Elephant Auto Insurance: Is It Worth The Hype?

Elephant Auto Insurance is a subsidiary of Admiral Group, a large insurer in the UK. Elephant Insurance has been in business since 2009 and is headquartered in Henrico, Virginia. The company offers auto insurance in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. Elephant Insurance has received mixed reviews from customers, with some praising the company for its competitive rates and easy online buying process, while others have complained about issues with billing, fees, and customer service. Overall, Elephant Auto Insurance is known for offering affordable rates and a wide range of discount opportunities, but it may not be the right choice for everyone.

Elephant Insurance's customer service

Elephant Insurance has been in business since 2009 and is headquartered in Henrico, Virginia. The company offers cost-effective rates and a wide range of discount opportunities. Elephant auto insurance is available in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

The company has an A+ rating from the Better Business Bureau (BBB) and an A+ (Superior) rating from AM Best, indicating reliability and a strong ability to pay out claims. Elephant's customer service team is described as courteous, helpful, and easy to deal with. The company also offers a seamless online quoting, buying, and self-management process for its competitively priced car insurance policies.

However, Elephant Insurance has limited hours for customer service and claims help, and some customers have reported issues with billing and fees. The company has also received complaints about its claims process, with some customers experiencing delays or having their claims denied.

Overall, Elephant Insurance offers a strong range of coverage options and discounts, making it a compelling choice for cost-conscious drivers seeking high-end coverage.

Elephant Insurance's pricing and discounts

Elephant Insurance has been in the business since 2009 and is known for its affordable rates and wide variety of discounts. The company typically offers cost-effective rates and a wide range of discount opportunities. Elephant Insurance has an A+ rating from the Better Business Bureau (BBB).

• Early bird discount: If you switch to Elephant from a different insurer at least five days before your current policy expires, you can save up to 10%.
• Multi-policy discount: If you bundle your auto insurance with other coverages, such as life or homeowners insurance, you will receive a discount.
• Multi-car discount: You will get a discount if you insure more than one vehicle with Elephant.
• Good student discount: Elephant offers discounts for high school and college students who maintain at least a B average in their classes.
• Responsible driver discount: If you have a clean driving record and have been accident-free for a certain period, you will receive reduced rates.
• Paperless account discount: You will get a discount if you choose paperless billing.
• Online quote discount: You will be rewarded with a discount for setting up your insurance plan online.
• Pay-in-full discount: Elephant offers lowered rates if you pay for your policy upfront for an entire year.
• Student away at school discount: You will get a discount if you have a student on your policy who leaves their car at home and attends school at least 100 miles away.
• Referral discount: You will receive a discount if you refer someone to Elephant or if someone recommends it to you.
• Work-from-home discount: If you work from home and spend less time on the road, you will get a discount.
• Electronic signature discount: You will get a discount if you use an electronic signature for your documents.

In addition to these discounts, Elephant Insurance also offers standard coverage options, including liability, collision, comprehensive, and full coverage. The company provides coverage in the following states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

Elephant Insurance's coverage

Elephant Insurance offers a range of coverage options for its auto insurance policyholders. The company provides the standard types of car insurance, including liability, comprehensive, collision, uninsured/underinsured motorist, personal injury protection, and medical payments coverage. Elephant also offers several additional coverage options, such as:

• Rental reimbursement: This coverage helps pay for a rental car if the insured vehicle is unable to be driven due to a covered loss.
• Non-owner car insurance: This policy is suitable for individuals who do not own a car but regularly drive a vehicle. It is also an option for those who need an SR-22 filing after a DUI or serious traffic violation.
• Loan/lease insurance: This add-on helps cover the difference between the depreciated value of the insured vehicle and the remaining loan amount, up to 25%.
• Legal assistance coverage: For a monthly fee, policyholders can add this coverage, which pays for legal fees associated with minor traffic violations. It also includes a discount on other legal services.
• Diminishing deductible: This option is available only with collision coverage. It reduces the collision deductible by $100 for yearly policies or $50 for six-month policies for each term the policyholder remains accident-free, up to $500.
• Custom parts and equipment coverage: Elephant automatically includes up to $1,000 in coverage for permanent enhancements to the vehicle, such as window tinting and custom paint jobs. This limit can be raised for a fee if the policyholder has collision and comprehensive insurance.
• YourMechanic: Elephant customers can access discounted rates for certain repair and maintenance services that can be performed at their home or office through the YourMechanic program.
• Accident forgiveness: If all drivers on the policy remain accident-free for three years, Elephant offers accident forgiveness, meaning their next at-fault accident will not result in an increased premium. Upgraded accident forgiveness can be purchased to waive the three-year waiting period.
• Pet injury coverage: Customers with collision insurance on their policy will receive up to $1,000 in coverage for veterinary bills if their pet is injured in a covered accident.

In addition to these coverage options, Elephant offers a seamless online quoting, buying, and self-management process. However, the company's customer service and claims help are limited to specific hours, and it only offers policies in eight states. Elephant Insurance has also received a higher-than-average number of customer complaints relative to its size, according to the National Association of Insurance Commissioners (NAIC).

Elephant Insurance's reviews

Elephant Insurance has received mixed reviews from customers. On Google, the company 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, the BBB gives Elephant an A+ rating and has given it accreditation since 2015. Elephant Insurance also has a Net Promoter Score that is 32% higher than the industry average for car insurance.

Positive reviews from customers mention Elephant's competitive rates, easy online buying process, and responsive customer service team. One reviewer praised Elephant for its commitment to customer service and efficient claims process. Another reviewer commended the company for its great customer service, stating that the staff are always courteous, helpful, and easy to deal with.

On the other hand, negative reviews cite issues with billing and fees, as well as concerns about denied or delayed claims. Some customers have also expressed frustration with the company's limited customer service and claims help hours. There are also reviews mentioning steep price increases over time and inefficient and hard-to-reach insurance agents.

Overall, Elephant Insurance offers a seamless online quoting, buying, and self-management process for competitively priced car insurance policies. However, the company's customer satisfaction ratings are mixed, and it has received a higher-than-average number of customer complaints relative to its size.

Elephant Insurance's availability

Elephant Insurance is available in eight US states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. The company sells insurance for cars, motorcycles, and off-road vehicles.

Elephant Insurance has been in business since 2009 and is headquartered in Henrico, Virginia. It is a subsidiary of Admiral Group, a large insurer in the UK. Elephant offers auto insurance, homeowners insurance, renters insurance, motorcycle coverage, life insurance, and umbrella coverage.

The company has an A+ rating from the Better Business Bureau (BBB). However, it has received mixed reviews from customers, with some praising its competitive rates and easy online buying process, while others have complained about billing and fees, as well as issues with inefficient and hard-to-reach insurance agents.

Frequently asked questions