Does Elephant Auto Insurance Cover Salvage Cars?

Elephant Auto Insurance offers a range of insurance products and coverages, including liability, collision, comprehensive, and full coverage. They also provide additional services such as roadside assistance, rental reimbursement, and accident forgiveness. Elephant's insurance is available in only eight states: Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, Virginia, and Georgia. The company is known for its affordable rates, with customers saving up to $600 on average when switching to Elephant. However, Elephant has received more customer complaints than expected, particularly regarding claims processing and unsatisfactory offers.

Does Elephant Insurance offer full coverage for salvage vehicles?

Elephant Insurance offers a wide range of car insurance coverage options, including full coverage. However, it is unclear whether they offer full coverage for salvage vehicles. Salvage vehicles are typically defined as cars that have been damaged and deemed a total loss by an insurance company. Since Elephant Insurance does not explicitly mention salvage vehicles in their list of coverage options, it is best to contact them directly to inquire about specific coverage for salvage vehicles.

Elephant Insurance provides various standard coverage types, such as liability, comprehensive, collision, and uninsured/underinsured motorist insurance. They also offer additional coverage options, including loan/lease coverage, rideshare insurance, custom parts and equipment coverage, legal services, non-owner car insurance, pet injury coverage, rental reimbursement, and roadside assistance.

The company also has several policy add-ons available, such as accident forgiveness, loan/lease gap coverage, and a diminishing deductible. Elephant Insurance is known for offering affordable rates and a wide variety of discounts, which can help reduce the cost of coverage.

It is important to note that Elephant Insurance has received mixed reviews from customers, with some praising the company for its competitive rates and others expressing concerns about price increases and issues with the claims process.

What discounts does Elephant Insurance offer?

Elephant Insurance offers a range of discounts to its customers. The company aims to provide affordable rates and a variety of coverage options. Here are some of the notable discounts offered by Elephant Insurance:

Multi-Car Discount

Elephant offers a discount of up to 46% for customers who insure all their vehicles under one policy. This discount rewards customers for their efficiency and loyalty.

Early Bird Discount

Customers can get up to a 10% discount by switching to Elephant Insurance at least five days before their current policy expires. This discount encourages customers to make the switch early and rewards them for their timely decision.

Multi-Policy Discount

By bundling different types of insurance policies, customers can save a significant amount. For example, bundling auto insurance with homeowners insurance can save up to 12% on premiums, while bundling with renters, condo, motorcycle, or life insurance can result in a discount of up to 4%.

Homeowners Discount

Elephant offers a discount specifically for homeowners. If a customer owns a house or a condo, they automatically qualify for this discount.

Claims-Free Discount

The claims-free discount rewards responsible driving. Customers who haven't had an accident in a certain number of years (usually five years) are eligible for this discount.

Student Discount

Full-time students under the age of 25 who maintain good academic performance (a GPA of 3.0 or a B average) are eligible for a student discount.

Work-from-Home Discount

Recognizing that those who work from home drive less, Elephant offers a discount to customers who spend less time on the road.

Pay-in-Full Discount

Customers who pay their policy premiums upfront can save between 8% and 15% on their car insurance premiums. Elephant encourages upfront payments as it helps them save on payment processing costs.

Electronic Signature Discount

By choosing to use an electronic signature for purchasing and updating policies, customers can save up to 3% on average.

Paperless Account Discount

Similar to the electronic signature discount, customers who opt for paperless billing can save an average of 3%.

Online Quote Discount

Elephant offers an average discount of 3% for customers who obtain their insurance quotes online.

What is Elephant Insurance's customer service like?

Elephant Insurance offers a range of insurance products and coverages, including car, homeowners, renters, motorcycle, and umbrella insurance. They pride themselves on being the "friendly, trusted car insurance experts" who are "serious about guiding [customers] to the right choices at the best price."

The company has received mixed reviews from customers. On Google, Elephant Insurance has an average rating of 4.2 out of 5 stars from over 3,200 reviews, while it holds a 1.1-star average from reviewers on the Better Business Bureau (BBB) site. However, 9 out of 10 customers renew with Elephant each term, and the company has an average Google rating of 4.7 stars. Elephant Insurance has also been named a Forbes America's Best Insurance Company in 2023.

Positive reviews highlight Elephant's competitive rates, high customer satisfaction, and convenient online tools. Customers have praised Elephant's customer service, with some describing the staff as "exceptional," "courteous, helpful, and so easy to deal with," and always providing "good customer service." The company's claims team and repair network have also been commended for their responsiveness and helpfulness.

On the other hand, negative reviews cite issues with price increases over time, refusal to cover certain car repairs, and inefficient and hard-to-reach insurance agents. Some customers have also had negative experiences with the claims process, including delays in processing and issues with obtaining courtesy cars.

Elephant Insurance offers various ways to get in touch, including through their mobile app, online account access, phone, and email. Their licensed agents and online tools aim to answer questions clearly and concisely, without the use of jargon.

What types of insurance does Elephant Insurance offer?

Elephant Insurance offers a variety of insurance products and coverages, including car, homeowners, motorcycle, and umbrella insurance. They provide customized car insurance, liability, collision, comprehensive, and full coverage. Elephant also offers additional car insurance coverages and services such as MedPay, personal injury protection (PIP), rental reimbursement, upgraded accident forgiveness, and diminishing deductible.

Car Insurance

Elephant auto insurance provides the standard types of car insurance offered by most providers. This includes liability car insurance, which covers injuries and property damage caused by the policyholder to someone else. Comprehensive insurance, which covers repairs or replacement of the vehicle due to issues like theft, vandalism, floods, or accidents, is also offered. Collision insurance, which covers repairs or replacement of the car due to collisions with another object or vehicle, is another option. Elephant also provides uninsured/underinsured motorist insurance, which covers injuries to the policyholder and their passengers if they are hit by a driver without liability insurance or with insufficient liability insurance. Personal injury protection (PIP), which covers medical bills, lost wages, and funeral services for the policyholder and their passengers in the event of an accident, is available in some states. Medical payments coverage (MedPay) is also offered, which covers medical bills for the policyholder and their passengers regardless of who is at fault in an accident.

Additional Car Insurance Coverages

In addition to the standard coverages, Elephant offers several additional car insurance coverages and services. These include MedPay and personal injury protection (PIP), which cover medical expenses resulting from an accident. Rental reimbursement provides coverage for a rental car or substitute transportation if the policyholder's car is in the shop due to a covered issue. Upgraded accident forgiveness waives the waiting period for accident forgiveness, meaning the policyholder is immediately eligible to have their next at-fault accident waived without an increase in their premium. The diminishing deductible option reduces the policyholder's deductible for each year they go without an accident.

Other Types of Insurance

Elephant Insurance also offers other types of insurance, including homeowners insurance, motorcycle insurance, and off-road vehicle insurance. Customers can bundle these policies with their car insurance for additional savings.

What is Elephant Insurance's reputation?

Elephant Insurance has a reputation for offering affordable rates for one-year insurance terms. The company typically offers cost-effective rates to its policyholders and a wide range of discount opportunities. Elephant Insurance has an A+ rating from the Better Business Bureau (BBB) and an average of 4.2 stars out of 5.0 on Google from over 3,200 reviews. However, it has a 1.1-star average from reviewers on the BBB site. Elephant Insurance's customer service has mixed reviews, with some customers praising the company for its competitive rates, while others complain about steep price increases and issues with inefficient and hard-to-reach insurance agents.

Elephant Insurance offers a variety of insurance products and coverages, including customized car insurance, liability, collision, comprehensive, and full coverage. The company provides standard car insurance options such as liability, uninsured and underinsured motorist coverage, comprehensive and collision coverage, MedPay and PIP, and custom parts and equipment coverage. In addition, Elephant Insurance offers several add-on options, including roadside assistance, accident forgiveness, diminishing deductible, rental reimbursement, pet injury coverage, and legal resources.

Elephant Insurance is known for its extensive coverage choices and outstanding prices. The company has been in business since 2009 and is headquartered in Richmond, Virginia. Elephant Insurance is a subsidiary of Admiral Group PLC, one of the leading insurers in the United Kingdom. The company serves customers in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

Elephant Insurance has a Net Promoter Score that is 32% higher than the industry average for car insurance. This score reflects customers' satisfaction with the company's products and services. According to Elephant Insurance, 9 out of 10 customers renew with the company, and 89% of customers stayed with Elephant at renewal in 2022.

Overall, Elephant Insurance has a reputation for providing affordable rates, a wide range of coverage options, and many discount opportunities. However, the company's customer service has received mixed reviews, and its availability is limited to only eight states.

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