Automobile

Esurance Auto Insurance Quotes: Everything You Need to Know

An auto insurance quote from Esurance will vary depending on a driver’s specific profile, including their age, gender, and where they live. While an Esurance auto insurance policy is often an affordable option, it may not be the best choice for some drivers.

What Is Esurance?

Esurance is one of the most popular insurance companies in the United States. According to The Zebra, Esurance was founded in 1999, and it provides insurance policies for renters, homeowners, motorcycles, and cars. Because the company uses an online quote process, it’s able to provide quick car insurance quotes at competitive rates.

Esurance is a member of the Allstate Insurance Group. The Zebra notes that, as of June 2015, Allstate Insurance Group companies claimed 9.97 percent of the private passenger vehicle insurance market. That percentage makes Allstate Insurance Group the third-largest car insurance provider in the country.

According to QuoteWizard, Esurance:

  • Has 3,000 agents nationwide
  • Has 17 offices in the United States
  • Operates in every state except for Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, Wyoming, and Washington D.C.
  • Has insured over 5 million vehicles to date

    Who Should Consider an Esurance Auto Insurance Policy?

    Insurance companies and insurance policies aren’t one-size-fits-all. Whether or not you should purchase an auto insurance policy from Esurance depends on what you’re looking for from your provider. According to ValuePenguin, Esurance is a good option for:

    • Drivers who prefer to manage their auto insurance policy through a mobile app
    • Drivers who want to switch insurance providers
    • Drivers who want a wide variety of discounts

      ValuePenguin also notes that Esurance may not be the best option for:

      • Young drivers who need inexpensive insurance
      • Drivers who expect in-person customer service from their insurance provider

        While Esurance might not offer the lowest rates, as QuoteWizard points out, it offers lots of discounts and an exceptional mobile app experience. If you’re only looking at the initial price of a policy, you might be tempted to disregard an Esurance auto policy. However, you might qualify for discounts that will make an auto insurance policy from Esurance quite affordable.

        What Types of Car Insurance Does Esurance Provide?

        As The Zebra notes, Esurance offers a standard set of auto coverage, including:

        • Medical Payments
        • Personal Injury Protection
        • Collision Coverage
        • Uninsured Motorist Coverage

          Esurance also sells various forms of optional coverage that include:

          • Emergency Roadside Assistance – If you purchase collision coverage and comprehensive coverage from Esurance, the company will also let you add emergency roadside assistance to your policy. Emergency roadside assistance from Esurance follows the car, not the driver, so you won’t have coverage if you’re driving someone else’s car. However, Esurance does allow you to purchase roadside assistance on a per-incident basis. A roadside assistance policy from Esurance will cover the costs of services such as towing, tire changes, and door unlocking.
          • CarMatch Rental Coverage – If you have CarMatch Rental Coverage, your Esurance auto policy will cover car rental costs if your car is in the shop after an accident. The rental car must be comparable to your car, and the policy will cover the rental costs for 45 days or $3000, whichever limit comes first. If you exceed the coverage limits, you’ll have to pay the difference out of pocket.
          • Loan/Lease Coverage – A loan/lease policy from Esurance will pay you up to 25 percent of your vehicle’s actual cash value if an accident results in a total loss. A loan/lease policy will cover the difference between what’s owed on your car and its actual value. If you want to cover the total difference in value, you’ll have to purchase gap insurance.
          • Rideshare Coverage – If you drive your car for a gig with Lyft or Uber, you can purchase rideshare coverage from Esurance. The coverage applies while you’re driving your car during your shift but haven’t accepted a ride request. Once you accept a ride request, your coverage provided by Lyft or Uber kicks in.

            What Discounts Does Esurance Offer?

            According to QuoteWizard, Esurance offers a comprehensive list of discounts, some of which are standard across the industry and some of which are unique to Esurance. The discounts unique to Esurance include:

            • Fast Five Discount – With the Fast Five discount, you’ll save 5 percent on your premium just for gathering an online quote from Esurance. This discount only applies to the purchase of a new policy. It expires upon policy renewal.
            • Switch & Save – If you switch from another insurance provider to Esurance, you can save up to 5 percent until your second policy renewal. To qualify, you must currently have insurance with another company.
            • Pac-12 Discount – Pac-12 students and alumni can qualify for a 15 percent discount if they live in Arizona, Colorado, Oregon, or Utah. Pac-12 students and alumni may also qualify for reduced rates.
            • Education Discount – Current Esurance customers who live in Arizona, Colorado, Oregon, or Utah can receive a discount depending on their education level. The discount applies even if you didn’t attend a Pac-12 school.
            • DriveSense Discount – You’ll receive an automatic 10 percent discount if you enroll in the EsuranceDriveSense program. DriveSense tracks your driving habits and reports them to Esurance. If you have good driving habits, you may qualify for an even bigger discount. Unlike some safe driving discounts that require you to install a telematics device, DriveSense can track your habits through a mobile app. To qualify for additional savings, you have to use the mobile app at least 50 times within a six-month period.

              The Esurance Customer Experience

              As QuoteWizard points out, your experience as an Esurance customer may vary depending on what state you live in. For example, in California, Esurance ranks the highest in terms of customer satisfaction. However, customers who live in Florida and North Carolina often report having average or below average experiences. Keep in mind, that with 3,000 associates located across the country, Esurance does have the necessary resources to assist you online or through the Esurance mobile app.

              Check this out if you need additional information, resources, or guidance on car insurance.

              Sources:

              Esurance Insurance: Reviews, Coverage Options, and Ratings

              Esurance Auto Insurance

              Esurance vs. Allstate Car Insurance: Reviews and Quotes

              Esurance vs. Allstate Car Insurance: Reviews and Quotes

              Car Insurance for College Students: All You Need To Know

              Car Insurance

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