Esurance

Car Insurance
The Esurance Insurance company has a nice reputation in the market for offering very nicely designed policy cover to meet the solution of realistic problems in a diverse way. The rating of the company is 82 in 100, and this is a sound rating for trusting the company, and investing on it’s policies.
4.5
out of 599 user reviews

Insurance Coverage

Best auto insurance and automobile rules are governed by different laws in different states. Therefore the covers and limits differ from one state to another. If you see the rates of the company in California they will be following:

  • Bodily injury liability covers and uninsured motorist injury cover of minimum $30000 per accident, and $15000 per person.

  • Property damage cover minimum $5000

  • Uninsured motorist property damage cover of $3500

The state law however differs and these figures will change as you go from one state to another.

Coverage Options

The standard car insurance covers are all provided by the company. The common ones are, medical liability covers, personal injury cover, bodily injury cover, uninsured motorist cover, physical property damage cover, collision and comprehensive damage cover.

Besides all these, the other special covers offered by the company, which are extras, are:

Emergency Roadside services: When the car meets an accident you may require towing it to some nearby service station, or you may have to arrange for a mechanic to attend it at the spot of the accident. In both cases the expenses met will be paid for by the insurance company, as you are in an emergency.

Rental car: Whenever you need to rent a car to replace for the existing car on occasions that your car is sent to the service station after a damage or road accident, then you will be paid for that car rental by the insurance company.

Customized parts and equipment coverage: This cover is to cover for the loss, theft, damage or repair of any extra custom part or equipment inside the car, like the satellite navigation, TV, music system, phones, car sticker or body paint, extra protection parts and guards etc.

The custom cover is a special and very interesting cover which can help you claim for so many extra car parts and accessories, which normally no other insurance provider will let you do.

Affordability

The affordable policy plans are nice to discover for the customers, as the covers come with as good as 12 discount plans. This is much higher in number than other insurance providers. The discounted policies and covers are:

  • Anti-Theft Devices
  • No Claims
  • Good Student
  • Defensive Driver Courses
  • Homeowner
  • Anti-Lock Breaks
  • Safe Driving Record
  • Group Membership
  • Switch from Competitor
  • Multi-Vehicle Policy
  • Online Quote
  • Up-Front Payment

Customer Satisfaction

Customer Satisfaction Rating: 
3.8
out of 599 user reviews

The customer satisfaction rating for Esurance car insurance is 3.8 on 5, and is not much an impressive rating, as this number indicates that they have not been very good in reducing the customer problems, or satisfying customers on time.

Survey Review Data

Financial Stability

Financial Stability Rating: 
4.5
out of 599 user reviews

The financial stability rating tells how good the performance of the insurance company has been in meeting customers claims on time. This rating is important, and the financial health and stability of the company are measured through it. 4.5 on 5 is the rating for the financial stability of Esurance car insurance. Esurance is a subsidiary of Allstate, and Allstate has a healthy financial assets value of $104.7. This is good compared to the total assets value of all insurance providers which amounts to $102.5 billion.

Pros

  • Very good financial stability

  • Quite affordable plans

  • Customized parts in car are covered

Cons

  • Customer satisfaction rating is poor

Contact Info

Website: 
http://www.esurance.com
General Phone Number: 
1-800-378-7262
Customer Service Phone: 
1-888-825-9763

Esurance
650 Davis Street
San Francisco, CA 94111

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