ESurance Auto Insurance Review 2020

Last modified: September 30, 2020
  • Claims 9
  • Buying 8.5
  • Transparency 8
  • Coverage Variety 8
  • Value For Money 9
  • OVERALL RATING 8.5
  • Financial Strength A+
  • BBB Rating A+
  • Coverages 5/5
  • Discounts 5/5
  • Support 24/7 roadside assistance, Email, Phone
  • User Ratings Trustpilot 3.3 stars
  • Availability 42 states
  • Pricing $1,197

About the Company

ESurance was launched in 1999. Owned by Allstate, ESurance is for the tech-savvy consumers who want to do business online.  

It provides effective mobile tools that let you buy the insurance policy on your own. At the same time, in case you need any assistance, you can still call the company agents.     

The customer support is available 24/7. ESurance is an industry leader when it comes to mobile policy management. 

The only drawback of the company is that its policies are quite expensive and may not be affordable for a lot of budget-conscious consumers. 

Want to know more about the company? Read on to find the detailed ESurance auto insurance review:

Where Is It Available? 

ESurance is licensed to provide insurance in 42 states. The company encourages people to apply for insurance online. But you can also find an agent in case you need assistance.  

Types of Insurance

ESurance has a diverse range of insurance policies. Here is a comprehensive list:

  • Comprehensive and collision coverage
  • Medical and funeral services payment
  • Bodily injury liability 
  • Property damage liability
  • Uninsured motorist

In addition, the company also offers the following coverage plans: 

CarMatch Rental Coverage: The company pays for the full cost of a rental comparable to your car while your car is being repaired after an accident or if it’s stolen. 

This option is not available to all states, though. To qualify for the plan, you will have to have comprehensive and collision coverage. 

Emergency Roadside Assistance Coverage: This plan comes very handy at a time when you’re stranded at home. The company will pay up to $75 for towing, lockouts, tire changes, and other services. 

This option can be added to auto policies that have comprehensive and collision coverage. 

Esurance Gap Insurance  Coverage: Usually, if your vehicle – which you leased or financed – is totaled, you will get the amount equal to the worth of the car at the time of the accident. 

But in some cases, you may owe more than that. If you have opted for gap insurance, you will receive up to 25% of your car’s value that will help you make up for the difference. 

Insurance Offers or Extras 

In addition, the company offers plenty of discounts and benefits to customers. They may vary by state. 

Here is the list of ESurance discounts which give you price breaks:

  • Owning a home
  • Avoiding traffic violations
  • remaining 5 years claim-free, with no DUI or DWI violations
  • Paying your premium in full, upfront
  • Starting an online quote process
  • Getting roadside assistance from another source, such as AAA
  • Completing an approved defensive driver course. Many states have this discount to be eligible for only those drivers who are 50 and older
  • Having safety features like anti-lock brakes, factory-installed airbags, and an anti-theft device
  • Policy Bundling 
  • Having good grades – this is for drivers who are full-time college or high-school students (younger than 25)

Esurance Auto Insurance Reviews and Ratings

ESurance auto insurance has received average ratings for customer satisfaction. 

ESurance rating for S&P is AA-. 

The ratings from AM Best, Better Business Bureau, and Moody are A+, A+, and Aa3, respectively. 

Even though it has received a fair share of complaints, here is a short overview of customers’ ratings: 

Platform Rating
Trustpilot 3.3 stars
ConsumerAffairs 3.4 stars
BBB A+

 

Customer Support       

The company is mainly online based and so it doesn’t have a large number of agents. But you can still call or send an email at the addresses provided on the company’s website. 

The ESurance mobile app includes everything that you need to get your claim filed, track your policies, and set up and manage your policies. 

You can visit here to learn more about the application process. 

Ease of Use and Policy Customization 

The mobile app is straight-forward and easy to use. It comes with great tools and features. 

It includes all the information that you’d need to manage your policies or to buy a new one. 

Here is the list of options that you can get on the website, which makes your policy planning process easy. 

E-star: This option locates Esurance’s recommended repair facilities. If you choose the E-star shop for car repair, the Esurance company will guarantee repairs for as long as you own the car.

Coverage Counselor: This option will assist you in choosing the right coverage options.

Fuelcaster: This function is quite helpful as it lets you know the gas prices, allowing you to fill your car’s tank when the prices are at the lowest. 

You can also access the company’s mobile app. Here is the list of the app’s special features: 

Repair View: This feature lets you check your car as long as it is in an ESurance-approved shop. You can see the daily photos of your car as well.    

Photo Claims: Using this feature, policyholders can easily upload the picture of their damaged car and won’t have to wait for an appraiser to come and inspect the car. 

According to Esurance, with the help of this feature, some customers get the amount within a day.  

Pricing Review   

The Esurance car insurance reviews 2020 all agree that the company offers insurance plans at a high rate. 

Here is a list of ESurance insurance rates by driving record:  

Driver Profile ESurance
Good drivers with good credit $2,088   
Drivers with a recent at-fault accident $3,440  
Drivers with a clean driving history

Drivers with poor credit 

$3,937
Minimum required coverage $1,197

*The insurance rates may vary by state.

Comparison with Competitors 

Here is a comparison between ESurance and some other  insurance providers: 

State Farm

State Farm is a credible and renowned auto insurer in the country. It has one of the best customer support. 

The insurance rates provided by the company fall within the affordable range. 

Even though it is popular among people who are looking for budget-friendly insurance policies, it doesn’t have optional coverage. 

Progressive

Compared to ESurance, Progressive auto insurance offers insurance policies at a relatively cheaper rate. But it doesn’t offer discounts.        

It offers optional coverages such as gap coverage, pet coverage, and custom equipment. 

But, on the other hand, it doesn’t really have an impressive claim handling record.

Allstate

Allstate has a big name in the world of the insurance industry. 

It is the only insurer that gives a claim satisfaction guarantee which gives refunds if you’re not satisfied with the claim handling.    

It offers great discounts – like ESurance – but in terms of rates, it’s way ahead.

GEICO 

If you are searching for the lowest insurance rates, GEICO is a great option. It also has an impressive list of discounts. 

In terms of customer satisfaction, though,  it has received mixed reviews.      

Claims Handling  

A good thing about this insurance company is that you can easily get your claim filed through a single click. ESurance claims management is very easy. 

You can file the claim with the help of your mobile app. You can also choose the repair shop listed on the mobile app to have a day-to-day update of your car. 

Pros & Cons

The Pros

  • Standout mobile app
  • Backed up by Allstate
  • Coverage available for fire and vandalism

The Cons

  • Prices relatively high
  • Not available in all states
  • Less number of agents

Final Verdict

ESurance is a leading insurance provider that is great for tech-savvy people. The company is owned by a credible insurance provider. 

Esurance auto insurance reviews all agree that managing policies through this app is quite easy.