Laura Berry is a former State Farm insurance producer and insurance expert.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

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Esurance is a relatively new kid on the block, so to speak, when it comes to car insurance companies. This company opened its virtual doors in 1998 and is an online-only company. This means that you cannot visit an office and speak to an agent; everything is handled online.

You can make an online car insurance quote comparison right now by entering your zip code (you can get quotes from many companies)!

Esurance Insurance offers a variety of insurance products for you to purchase. They have auto insurance, motorcycle insurance, homeowners insurance, life insurance, health insurance, pet insurance, and more. So if you are looking for a company with plenty of options, this may be a good insurance provider.

According to Esurance, they offer some of the lowest prices in the insurance industry. They can offer lower prices because they save money by only having an online presence. This means they don’t have some overhead costs that other companies have, such as employing insurance agents.

What kinds of auto coverage can you get with Esurance?

If you choose to buy an auto policy with Esurance, the following coverage options are available to you:

  • Liability insurance (bodily injury liability and property damage liability)
  • Collision coverage
  • Comprehensive coverage
  • Emergency roadside assistance coverage
  • GAP coverage
  • Medical payments coverage
  • Personal injury protection
  • Rental car coverage
  • Uninsured/underinsured motorist coverage

Esurance Insurance also offers other types of insurance, including homeowners and renters coverage. For example, you can save money by bundling your car insurance with a homeowners or renters policy. Motorcycle insurance is available as well.

In addition to this multi-policy discount, Esurance offers other insurance discounts like the good student discount, defensive driver discount, and multi-car discounts.

You can also sign up for Esurance’s usage-based insurance program, DriveSense. A usage-based insurance program uses a mobile app or plug-in device to monitor your driving habits. You get a small discount on your insurance coverage just for signing up, plus an additional discount if you drive safely.

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What are the Esurance financial strength ratings?

Esurance might be a new company, but you don’t have to worry about their financial stability. They have an A- rating from A.M. Best and a rating of A from Standard & Poor’s. In both cases, this means that they are considered to be strong financially. Moreover, with Allstate as its parent company, Esurance has the backing of an insurance powerhouse.

It is important to note that Esurance recently went from A to a rating of A- from A.M. Best, which changed their rating from excellent to strong. Their rating with Standard and Poor’s has not changed for many years.

Although A- and A are not the highest financial rankings a company can get, these are still firm rankings. The bottom line for this part of the Esurance car insurance review is that it is considered safe to purchase insurance from Esurance.

Does Esurance have good customer service?

One of the most significant areas that Esurance has failed is with its customer service. Because all of their business is conducted online, they do not have an in-person agent for you to speak to if there is an issue. In addition, according to many online Esurance car insurance reviews, it is difficult to talk with a live person.

People who sign on with Esurance are encouraged to contact Esurance via email. However, this contact method may seem impersonal to many people, which may affect the overall customer satisfaction ratings.

You need to consider how many options you want to speak to and see agents when you choose your auto insurance company.

The lack of physical agents in local areas can also slow down the insurance claims process when you have an accident. To assess your vehicle, they hire an adjustor to take care of the claim. Because they don’t work directly with the company, the process can take a little longer because you are using a go-between.

The bottom line is that Esurance is better for the technology-minded who are already taking a step towards doing everything online. This is an exceptional choice for people who want to reduce their environmental impact. You pay your bills online, speak to a rep online, and Esurance doesn’t have offices all over the country with people driving to work.

How does Esurance determine auto insurance rates?

Like all insurance companies, Esurance will look at various factors when setting your insurance premium, including your age, gender, marital status, location, driving record, and credit score.

A few states have banned insurance companies from using a credit-based insurance score when setting rates.

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How much can you save with Esurance?

There are mixed reports about the savings that you can get when you use Esurance. According to the Esurance website, you can save up to $500 a year. If you read online Esurance care insurance reviews, however, you get a little different picture.

Many people who have used Esurance complain that they are quick to raise their rates and that it is difficult to assess why the rates are being raised. In addition, Esurance charges fees for their auto-pay program, which you are required to use if you sign up for Esurance. So you must consider this fee when you compare their rates with other car insurance quotes.

Esurance is one of the few companies that charge fees if you cancel your policy before your contract is up. This fee is reported to be 10% of your remaining contract, which means if you have $600 left on your contract, then your fee will be $60.

Esurance, however, doesn’t hide the fact that there are fees involved. This is part of the Esurance contract, which means that customers shouldn’t be surprised when charged these fees.

You will also be required to pay two months in advance for your car insurance, and the rest of the payments are broken up into four months. This is not unusual, however, as many companies have this type of payment plan.

Before you purchase Esurance or any other type of insurance for that matter, take a minute to enter your zip code and compare car insurance quotes now!