Esurance Auto Insurance: Is It Worth The Hype?

Esurance is a good auto insurance company for those who want to manage their policies online or through a mobile app. The company is backed by Allstate and offers a range of insurance products, including auto, homeowners, renters, and motorcycle insurance. Esurance's rates are generally above average, but the company offers some discounts, including for bundling policies and signing up online. Customer satisfaction ratings are mixed, with some reviews indicating high levels of customer complaints. Overall, Esurance is a convenient option for tech-savvy individuals who prefer to manage their insurance digitally.

Esurance's mobile app is highly rated but its customer service is poor

Esurance's mobile app is highly rated, but its customer service is poor. The company is a fully digital insurance provider, ideal for tech-savvy drivers who prefer to manage their policies and file claims through their mobile devices. The Esurance app is rated 4.8 out of 5 stars by iPhone users and 4.6 out of 5 stars by iPhone and Android users combined. It allows customers to manage their policies, file and track claims, submit photos and videos, and contact their claims representative.

However, Esurance has below-average auto claims satisfaction, with many policyholders complaining of delays. The company has a higher-than-average number of complaints lodged against it with the National Association of Insurance Commissioners (NAIC). Esurance's NAIC Complaint Index is 2.87, compared to the national median of 1.00. It also has a poor rating from J.D. Power, scoring 836 out of 1,000 for customer satisfaction.

Esurance is a brand owned by Allstate and is no longer selling insurance policies to new customers. Existing customers are not affected by this change, but as Allstate improves its technology, Esurance will be phased out over the coming years.

Esurance's rates are well above average

Esurance's rates are also higher than average for minimum coverage. Its average annual rate for minimum coverage is $728, compared to the national average of $633.

Esurance's rates are also higher than average for young drivers. Its average premium for a young driver on their parents' policy is $3,496, compared to the national average of $2,329.

Esurance's high rates are likely due to the company's limited discount options. For example, Esurance only offers a discount for bundling insurance policies, which is a common discount offered by many insurers. Esurance also offers a discount for signing up online and for homeowners, but these are not common. In contrast, other insurance companies offer a wider range of discounts, which can help lower rates.

Esurance offers a discount for bundling insurance policies

Esurance offers a discount for bundling auto insurance with other types of policies, such as homeowners, renters, or motorcycle insurance. This is a common feature of insurance companies, as bundling insurance policies can save you money and is more convenient for making claims and payments.

Esurance is best for people who want to buy their auto insurance policies online and bundle their auto insurance with other types of insurance. However, it is not the best company for customer service, as it has higher-than-average rates of customer complaints.

Esurance also offers a discount for bundling home and auto coverage. This is a common feature among insurance companies, as it saves customers money and provides the convenience of having all policies in one place.

The amount you can save by bundling insurance policies depends on the company and your specific situation. It's important to compare rates from different companies and consider all available discounts before making a decision.

In addition to bundling discounts, Esurance offers a variety of other discounts, such as paying your premium in full upfront, having safety features in your car, and being a good student.

Overall, Esurance has positive and negative aspects to consider. On the one hand, they have lower-than-average pricing and a user-friendly website and mobile app. On the other hand, they have high rates of customer complaints and their claims satisfaction rating is below average.

Esurance is not available in Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, Wyoming, or Washington, D.C

Esurance is unavailable in Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, Wyoming, and Washington, D.C. However, residents of these states can use the Esurance website to obtain a car insurance quote from one of the company's partner companies.

Esurance is a brand owned by Allstate, and it is being phased out over the coming years. This means that eventually, you will only be able to purchase a policy directly from Allstate.

Esurance is best for people who want to buy their auto insurance policies online

Esurance is a good option for people who want to buy their auto insurance policies online. The company is a fully digital insurance company that allows customers to manage their policies online or through a mobile app.

Esurance's strength lies in its mobile experience rather than its pricing and customer service. The Esurance app is highly rated, offering helpful claims functionalities that other insurers do not. Customers can easily access their insurance policy information, which is advantageous in the case of an accident. The website and mobile app allow Esurance policyholders to file a claim, submit photos, video chat with an appraiser, and track the claim's progress.

Esurance is also a good option for people who want to bundle their auto insurance with homeowners, renters, or motorcycle insurance. The company offers a discount for bundling insurance policies.

Frequently asked questions