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Esurance Car Insurance Review

Esurance is a private car insurance company based in San Francisco, California providing auto insurance coverage in 30 states primarily through an internet-based format. The company was founded in 1998 as Sierra Silicon Holdings by a group of local entrepreneurs who wanted to create a wholly internet-based insurance company, and was acquired in 2000 by the White Mountains Insurance Group. Allstate acquired the company in 2011 through an acquisition agreement which included the purchase of Answer Financial, and operates the company as a subsidiary of the Allstate Insurance Group. Allstate intended Esurance to be a company which, instead of competing with its own insurance products, offered coverage to drivers uninsured by Allstate for various reasons. Today, the company employs 1,400 people in 14 offices, and writes over $718 million worth of insurance premiums each year.

History of Esurance

Esurance began as a venture designed to capitalize on the surge in internet shopping. Esurance began its advertising campaign through a series of television spots featuring a cartoon format, and later used a reality-based office series of ads. Esurance prides itself on being more environmentally friendly than many larger insurance companies by eliminating much of the paperwork involved with insurance policies sold through agencies and focusing instead on internet-based policies, claims and service.

Esurance Car Insurance Coverage

Esurance offers a variety of policy types, including liability, collision, and comprehensive and personal injury protection. The company website provides an online “Coverage Counselor” to help you determine what type and amount of coverage you need. The entire website is based on interactive tools which customers can use prior to getting a quote, pay bills, manage their account and file and track claims online. Esurance also offers customer assistance by telephone and email from licensed representatives for drivers unable to find answers online. Esurance’s mottos is, “Technology when you need it. People when you don’t.”

Esurance Customer Service Review

Esurance customers give it fairly low ratings regarding customer service, however. The technology-based approach does not seem to be satisfactory to a majority of Esurance’s customers, and may detract from the company’s overall mission to provide personalized service. According to the 2011 J. D. Power and Associates customer satisfaction ratings, Esurance scored only two out of five stars, or “below average,” in the categories of customer satisfaction, billing and payment, and contacting the insurer. This seems to point to a low level of satisfaction with Esurance’s online format of communication. Esurance scored three out of five stars, or “average,” in the categories of pricing and policy offerings, giving a bit more credit to the company’s products over their customer service. On the Customer Satisfaction Index, a 1,000-point scale which rates companies against each other, Esurance scored a total of 763 points – 27 points below the national average, placing it in 24th out of 33 companies polled.

Esurance Car Insurance Discounts

Esurance offers a great variety of car insurance discounts to its customers allowing many to find very affordable car insurance premiums. Drivers can get discounts for policy structure, such as multi-car and homeowner’s discounts, good driver discounts, discounts for simply switching car insurance companies online, vehicle safety equipment discounts and more.

Esurance Financial Ratings

With the backing of Allstate, Esurance has a solid financial base from which to pay claims. The company received an “A” (Excellent) rating from A. M. Best, an independent firm which tracks the financial stability of car insurance companies.

How much is car insurance from Esurance?

Esurance rates are competitive in some markets. However, since premium rates are calculated based on age, location, driving record, gender, and type of automobile insured, it is almost impossible to give a general opinion on the affordability of Esurance’s rates nationwide. In the states in which Esurance does business, comparing the rates of this company to others offering similar coverage is the only sure way to determine premium rates.

You can get a quote online directly from the Esurance website however the only way to find the best car insurance rates is to compare Esurance quotes to those of other companies so you can make an informed decision about purchasing insurance. Many drivers compare at least a handful of car insurance companies before selecting a provider. Start a car insurance comparison search today by entering your ZIP code above to compare car insurance quotes online.

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