Elephant Auto Insurance: Cheap Rates, Big Benefits

Elephant Insurance is a property and casualty insurer that offers car insurance in eight US states. The company was founded in 2009 and is a subsidiary of the UK-based Admiral Group. Elephant Insurance is known for its competitive rates, with an average monthly rate for minimum liability coverage of $67. The company offers various discounts, such as multi-car and safe driver discounts, which can lead to significant savings on insurance premiums. However, Elephant Insurance has received mixed reviews regarding its claims processing, with some customers reporting issues with slow claims service and unresponsive handling.

Elephant Insurance offers a range of discounts to customers

For example, safe drivers can benefit from coverages like accident forgiveness and diminishing deductibles. Elephant also offers a 15% policy discount for quoting online, which is significantly higher than similar discounts offered elsewhere. Other common discounts include good student and safety features. Elephant advertises that customers can save up to 40% through their various discounts.

Additionally, Elephant provides unique add-ons like pet injury coverage, discounted car repairs, and legal support after a driving incident. Their diminishing deductible feature reduces the deductible by $100 for each accident-free year, up to a maximum of $500. Elephant also offers a paid legal resources plan, which provides a 25% discount on attorney services and covers the fees for one minor traffic violation per year.

By taking advantage of the various discounts and unique coverage options offered by Elephant Insurance, customers can obtain cheap and comprehensive auto insurance policies.

The company has a high volume of customer complaints

Elephant Insurance has received a high volume of customer complaints, with the company's NAIC rating of 1.87 indicating a greater number of complaints compared to the average competitor, adjusted for size. The Better Business Bureau (BBB) has recorded 183 customer complaints against Elephant Insurance over the past three years, which is relatively high for a smaller, regional insurance company.

Yelp reviews further reinforce this trend, with a total of 31 reviews resulting in a 1.5-star rating. Pissed Consumer, another review platform, shows a similar pattern, with 216 reviews and an overall rating of 1.5 stars. The majority of complaints across these platforms centre around slow claims service, unresponsive claims handling, and issues with claims processing.

The high volume of customer complaints against Elephant Insurance suggests that the company may need to address concerns related to their claims handling processes to improve customer satisfaction.

Elephant's customer service is rated as poor

Elephant Insurance is a property and casualty insurer that was founded in 2009. The company offers car insurance, homeowners insurance, umbrella insurance, and more. Elephant Insurance is a subsidiary of Admiral Insurance Group, a large UK insurance company that has received good ratings for its financial stability and ability to pay out claims.

While Elephant Insurance has received positive reviews from some customers who praise its competitive rates, easy online application process, and helpful customer service, there have also been numerous complaints about its claims processing and customer service. The National Association of Insurance Commissioners (NAIC) reports that Elephant has received 65% more complaints than a typical insurance company of its size, with the main issues relating to billing and claims processing.

Customer reviews on sites such as WalletHub, Yelp, and Pissed Consumer reflect similar concerns, with many people expressing frustration over slow claims service, unresponsive claims handling, and poor customer service. The Better Business Bureau (BBB) has also accredited a high number of customer complaints, with 183 complaints filed in the past three years, which is relatively high for a regional insurance company.

Overall, while Elephant Insurance may offer cheap rates, its high volume of customer complaints and poor ratings in customer service suggest that its customers are not satisfied with the level of service they receive.

The company offers a variety of insurance types

Elephant Insurance offers a variety of insurance types to its customers. The company provides auto insurance, homeowners insurance, renters insurance, motorcycle insurance, off-road vehicle insurance, and umbrella insurance. Elephant also offers bundling options, allowing customers to combine multiple insurance policies for added convenience and savings.

For auto insurance, Elephant provides the standard types of coverage, including liability, comprehensive, collision, uninsured/underinsured motorist, personal injury protection, and medical payments coverage. They also offer several add-on options, such as accident forgiveness, loan/lease gap coverage, diminishing deductible, roadside assistance, rental reimbursement, and custom parts and equipment coverage.

In addition to their range of insurance products, Elephant Insurance stands out for its focus on customer service and affordability. The company aims to guide customers to the right choices at the best prices and has a variety of discounts available, making their insurance plans accessible to a wide range of individuals.

Elephant Insurance is only available in certain states

Elephant Insurance is a property and casualty insurer that was founded in 2009. The company offers car insurance, homeowners insurance, umbrella insurance, and more. Elephant Insurance is only available in certain states, including Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. In these states, Elephant Insurance provides a range of coverage options and discounts to its customers.

The company's auto insurance policies are sold online and over the phone through licensed agents. Elephant Insurance's US headquarters are in Henrico, Virginia, and they sell policies in that state as well as in the states mentioned above. The company's parent company, Admiral Group plc, is a UK-based insurance company with a strong financial presence in the United Kingdom.

While Elephant Insurance offers affordable rates and good discounts, it has received mixed reviews from customers. Some customers have praised the company for its competitive rates, easy online application process, and helpful customer service. However, others have reported issues with claims processing and billing, which are common concerns with many insurance companies.

Overall, Elephant Insurance is a reputable and financially stable insurance provider, but it is important for customers to carefully evaluate their offerings, customer service, and reputation before making a decision.

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