Esurance Insurance Review & Ratings (2023)
This Esurance Insurance Review will cover Esurance Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Esurance Insurance A.M. Best rating is A+. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Feb 20, 2023
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The leading provider of online car insurance policies is Esurance, which has built a reputation as an online insurance company that provides fast and easy coverage at the lowest rates possible.
The Esurance company is not like other insurance providers, and does not have offices or independent brokers. Policies are sold online, not through brokers, and the reduced overhead is how they can offer low rates.
Highlights of Esurance Insurance:
- Offers a range of products and services, including competitive rates and discounts
- 24/7 customer support and a user-friendly mobile app
- A history of innovation and exceptional customer service
Esurance insurance is a leading online car insurance company that provides customers with a range of products and services, including competitive rates and discounts, 24/7 customer support, and a user-friendly mobile app. This review will explore the company’s history, mission, products and services, cost, discounts, and customer reviews, to help you make an informed decision when choosing an insurance provider.
Esurance insurance is an online car insurance provider that has been helping customers protect their vehicles since its founding in 1999. With a focus on innovation, Esurance has been able to offer customers a range of products and services, including competitive rates, discounts, and 24/7 customer support. The company also has a user-friendly mobile app that makes it easy to manage your policy, file a claim, or get a quote.
Esurance Insurance History and Mission
Esurance Insurance is an online car insurance provider that was founded in 1999. The company’s mission is to provide customers with affordable and convenient insurance options that meet their unique needs. Esurance aims to make the insurance process as easy as possible and is dedicated to providing exceptional customer service.
The company was founded with the goal of using technology to make insurance more accessible and affordable for consumers. With its focus on innovation and customer satisfaction, Esurance has grown to become one of the largest online car insurance providers in the United States.
Today, the company offers a range of insurance products, including car insurance, home insurance, pet insurance, and life insurance, as well as additional services such as 24/7 customer support, online account management, and a user-friendly mobile app.
Esurance’s mission is to provide customers with the insurance coverage they need at a price they can afford. To achieve this, the company utilizes technology to streamline the insurance process and offer customers a range of products and services that meet their needs. Whether you are looking for a simple policy or a more comprehensive coverage plan, Esurance can help you find the right insurance solution for your needs.
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Products and Services Offered by Esurance Insurance
Esurance Insurance offers a range of products and services to meet the needs of its customers. The main products offered include:
- Car insurance: Esurance provides a variety of car insurance options, including liability coverage, collision coverage, comprehensive coverage, and more.
- Home insurance: Esurance offers home insurance coverage that protects your home and personal property. Coverage options include dwelling coverage, personal property coverage, and liability coverage.
- Pet insurance: Esurance provides pet insurance coverage to help protect your furry friends in case of illness or injury. Coverage options include accident coverage, illness coverage, and preventive care coverage.
- Life insurance: Esurance offers life insurance coverage to help provide financial protection for your loved ones in case of your unexpected death. Coverage options include term life insurance and whole life insurance.
In addition to these products, Esurance also offers a range of services to make the insurance process as easy and convenient as possible. These services include:
- 24/7 Customer support: Esurance provides round-the-clock customer support to help you with any questions or issues you may have.
- Mobile app: The Esurance mobile app makes it easy to manage your policy, file a claim, or get a quote, all from the palm of your hand.
- Online account management: Esurance offers online account management so you can easily manage your policy and make changes as needed.
- Fast and fair claims process: Esurance is committed to a fast and fair claims process, so you can get the coverage you need when you need it.
How much will Esurance insurance cost you?
The cost of Esurance insurance will vary depending on several factors, including your location, the type of coverage you choose, the make and model of your vehicle, your driving history, and more.
Some of the factors that can impact the cost of your insurance include:
- Location: The cost of insurance can vary depending on where you live, with prices typically higher in urban areas and lower in rural areas.
- Coverage: The amount of coverage you choose will impact the cost of your insurance. Higher levels of coverage generally result in higher premiums, while lower levels of coverage will result in lower premiums.
- Vehicle: The make and model of your vehicle will also impact the cost of your insurance. More expensive vehicles will typically result in higher premiums, while older or less valuable vehicles will result in lower premiums.
- Driving history: Your driving history will also play a role in determining the cost of your insurance. If you have a clean driving record, you can expect to pay lower premiums, while a history of accidents or traffic violations will result in higher premiums.
In what parts of the U.S. does Esurance insurance provide coverage?
Esurance Insurance provides coverage in most states within the United States. Currently, the company offers coverage in the states of Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.
There are several ways to find out if Esurance Insurance is provided in your state:
- Check the Esurance website: Visit the Esurance website and navigate to the “States We Insure” section. This section will provide a list of all the states where the company provides insurance coverage.
- Contact customer support: You can also contact Esurance’s customer support team directly by phone or email. The customer support team will be able to tell you if the company provides coverage in your state.
- Use the online quote tool: Esurance provides an online quote tool that allows you to get a quote for car insurance. If cane to get a quote for insurance coverage, then the company provides coverage in your state.
- Research online: You can also conduct a quick online search to find information about the availability of Esurance insurance in your state.
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Esurance Insurance Discounts Available
Esurance Insurance offers a variety of discounts to help customers save money on their insurance premiums. Some of the discounts available include:
- Safe driver discount: This discount is available to customers who have a safe driving record. The discount can be earned by completing a defensive driving course, installing an approved anti-theft device, or avoiding accidents and traffic violations.
- Multi-policy discount: Customers who have more than one policy with Esurance can receive a discount on their insurance premiums. For example, if you have both car and home insurance with the company, you can receive a discount on both policies.
- Homeowner discount: Customers who own their homes may be eligible for a discount on their car insurance. This discount is based on the assumption that homeowners are more responsible drivers.
- Good student discount: Full-time students who maintain a grade point average of 3.0 or higher can receive a discount on their insurance premiums.
- Switch and save discount: Customers who switch from their current insurance provider to Esurance can receive a discount on their insurance premiums.
- Paid-in-full discount: Customers who pay their insurance premiums in full can receive a discount on their insurance costs.
Esurance Insurance Customer Reviews
Esurance Insurance has received a mix of positive and negative reviews from its customers. Here is a summary of some of the strengths and weaknesses reported by customers:
Strengths:
- Convenient online platform: Many customers appreciate the ease of using Esurance’s online platform to manage their insurance policies. They find it easy to get a quote, file a claim, and make payments online.
- Affordable pricing: Many customers also praise Esurance for its competitive pricing, stating that the company offers some of the most affordable insurance options available.
- Fast claims process: Some customers have reported that Esurance’s claims process is fast and efficient, and that they received their claims payments quickly.
Weaknesses:
- Limited availability: Some customers have reported that Esurance’s insurance options are not available in their state, which can be a disadvantage for those who are looking to switch insurance providers.
- Poor customer service: Some customers have reported poor experiences with the company’s customer service, stating that they had trouble reaching a representative or that the representatives did not help resolve their issues.
- Lack of transparency: Some customers have also reported a lack of transparency in the company’s pricing and policy terms, stating that they felt misled about the cost of their insurance or the coverage they were receiving.
In Conclusion: Esurance Insurance
In summary, Esurance Insurance is a leading online car insurance provider that offers a variety of insurance options to customers in most states. The company has a convenient online platform, competitive pricing, and a fast claims process.
However, some customers have reported limitations with the company’s availability and poor customer service experiences. Additionally, some customers have raised concerns about the company’s transparency in pricing and policy terms.
Before choosing Esurance Insurance, it’s recommended to compare the company’s services to those of other insurance providers to find the best option for your needs.