Elephant Auto Insurance Review 2020

Last modified: November 22, 2020
  • Claims 8
  • Buying 9
  • Transparency 8
  • Coverage Variety 9
  • Value For Money 8
  • OVERALL RATING 8.4
  • Financial Strength A+
  • BBB Rating A+
  • Coverages 5/5
  • Flexibility Possible policy customization
  • Discounts 4/5
  • User Ratings TrustPilot 3.2
  • Support Online, phone
  • Pricing $1,620
  • Availability 13 states

About the Company 

If you are reading Elephant auto insurance reviews to choose the right insurance provider, this article will give you a clear picture. For starters, here are some curious details about the company. 

Elephant Insurance is a subsidiary of the Admiral Group, a UK insurance provider. 

The auto insurance company was launched in the U.S. in 2009, with its services available in only selected states.  The company follows a direct-to-consumer business model.  

The name of the company (‘Elephant’) refers to the protective and inclusive attitude of elephants towards members of their herd. This is how Elephant Insurance sees its relationship with customers. 

Elephant insures cars, ATVs, motorcycles, and collector cars. It also provides homeowners insurance and renters and condo insurance.

How We Reviewed

We reviewed the company by collecting Elephant Insurance quotes for different age groups. 

We divided the categories into 3 age groups for the states of NY, NJ, CL, TX, MI, for a Honda Accord 2015 and some conditions that you will find in this table:

Age 25-year-old 35-year-old 45-year-old
Car type Honda accord 2015 Honda accord 2015 Honda accord 2015
States NJ, NY, CL, TX, MI NJ, NY, CL, TX, MI NJ, NY, CL, TX, MI
Condition 1 Full and minimum coverage rate Full and minimum coverage rate Full and minimum coverage rate
Condition 2 Pre and post-accident rate Pre and post-accident rate Pre and post-accident rate
Condition 3 Excellent and poor credit score rate Excellent and poor credit score rate Excellent and poor credit score rate

 

Where Is It Available

States served by Elephant auto insurance include Georgia, Virginia, Illinois, Indiana, Pennsylvania, Maryland, Nebraska, Mississippi, Montana, Missouri, North Dakota, Tennessee, and Texas.

Types of Insurance Covered and Missing Coverages

You can select from a wide range of Elephant Insurance coverage options. They are the following:

Liability Coverage

If you caused the auto accident, this insurance covers the expenses for the injury and damage caused to the other person. It also covers property damage. 

Comprehensive and Collision Coverage

Comprehensive coverage pays for replacement and repairs from the damage caused by water or theft. Collision coverage pays for repairs and replacement if your car suffered an auto accident.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage covers bodily injury and property damage. The coverage includes the other person’s expenses if they have inadequate insurance or don’t have insurance. 

Medical Payments and Personal Injury Protection (PIP)

MedPay covers yours and your passengers’ medical expenses. The coverage includes treatments that may not be covered by your health insurance. The coverage may also reimburse you for lost wages. 

Gap Insurance  

Gap insurance offers protection for underwater loans if the car’s value is less than the loan amount’s balance. You will receive this coverage only after you buy comprehensive and collision insurance. This applies to vehicle owners who have used a bank loan to buy cars. 

Loan or Lease Payoff

Loan or lease payoff coverage pays the remaining balance not covered by the comprehensive and collision coverage. You need to pay your comprehensive and collision coverage’s deductible before you can benefit from this coverage.

Rental Reimbursement

Rental reimbursement covers the cost of a rental vehicle in the event your car gets stolen or becomes damaged, and you can’t drive it for more than 24 hours. 

Accident Forgiveness

Accident forgiveness guarantees that after an at-fault auto accident, the rates will not increase. You will receive this coverage after having the auto insurance for a few years.

Roadside Assistance

The auto insurance provider has collaborated with Urgent.ly to offer its customers roadside assistance. Customers can track the location of their roadside assistant drivers in real-time. 

Claims Process and Repair Assistance

Select any auto repair shop to have your vehicle repaired.  Elephant Insurance offers a list of prequalified auto repair shops for those without any preference. 

Windscreen Replacement

Elephant offers a windshield service performed by one of their recommended auto repair shops. Windshield repair claims are covered under comprehensive and collision insurance. 

Diminishing Deductible

Part of the comprehensive and collision coverage, the program reduces your deductible by $100 each year if you do not get into an accident.

Custom Parts and Equipment

This option pays for custom parts and equipment costing up to $1,000. This is a part of the comprehensive and collision coverage.

Legal Assistance

The company offers discounted legal assistance for Legal Resources members for both auto and non-auto related legal queries. 

Income Loss Coverage

You can purchase this coverage separately. This option offers up to $100 each week for 52 weeks if you lost your job due to an accident or are currently waiting for your car to be repaired. 

Elephant Insurance Benefits    

The auto insurance provider offers numerous Elephant auto insurance discounts

The company offers vehicle drivers the following discounts:   

  • Multi-car, policy discount saves you money on all vehicles insured by Elephant. 
  • A safe car discount is on offer if you install safety features in your car such as hands-free calling.
  • Responsible driver discount applies when you have not gotten into an auto accident for a certain duration.
  • A multi-policy discount is a possibility for multiple policyholders.   
  • Good student discount lowers your premium if you get good grades in school.
  • Online quote discount saves you money if you get a quote online from their website.
  • An electronic signature discount is applicable if you sign electronically instead of in person.
  • Paperless account or green discounts is given to customers that choose paperless billing.
  • Pay in full discount saves you money if you pay your entire premium upfront. 

Customer Satisfaction and Reviews

Elephant Insurance financial strength ratings have given it an A+ on AM Best, and it is yet to be rated on S&P. Elephant user ratings on TrustPilot are average, whereas BBB has given it an excellent rating.

Platform Rating
TrustPilot 3.2
Consumer Affairs Unrated
BBB A+

 

Customer Support

Elephant’s customers can manage their policy and make claims online by logging in with their credentials. The online portal for managing policies and filing claims is open 24/7.

The Elephant quotes process is simple. You can get a free quote online within minutes. Their customer sales department is open 7 days a week while their customer service department is open 5 days a week. 

Elephant Insurance offers a separate phone number for each  of its various products and coverage options. 

Ease of Use and Policy Customization

Even though Elephant Insurance reviews show that the company’s website is easy to navigate, the information about policies, discounts, and optional coverage is not detailed. 

Contact their customer service department if you have any questions about any of their insurance products and discounts. 

Elephant’s policy customization has basic auto insurance coverage options instead of more unique coverage add-ons. 

Elephant Pricing Review

The pricing review shows that this aspect may not be the strongest side of the company. 

Elephant car insurance offers relatively low rates, but you may find even cheaper rates with other auto insurance providers. 

You can save up to 24% to 40% each year if you choose to go with one of their competitors.

Comparison With Competitors

Here are some Elephant auto insurance rate comparisons that might give a better idea of the company’s standing on the market.

Elephant vs. GEICO 

Elephant has the support of the Admiral Group, which has over 5 million customers across the world whereas GEICO has become synonymous with the auto insurance industry.

GEICO offers several different policies and discounts, while Elephant offers far less. 

Elephant has good financial strength ratings, and so does GEICO. 

Elephant vs. Progressive 

Progressive is an all-American brand while Elephant hails from the United Kingdom. 

Elephant falls short in providing customers with a lot of discounts, while Progressive is the king in that department. 

Progressive even offers discounts through their loyalty rewards program, whereas Elephant offers no additional discounts.

AAA vs. Elephant

AAA offers a higher discount rate and more optional coverages than Elephant does.  

On the other hand, Elephant offers a large range of payment methods, while AAA’s choices are limited. 

Claims Handling

Elephant car insurance claims reviews reveal that the company’s claim handling process has received some customers’ complaints. The customers are unhappy with their slow response and resistance to paying. 

Otherwise, the process is fairly simple. You can file a claim online, by phone, or by email. You can file your claim 24/7. 

Pros & Cons

The Pros

  • Advanced roadside assistance
  • The direct-to-consumer business model saves money

The Cons

  • Many complaints about customer service
  • Not available in all states

Final Verdict

Is Elephant a good car insurance provider? Elephant auto insurance reviews generally agree that the insurance company offers numerous coverage options, great discounts, and a user-friendly website. 

Here is a comparative chart with pros and cons that can help you decide if it is a suitable option for you.