overall, Elephant auto insurance receives positive reviews for its competitive rates and extensive coverage choices. However, it is important to note that the company has received some negative feedback for its customer service, communication, and rate hikes. Elephant's availability is limited to the eight states mentioned, and its insurance rates and discounts may vary across these states.

Frequently asked questions