Esurance Car Insurance Review

esurance car insurance review

Image from Esurance

Insurance is a part of life. If you have a love of the road, car insurance is your friend—whether you're going 35 or 75 miles per hour, it's a necessity. Traditionally, when we wanted auto insurance we had to walk into an office or pick up the phone and call an agent to find the right policy for our needs. That's not the case anymore. Now you can go online and pick what's right for you. Look at our Esurance car insurance review to see if this is the right option for you.

What Is Esurance?


Esurance was founded in 1999 and was one of the first insurance companies to cut out the middleman by selling policies directly to consumers over the internet. It eliminated the need to call or visit an insurance agent. Their tagline is “insurance for the modern world”—highlighting their strictly online presence. Allstate acquired Esurance in 2011 so now Esurance brings with it all the technology of a new company and the foundation of a traditional insurance company.

Special Features


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image source: Pixabay

Technology

According to the Esurance car insurance review, Esurance has some of the best online tools available from any insurance company. Their mobile apps are compatible with both iOS and Android systems and make doing things like checking coverage, paying bills, viewing digital ID cards and filing and viewing claims easy and convenient.

They have a cutting edge and unique video appraisal option which gives users the ability to conference in an appraiser and show damage via video chat, eliminating the need for an adjuster to see the car in person. This saves consumers a lot of time and scheduling headaches.

DriveSense is an app that tracks driving habits like speeding and hard breaking to offer discounts to good drivers.

Traditional Benefits

You can get the add-ons of traditional insurance companies with Esurance. You can add roadside assistance to cover the costs of being towed if your car breaks down. You can choose rental car coverage so if your car is in the shop, for up to 45 days, Esurance will cover the costs of a comparable car—comparable being the unusual word in the insurance business.

Customized parts and equipment coverage covers any customized parts in case they get damaged or stolen. Loan/lease coverage helps bridge the gap between what your leased or loaned car's total value is and what you actually owe if it's totaled.

Pricing


A big part of our Esurance car insurance review is price. Esurance comes in at the high end of the insurance spectrum. You get what you pay for though and its cool features and ease of use make the price worth it for people who are technologically inclined and not wanting the hassle of paper or people.

They offer a lot of discounts and the site or app will walk you through your eligibility. Some discounts Esurance offers:

  • Fast 5—5% just for getting an online quote
  • Switch and save—get 5% off when you switch from another insurer to Esurance
  • Pac 12 discount—students and alumni of certain universities in certain states can receive special pricing
  • DriveSense—take 10% right off the top just for signing up to use the driving tracking app which can earn you even deeper discounts if you drive safely
  • Multi-car discount—multiple cars on one policy
  • Multi-policy discount—pairing auto and another type of insurance like home or motorcycle
  • Paid in full discount—paying your policy for an entire year up front
  • Anti-lock brakes—insure a car that has anti-lock brakes
  • Anti-theft—insuring a car with an anti-theft device

How It Compares


We picked a few similar products available on the market to see how they compare with the Esurance car insurance review.

  • State Farm
  • Geico
  • Progressive

Esurance Car Insurance Review


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Price

Coverage Options

We love the ability to pick and choose coverage limits that work for each person. The extras like customized parts and equipment coverage and CarMatch rental coverage set Esurance apart from competitors in this Esurance car insurance review—they have coverage for just about anyone.

Discounts - 4 Stars

Discounts are a big part of our Esurance car insurance review. Esurance offers a ton of discounts, some pretty basic but some that really set them apart. Some cooler discounts are only available in certain states and not yet available across the board.

Customer Service - 3 Stars

They design Esurance to be a hands-off insurance company, so you won't get to a person right off the bat. This is a company for the tech-savvy and self-sufficient consumer, not somebody who likes to call an agent to ask a few questions or to make in-person claims. That said, they can still have a tough time resolving issues to the satisfaction of some of its customers.

Claim Filing Process - 5 Stars

If you're willing to go agent free, their video appraisal option makes filing a claim a snap. If you want to go the traditional route, you'll get the same process as most traditional companies—call, file a claim, wait for an adjuster and find out your fate. We like the video process a lot.

Pros

  • Cutting edge technology makes getting and managing insurance a snap
  • DriveSense app gives good driver discounts
  • Great coverage options

Cons

  • May be too pricey for fixed income
  • New drivers or those with questionable driving records will pay a premium price
  • Those who want a personal touch will not like the technology-based insurance

State Farm


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State Farm is the country's largest auto insurer and has been for over 75 years. They have built its reputation on solid coverage options and excellent customer service. Available in all 50 states, this is the go-to company for consumers placing a high value on customer service.

Price

Coverage Options - 3 Stars

While customer service is outstanding, the range of coverage options is not as varied as other companies. If you want a straightforward, no-frills policy, you'll get it here. If you want things like gap coverage or leased or loaned car coverage, you won't get it at State Farm. There's not a lot of room to customize coverage like you can with other insurers.

Discounts - 4 Stars

You'll get typical discounts like multi-car and policy discounts. State Farm has a Drive Safe and Save program for good drivers—it's a device that tracks how you drive and rewards you for good habits. They have discounts for young drivers which are very rare in the industry but great for this already high paying group. Customers can even take a defensive driving course and receive a discount.

Customer Service - 5 Stars

Service is what this company was built on and what continues to drive its success. You'll have no trouble speaking with someone and getting your questions answered. Filing a claim is easy and State Farm has few lodged complaints in an industry of unhappy customers.

Claim Filing Process - 4 Stars

You'll find the same filing process as you will at other traditional insurance companies but without the run-around. Their service standards don't drop during the claim filing process but if you're looking for super simple, streamlined tech options, you'll be limited.

Pros

  • Unrivaled customer service
  • Solid, no guesswork policies
  • Multiple discounts including some for younger drivers

Cons

  • A higher premium price may be prohibitive to tighter budgets
  • Not a tremendous amount of innovative technology

Geico


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We all know Geico's slogan, “15 minutes could save you 15% or more on car insurance” and it's true. Geico is built on a foundation of offering a lower price for car insurance. They can achieve this through a multitude of discounts. We like the ease of use for its customers giving them the ability to use its mobile application with live chat to get answers on the go.

You can get an accurate quote from Geico in less than five minutes online by answering just a few questions.

Price

Coverage Options - 5 Stars

You can find a strong array of policies and a la carte options through Geico. You can also pick a few options we haven't seen other places like mechanical breakdown coverage which covers repairs not related to an accident. They also sell insurance for Uber and Lyft drivers which we don't see with most national providers.

Discounts - 5 Stars

This is where Geico shines. You can get a discount for vehicle attributes like anti-lock brakes, anti-theft systems, daytime running lights, and airbags. They offer military, student, federal employee and friends, and family discounts and will give you a discount for wearing your seat belt, taking a defensive driving and driver's education course.

Customer Service - 2 Stars

Geico gets median scores at best for their customer service. You may encounter long wait times or inexperienced representatives on the other side of your call.

Claim Filing Process - 5 Stars

Geico makes it easy to file a claim. You can file online, over the phone or on its mobile app. It takes about five minutes and you can track its progress online as it moves through the process.

Pros

  • Online and mobile apps make it easy to manage your account and claims
  • Multiple discounts make policies affordable
  • Policies are available for Uber and Lyft drivers

Cons

  • Customer service may be an issue for some
  • Not for customers who want an in-person experience

Progressive


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Progressive started as a low-cost option for car insurance and has become competitive as an all-around option. They're a great option for younger drivers or those with less than perfect driving records because of all the discounts available to them. Their famous Name Your Price Tool allows you to name your budget and see what coverage options are available to you.

Price

Coverage Options - 4 Stars

You'll find all the typical coverage options of other insurance companies plus a few you won't, like custom part coverage. They're one of the few that offers ride-sharing coverage for Uber and Lyft drivers. You can add pet insurance so if your pet is injured in an accident, they'll cover the vet bills associated with the accident.

Discounts - 4 Stars

Progressive offers a lot of discounts to its drivers. Safe driver, good student, multi-policy and anti-theft discounts resemble those of other companies. They make simple discounts like going paperless easy for everyone to get. They offer discounts to drivers under 18 which is pretty unheard of in the industry.

Customer Service - 2 Stars

If you need service beyond online or the mobile app, you could run into issues. If the knowledge of working with a financially secure insurance company is important to you, this may not be the right fit. Progressive gets lower financial solvency ratings than its competitors.

Claim Filing Process - 4 Stars

The ability to file and track a claim online makes the process seamless and easy. If you want a personal touch leading you through each step, you may run into issues.

Pros

  • Some of the lowest prices in the market
  • Unusual coverage options available
  • Name Your Price Tool allows you to stay on budget

Cons

  • Service is a tradeoff for lower prices
  • Customers wanting a wider variety of coverage plans may be disappointed

Conclusion

We've taken a lot into consideration for our Esurance car insurance review. Overall, we give Esurance four out of five stars. We really enjoy the hands-off approach to car insurance and the video appraisal option. We think video conferencing with an adjuster takes out a few annoying steps in filing a claim like eliminating the need for an in-person adjuster to look at your car. That saves everyone a lot of time.

The coverage they offer is top notch. We like being able to mix and match coverage types and features important to us, like comprehensive, CarMatch rental coverage and roadside assistance. Knowing exactly what our coverage is by just opening an application, makes this an easy insurance policy to understand and navigate.

As part of our Esurance car insurance review, we discovered they're not the lowest price option, even for comparable coverage. What you pay for it the modern technology and convenience of use compared to other insurance companies. Time is money and, for most of us, time is the one thing we don't have enough of. Esurance saves you a lot of time in the car insurance space and that can be priceless.

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