Elephant Auto Insurance: What You Need To Know

Elephant Auto Insurance is a subsidiary of Admiral Group PLC, a British financial services and insurance company. Elephant Insurance has been in business since 2009 and is headquartered in Henrico, Virginia. The company offers auto insurance with a focus on cost-effectiveness and a wide range of discount opportunities. In addition to auto insurance, Elephant also provides other insurance products such as homeowners, renters, and life insurance. Elephant's auto insurance coverage includes liability insurance, comprehensive insurance, medical payments coverage, and more. The company has received mixed reviews, with some customers praising its competitive rates and easy online processes, while others have experienced issues with billing and claims handling. Elephant Auto Insurance is currently available in eight states, including Texas, Georgia, and Indiana.

Elephant Insurance's coverage options

Elephant Insurance offers a wide range of coverage options to its customers. The company provides all the standard types of car insurance coverages, including liability insurance, comprehensive insurance, collision insurance, and uninsured/underinsured motorist insurance. Elephant also offers several additional coverage options and services that customers can add to their policies.

Liability Insurance

Liability insurance is a required coverage in most states. It helps cover bodily injury and property damage costs when the policyholder is at fault in an accident. Liability insurance assists in paying for the injured person's medical bills or repairs to someone's vehicle.

Comprehensive and Collision Insurance

Comprehensive and collision insurance is a dynamic duo offered by Elephant. Comprehensive coverage helps protect your car from unexpected events, such as damage caused by weather, theft, or collisions with objects like trees or deer. On the other hand, collision insurance covers the cost of repairs to your vehicle if you're involved in an accident, regardless of who is at fault.

Uninsured/Underinsured Motorist Insurance

This coverage option is essential if you're in an accident with a driver who doesn't have sufficient insurance. It helps fill the gap if the at-fault driver's liability limits are too low to cover the medical expenses of anyone injured in the accident.

Medical Payments Coverage (MedPay) and Personal Injury Protection (PIP)

MedPay is an add-on coverage that assists with medical bills after an accident. Meanwhile, Personal Injury Protection (PIP) helps cover medical expenses and is often referred to as no-fault insurance.

Additional Coverage Options and Services

In addition to the standard coverages, Elephant offers several other options to enhance your policy:

• Loan/lease payoff coverage: This coverage helps reduce the remaining balance on your vehicle loan if your car is totaled in a covered accident.
• Rental reimbursement coverage: Elephant provides coverage for a rental car while your vehicle is being repaired after an accident.
• Upgraded accident forgiveness: This add-on provides immediate accident forgiveness, whereas the standard policy includes a three-year waiting period.
• Diminishing deductible: This option reduces your deductible for each year you go without an accident, rewarding safe driving.
• Non-owner car insurance: This coverage is designed for those who borrow others' cars or use car-sharing services, providing protection if you're in an accident.
• Custom parts and equipment coverage: This coverage ensures that any custom modifications or upgrades to your vehicle are included in the event of an accident.
• Realtime roadside assistance: Elephant offers a digital tracking service for roadside assistance, providing help with towing, jump-starts, and other emergencies.
• Legal Resources® Plan: This add-on provides access to legal assistance for various situations, such as contesting a moving violation or creating a will.
• Pet injury coverage: Elephant offers up to $1,000 of pet injury coverage at no cost if your cat or dog is injured in a covered claim.

Discounts and Savings Opportunities

Elephant Insurance also provides numerous discounts to help lower your premiums:

• Early bird discount: Save up to 10% by starting your policy with Elephant at least five days before your current policy renews.
• Multi-car insurance discount: Insuring more than one vehicle with Elephant can lead to significant savings.
• Going green discounts: Choosing eco-friendly options like e-signatures and paperless billing can reduce your premium.
• Claims-free discount: Responsible driving and a good track record can lead to lower rates.
• Online quote discount: Setting up your insurance plan online through Elephant's website can earn you a discount.
• Pay-in-full discount: Paying your policy premiums upfront can result in savings, as it reduces payment processing costs.
• Good student discount: High school and college students maintaining a B average or above are eligible for discounts.
• Responsible driver discount: If you've been accident-free for a certain period, Elephant offers reduced rates.
• Multi-policy discount: Bundling your auto insurance with other coverages, such as homeowners or life insurance, can lead to additional savings.

Elephant Insurance's discounts

Elephant Insurance offers a wide range of discounts to help lower your premiums. Here are some of the key Elephant Insurance discounts:

Multi-Car Discount

If you insure more than one vehicle with Elephant, you can get a discount on your premium. This can be a significant saving, with some customers saving up to 39% by insuring all their household vehicles with Elephant.

Multi-Policy Discount

You can also save money by bundling your auto insurance with other types of insurance, such as homeowners, renters, motorcycle, or life insurance. The exact discount will depend on the combination of policies, but bundling auto and homeowners insurance can save you up to 12%.

Early Bird Discount

If you start your policy with Elephant at least five days before your current policy expires, you can save up to 10% on your premium.

Good Student Discount

Elephant offers discounts for high school and college students who maintain good grades, typically a B average or above.

Claims-Free Discount

If you have a clean driving record and haven't had an accident in a while, Elephant will reward you with lower rates.

Responsible Driver Discount

Similar to the claims-free discount, Elephant offers reduced rates for drivers who have been accident-free for a certain period.

Pay-in-Full Discount

You can save money by paying your policy premiums upfront. Elephant passes on the savings from lower payment processing costs to its customers. The exact amount you can save varies, but it can be as much as 15%.

Paperless and Electronic Signature Discounts

By choosing paperless billing and electronic signatures, you can save money and help the environment. The paperless discount can save you up to 3% on your premium, while the electronic signature discount can save you around 18%.

Work-from-Home Discount

If you work from home and spend less time on the road, Elephant offers discounted premiums.

Online Quote Discount

Simply by setting up your insurance plan online, you can receive a discount of around 3%.

Homeowner Discount

If you own your home, whether it's a house or a condo, you automatically qualify for Elephant's homeowner discount.

These are just some of the many discounts offered by Elephant Insurance. The company is committed to helping customers save money and provides a variety of ways to lower your car insurance premiums.

Elephant Insurance's customer reviews

Elephant Insurance has received mixed reviews from its customers. On Google, the company has an average rating of 4.2 out of 5 stars from over 3200 reviews. However, on the Better Business Bureau (BBB) site, Elephant Insurance has a rating of just 1.1 stars. The company's parent company, Admiral Insurance Group, has received an A+ rating from the BBB.

Customer reviews of Elephant Insurance are varied. Some customers praise the company for its competitive rates, efficient claims handling, and courteous staff. One customer review on WalletHub states:

> "Outstanding service. My claim was handled in 24 hrs. Can't ask for better. I will tell all my friends about a great insurance company called Elephant."

However, other reviews highlight issues with claims processing, billing, and customer service. One reviewer on WalletHub wrote:

> "The Worst on Claims Processing-Elephant Insurance - Elephant Insurance is the worst car insurance provider I ever used. They totaled out my son’s car after someone side swiped him. [...] They never return calls or emails."

Another review on WalletHub mentions issues with unexpected fees and a problematic cancellation process:

> "I don't mind paying fair rates if the company is consistent and clear about what I'm paying for but they're just so shady and feels like they're just trying to milk your money. Glad I'm out and would not recommend this insurance to anyone."

Overall, Elephant Insurance has received a higher volume of consumer complaints than many of its competitors, with the National Association of Insurance Commissioners (NAIC) registering more customer complaints about Elephant Insurance than the average for all insurers.

Elephant Insurance's claims process

Elephant Insurance is a car insurance company that 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 Insurance has limited availability, providing coverage only in Georgia, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

Elephant Insurance Claims Process

The Elephant Insurance claims process can be initiated by filing a claim using the company's online claims filing tool, which is available 24/7. A representative from Elephant Insurance will then follow up with the claimant. The status of the claim can be easily tracked through the claimant's online account.

For new claims, Elephant Insurance's customer service team is available Monday through Friday from 8:00 AM to 7:00 PM Eastern Time. For existing claims, their hours are Monday through Friday from 8:00 AM to 5:00 PM Eastern Time. Glass claims can also be filed online or over the phone by calling 1-800-413-8860.

It is important to note that Elephant Insurance, like other profitable insurance companies, is experienced in denying claims and asking tricky questions during the claims process. Some reviewers have reported issues with the company refusing to cover certain car repairs and inefficient communication with insurance agents. Therefore, it may be advisable to seek legal advice or assistance when filing a claim with Elephant Insurance to ensure a fair outcome.

Elephant Insurance's availability

Elephant Insurance has been in the business of providing insurance since 2009 and is headquartered in Henrico, Virginia. The company offers insurance services to drivers in only eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. Elephant Insurance has an A+ rating from the Better Business Bureau (BBB).

The company offers a wide range of insurance products and coverages, including customized car insurance, liability, collision, comprehensive, and full coverage. Elephant also provides additional services such as rental reimbursement, upgraded accident forgiveness, and diminishing deductible.

In addition to car insurance, Elephant offers a variety of other insurance options, including homeowners insurance, renters insurance, motorcycle insurance, and life insurance. Customers can also bundle their policies to receive a multi-policy discount on their insurance premiums.

Elephant Insurance is known for its affordable rates, with an average policyholder paying around $136 per month for coverage. The company offers a broad discount program, including multi-car, safe driver, and pay-in-full discounts. However, Elephant Insurance has limited customer service and claims help, with only limited hours available for these services.

Frequently asked questions