People who are searching for a new auto insurance policy would probably run across Esurance. This company is known for its high-tech approach to selling car insurance policies, and it offers an easy-to-use website and a high-tech app for its customers.
Esurance is fairly new on the auto insurance market when compared to the decades of service that other companies have given their customers. However, it has indeed grown by leaps and bounds over the past several years.
Is it good enough for you? To help answer that question, we read several Esurance auto insurance reviews and gathered everything we have learned about it here. Let’s take a look.
About Esurance Auto Insurance
When it comes to looking at exact rates for Esurance, it is possible to have some sticker shock if you fall into certain “categories,” such as being a teenager or someone who has a shaky driving history.
For instance, an average yearly cost for an 18-year-old male is about $10,000, but the same male might pay $4,000 at Geico or $7,000 at Progressive. The 18-year-old male is a big risk for insurance companies, so you can expect to pay more, but paying more than double is a big hike.
Also, keep in mind as you compare rates that you have to be careful. One company might be giving you a bare-bones policy, but another might be giving you many more coverage options.
Esurance Coverage Options
- Medical Payments
- Collision Coverage
- Personal Injury Protection
- Uninsured Motorist
- Emergency Roadside Assistance (Optional)
- CarMatch Rental Coverage (Optional)
- Loan/Lease Coverage
Benefits of Esurance Policies
If you choose Esurance, you will be getting some benefits that are not commonly seen in other auto insurance companies.
- Discounts
Although most auto insurance companies offer discounts, Esurance offers a ton of them. The company has an extensive list of discounts, as well as some exclusive discounts that you won’t find elsewhere, such as the “Switch & Save” discount. This gives people a discount for leaving their old insurance company for Esurance.
There is also the “Fast 5” discount, which gives you an automatic 5% off of your premium for getting a quote online.
What Is Esurance Auto Insurance Good For?
Anytime you are looking for new auto insurance, it is a good idea to look at what the company is good for. In the case of Esurance, it’s great for:
- People Who Want to Manage Their Policy Through an App
Thanks to the high-tech app that Esurance have, managing your policy through your mobile device is fairly easy to do. It is one of the most convenient apps out there as compared to other insurance companies.
Since you probably always have your phone with you, you will always have your insurance information available in the event of an accident.
- People Who Are Already Insured and Want to Change Insurance Companies
Since it is so easy to sign up for an Esurance auto insurance policy, it is perfect for people who want to switch insurance companies. If you already have insurance, you can actually switch to Esurance right on their app.
- Discounts
Do you like getting discounts? If so, then you will love Esurance. There is a huge variety of discounts available from Esurance, and surely, some that you can use.
What Are the Cons of Esurance Auto Insurance?
Although there are certainly cool things to consider about Esurance, as with all insurance providers, this company is not right for everyone. Here are some things to take into consideration as seen on other Esurance auto insurance reviews:
- Not Great for Young Drivers
While Esurance has some great deals, if you are an adult driver who qualifies for some of the great discounts, or if you are a student or you have a student on your policy, you can probably suspect that your rates are going to rise, and they are going to rise a lot!
- The Company Doesn’t Have Great One-on-One Customer Service
If you like talking to a customer service agent via phone, Esurance probably won’t be right for you. While, technically, you can talk to a customer service agent, this company puts most of its efforts into the app and website.
After all, the company isn’t called “Esurance” for nothing! It’s all electronic!
- If You Have a History of Accidents, Beware
Based on several Esurance auto insurance reviews and quotes, if you are a person who has a few accidents in your driving history, you will probably find that your quote from Esurance is going to be pretty high.
What We Think of Esurance
You probably won’t get the lowest rates by choosing Esurance, but thanks to the great discounts and the fantastic mobile app, it might be worth it for you to pay a bit more.
When you first take a look at Esurance, you might think that it’s not going to meet your needs. However, you have to remember that you can get a ton of discounts from this company, which can make it a very competitive option as you compare one auto insurance provider to another.
The strength of Esurance is surely found in its mobile capabilities and not with its customer service, which is a bit lacking, nor is in its price. Again, don’t walk away because you see a high quote; there are always discounts available from this insurance provider.
Unless you fit into one of their “caution” categories, such as a person with a lot of accidents, a student, or someone over the age of 80, then you can really get some great deals from this company.
What to Take Away from Esurance
Esurance is a solid choice for those who already have insurance and want to switch companies, or for those who have a good driving history, range in age from 25 to 80, and like to use apps and the internet to get things done. Everyone else might want to look elsewhere for car insurance.
Final Thoughts
Esurance probably won’t be the cheapest option you have when you are looking at auto insurance, but thanks to the discounts and the perks, the price you would ultimately pay is pretty competitive.
If you love the ease of doing things online or via an app, you will also love what Esurance offers. For adults who are good drivers looking to switch, you should definitely give Esurance a look.
