Esurance Life Insurance: What You Need To Know

Esurance is a digital insurance provider and subsidiary of Allstate, one of the largest insurance companies in the United States. Esurance offers a range of insurance products, including car, homeowners, renters, and motorcycle insurance. The company was founded in 1999 and was one of the first to sell car insurance online. Esurance is known for its user-friendly website and mobile app, which allow customers to manage their policies, file claims, and obtain quotes with ease.

In addition to its convenient digital platform, Esurance provides customers with a variety of discounts and savings opportunities. These include multi-policy discounts, safe driving discounts, and rewards for referring friends and family to the company. Esurance also offers optional coverage options such as roadside assistance, rental car coverage, and identity theft coverage.

While Esurance has received mixed reviews for customer satisfaction and complaints, it maintains an A+ rating for financial stability from A.M. Best, indicating its ability to pay out claims. Esurance stopped writing new insurance policies in March 2023, but existing policies will continue to be serviced, and customers can still access the website and receive quotes through Allstate.

Esurance's mobile app

Esurance offers a mobile app for both iOS and Android devices, designed to help users manage their insurance policies. The app has a sleek and intuitive design, with simplified navigation and new policy info pages. Users can log in using a fingerprint scan and access a range of features.

The Esurance app allows users to manage their policies by checking coverages, adding or editing vehicles, and filing claims. In the event of an accident, users can submit damage photos for appraisal and save accident information, including photos, for future reference. The app also provides easy access to insurance ID cards, which can be used as digital proof of insurance in some states.

One of the most useful features of the app is the roadside assistance function. Users can select the service they require, such as lockout, tow, or gas, and find nearby service providers with just a few taps. Real-time updates and tracking of the rescue on a map are also available. The app also helps users locate useful amenities, such as gas stations or local shops, without having to leave the app.

The Esurance mobile app also enables users to manage their repairs. Users can view and send photos of their vehicle repairs, contact their dedicated claims representative directly, and track the progress of their repairs. Additionally, users can pay bills, update contact information, change policy payment dates, and update payment methods, all from within the app.

Overall, the Esurance mobile app provides a convenient and comprehensive platform for users to manage their insurance policies and access various features and services related to their vehicles.

Esurance's customer satisfaction

Esurance, a subsidiary of Allstate, is an online insurance company that offers competitive rates and a generous list of discounts. The company has an average customer satisfaction rating, with some reviews praising their good customer service and fairly low prices, while others criticise their poor customer service and unexpected fees.

Customer Satisfaction Ratings

Esurance has a WalletHub user rating of 3.5/5, with reviews citing good customer service and affordable prices. However, WalletHub editors give the company a rating of 3.0/5, noting that Esurance has received significantly more complaints than the average car insurance provider. Delayed claims payouts and unexpected fees/rate increases are among the biggest complaints reported by customers.

According to J.D. Power, Esurance earned a customer satisfaction score of 836 out of 1,000, which is just above the industry average of 835. This indicates that Esurance's customer satisfaction is slightly above average.

However, Esurance's National Association of Insurance Commissioners (NAIC) complaint index report shows that the company received more complaints than the industry average. The national median for the complaint ratio is 1.00, but Esurance received a score of 2.87, indicating a higher-than-average number of complaints relative to its size.

Customer Reviews

While some customers praise Esurance for their competitive rates, generous discounts, and easy-to-use website, others have expressed disappointment with their customer service. There are several negative reviews mentioning issues with delayed claims payouts, unexpected fees, and rate increases. Some customers have also shared experiences of feeling interrogated and disrespected by Esurance's claims agents.

Overall, Esurance's customer satisfaction ratings are mixed, with some customers reporting positive experiences while others express dissatisfaction with the company's service.

Esurance's pricing

Esurance is an online insurance company that offers competitive rates and generous discounts. Their prices are based on factors such as the type of car you drive, your ZIP code, your insurance history, and your driving record and experience. Esurance has been reviewed as having above-average rates compared to other national insurers, with some customers complaining of unexpected fees and rate increases.

The average cost of Esurance car insurance for a 42-year-old man is $223 per month. However, rates vary depending on the driver's age, driving history, and other personal details. For example, Esurance's annual rates for an 18-year-old female driver were 3% cheaper than average but 72% higher than Geico's. Similarly, Esurance's rates for an 81-year-old female driver were 6% cheaper than average but 21% higher than Progressive's.

Esurance offers various discounts that can help lower the cost of premiums. These include good driver (up to 40% off), vehicle safety (up to 33% off), and 5% off for trying DriveSense®, their telematics program. They also offer a switch and save discount, which gives new customers an average discount of $462 when they switch from another insurance company.

Esurance also provides additional coverage options, such as emergency roadside service, rental car reimbursement, and loan/lease coverage, which can increase the overall cost of the policy.

In terms of customer service, Esurance has received mixed reviews. Some customers have reported issues with delayed claims payouts, unexpected fees, and rate increases. Esurance has a rating of 2.94 from the National Association of Insurance Commissioners (NAIC), indicating that they have received more customer complaints than the average insurer of their size.

Overall, while Esurance offers competitive rates and discounts, customers should be aware of potential issues with customer service and claims handling.

Esurance's coverage

Esurance is a digital insurance provider that offers a range of insurance products, including car, homeowners, renters, and motorcycle insurance. They are a subsidiary of Allstate, one of the largest insurance companies in the United States, and benefit from their financial strength and stability. Esurance offers a convenient and user-friendly platform for customers to manage their policies and file claims.

Esurance Insurance Coverage

Esurance offers a range of coverage options to protect their policyholders from various risks. Here is a breakdown of their insurance coverage:

• Auto Insurance: Esurance provides auto insurance coverage for cars, motorcycles, and other vehicles. Their coverage options include liability coverage, collision coverage, comprehensive coverage, and uninsured motorist coverage. Policyholders can also add optional coverage, such as roadside assistance, rental car coverage, and loan/lease gap coverage.
• Homeowners Insurance: Esurance offers homeowners insurance coverage to protect policyholders' homes and personal belongings. Their coverage options include dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage. Optional coverage includes water backup coverage, earthquake coverage, and identity theft coverage.
• Renters Insurance: Esurance renters insurance policies protect personal belongings in the event of theft, fire, or other covered events. Their coverage includes personal property coverage, liability coverage, and additional living expenses coverage. Optional coverage includes water backup coverage, earthquake coverage, and identity theft coverage.
• Life Insurance: Esurance life insurance coverage helps policyholders protect their loved ones in case of an unexpected event. They offer term life insurance and whole life insurance, allowing policyholders to choose the coverage amount and term that best suits their needs.

Esurance strives to make insurance accessible and affordable by offering customizable coverage options and flexible payment plans.

Esurance's financial stability

Esurance is a fully digital insurance company that is backed by Allstate, a highly-rated insurer. Esurance has an A+ (Excellent) financial strength rating from AM Best due to its parent company, Allstate. Esurance is therefore considered financially stable and able to pay out potential claims.

Frequently asked questions