Esurance Auto Insurance Review

Founded in 1999, Esurance is a relatively new insurance provider. They have always made full use of the available technology with an online presence. Their commitment is to providing low-cost insurance to drivers. The company is not yet in all 50 states, but they are slowly expanding as they continue to gain more customers and more experience. Compare auto insurance companies, like Esurance, with our FREE search! Enter your ZIP code and be on your way to a free auto insurance comparison!

Esurance Auto Insurance Products

Esurance offers insurance coverage for most assets. Renters can get coverage for their personal property while homeowners can find coverage for any type of home from a single-family dwelling to a condo or manufactured housing. The company also offers health insurance, life insurance and even pet insurance.

Rare collector’s cars can be insured along with motorcycles, boats, ATV’s, RV and travel trailers. Business owners can find commercial auto insurance with this company and customers can even tack on coverage for their cell phones. Esurance even has partners in Mexico and Canada to help keep you covered if you drive outside of the country. Find out and compare all of Esurance’s auto insurance discounts with our FREE ZIP code search to see how much you could save!

Esurance Mission Statement

Esurance is a relative newcomer to the insurance industry, but they have a strong commitment to be the leading provider. They make full use of the technology that is available to help keep costs down and provide a hassle-free experience for their customers.

Esurance Insurance Ratings

A.M. Best gives Esurance a rating of “Excellent” for being financially sound and able to meet obligations. The company has the liquid assets required to pay claims and they are considered to be in a stable condition with a positive outlook for the future. JD Power Auto Insurance Ratings currently gives them a rating or 2 out of 3 stars in most categories, which groups them in with “the rest”. For overall satisfaction, billing and payment and ease of contact they are rated at 2 stars. In the areas of auto insurance policy offerings and pricing however, they receive a 3 star rating.

Esurance History

Esurance hit the scenes in 1999 and was originally based out of California. It started under the name of Silicon Sierra Holdings but it currently part of the White Mountains Insurance Group. One of the company’s big selling points has always been that it eliminates a good deal of paper use, making it more environmentally friendly than the competition. They currently use the slogan “Technology when you want it. People when you don’t.”

Esurance Auto Insurance Discounts

Most auto insurance companies offer discounts to certain groups. Staying in step with their mission statement and core values, Esurance also offers several discounts to help drivers save money. Here are some of the discounts you should ask about if considering this company.

• Claim-free discounts for going more than 5 years with claims.
• Multi-car discounts for owning more than one vehicle.
• Homeowners discount for having a home and auto policy.
• Good diver discount for staying out of accidents and avoiding tickets.
• Switch & Save discount for moving to them from another company.
• Fast 5 discount for getting your quote online.
• Paid in full discount gives you up to 10% off for paying the premium in full.
• Vehicle safety discounts are available for cars with safety devices, anti-theft devices, anti-lock brakes, daytime running lights and other safety features.

Contacting Esurance

Esurance does most of its business on the Internet. This is great for people who are technologically handy, but it can be daunting for everybody else. In an effort to also meet the needs of those people who aren’t right at home with a mouse and keyboard, the company does have offices located throughout the country. They are open 24 hours a day, 7 days a week and can be contacted by phone. However, customers can also visit the offices directly. One should compare auto insurance discounts to find the best available cheap auto insurance in the area! Here are their current office locations:

• San Francisco, CA
• Sioux Fall, SD
• Atlanta, GA
• Basking Ridge, NJ
• Brooklyn, NY
• Dallas, TX
• Denver, CO
• Ft. Lauderdale, FL
• Madison, WI
• Melville, NY
• Phoenix, AZ
• Sacramento, CA
• Tampa, FL

State Licenses

As a newer member in the insurance industry, Esurance is not yet in all 50 states. Drivers in 28 states can use the services provided. Here is the quick list of the states that Esurance is licensed in: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin. Compare auto insurance rates by state with our ZIP code search!

Saving Money on Auto Insurance

Esurance has many discounts to help you save money and you should take advantage of every discount you qualify for. However, it is important that you do not try to lower the premium by skimping on coverage levels. State mandated liability and property damage coverage levels are incredibly low and can leave you exposed to a lawsuit in the event of an accident. Read auto insurance reviews to see how your current company compares to Esurance!

Remember that the insurance company will only pay up to the maximum amount stated on your policy and you will be responsible for anything above and beyond that amount. A better way to lower the auto insurance premium is to choose a higher deductible.

Esurance does not have the many years of experience that other companies have, but they are still a solid company financially with high ratings from A.M. Best to prove it. As a new company, they are constantly growing and improving.

Customers can expect their ratings with JD Power to gradually improve over time. When comparing auto insurance companies, Esurance is one that is worth taking a closer look at. Enter your ZIP code and find free auto insurance quotes INSTANTLY!