TABLE OF CONTENTS
- How much does Esurance car insurance cost?
- Esurance pros and cons
- What types of car insurance does Esurance offer?
- Optional coverage options
- Esurance’s auto insurance discounts
- Esurance vs. other insurance companies
- How customers rate Esurance auto insurance
- Esurance’s services and features
- What is Esurance insurance?
- How to get an Esurance car insurance quote
- The Takeaway: is Esurance right for me?
While Esurance doesn’t offer the cheapest car insurance packages, its tailored options, special discounts, and user-friendly experience make Esurance a popular choice for those looking for alternatives to the big-name policy providers.
That’s why car insurance comparison shopping app Jerry.ai has compiled everything you need to interpret your Esurance car insurance quote.
If you’re on the hunt for a new policy, Jerry has you covered (literally). Signing up takes less than a minute and Jerry will present you 3 competitive policies. Basically, you never have to fill out an insurance form the length of your arm again!
How much does Esurance car insurance cost?
The cost of your Esurance policy quote varies according to a number of factors like the type of vehicle you drive, your location, your driving record, your age, and tailored policy options.
For example, a driver with a good record might pay around $1332 a year or $111 a month. This price point is on the higher end of the scale in relation to most competitors, but it isn’t significantly above average.
However, if the same driver has one accident on their driving record in recent years, you could be looking at paying $1692 a year, which is a big increase for the same policy.
Esurance pros and cons
- Plenty of great discounts
- An intuitive mobile app makes it easy to manage your policy
- Insurance policies can be costly for drivers who fall into high-risk categories
- Not a good option for people who aren’t comfortable using online tools
What types of car insurance does Esurance offer?
Medical Payments Coverage
Medical payments coverage will cover you up to your policy limit for the cost of any medical expenses like health insurance deductibles, doctor visits, and medical treatments for you or your passengers that result from an accident.
Personal Injury Protection (PIP) Coverage
Similar to medical payments coverage, personal injury protection coverage is designed to help you cover the costs related to an accident for you and your passengers, regardless of who is found at fault.
Collision coverage is an optional insurance upgrade that will help cover you in situations where you are behind the wheel. This can include collisions with other vehicles and objects as well as certain single-car accidents like rollovers.
Comprehensive coverage is a policy upgrade that helps cover the cost of repairs or replacement of your car if it is stolen or damaged by weather events or vandalism.
Uninsured Motorist Coverage
Uninsured motorist coverage will help protect you in situations where you find yourself in an accident caused by a driver who does not have sufficient liability coverage.
Optional coverage options
Emergency Roadside Assistance Coverage
Esurance has an optional roadside assistance plan that you can add to your policy to get access to up to $75 of emergency roadside services per breakdown.
This could include any of the standard roadside assistance services like door unlocking, fluid delivery, tire changes, towing, and battery jump starts.
Carmatch Rental Coverage
If you subscribe to this policy option, you will receive a rental car that is the same size as your vehicle when it is in the shop for repairs following a claim.
Commonly referred to as gap coverage, Esurance’s lease/loan policy add-on will cover the difference between the actual cash value of your vehicle and what is left owing on your existing lease or loan.
Depending on your policy limit, Esurance might offer you up to 25% more than the actual value of your car to help you cover your remaining payments.
ShareSmart Rideshare Coverage
Esurance’s rideshare coverage package is a policy add-on tailored to drivers who work for Uber and Lyft. If this is you, your company insurance package might leave you vulnerable during certain key periods when you are on the job. Esurance’s ShareSmart plan will help cover the gaps in your company policy.
The SmartShare plan is currently only available in three states: California, Illinois, and New Jersey.
Esurance’s auto insurance discounts
Esurance’s discounts could save you 5 - 40% off of the total cost of your car insurance.
Here are a few note-worthy discounts to check out if you’re considering a policy with Esurance:
Fast 5 Discount
The Esurance Fast 5 Discount is a quick and easy way to save. Since the company wants to encourage online interaction, you will get a 5% policy reduction when you generate your quote online. It’s worth noting, the discount won’t apply again when you renew your policy.
Switch and Save Discount
If you are considering switching over your policy from another provider, the Switch and Save discount will take 5% off the price of your new policy when you switch over from another provider.
You will still have to be insured with your previous company in order to be eligible, and the discount will no longer apply when you renew your premium.
The Pac-12 Discount
The Pac-12 discount will help you save up to 15% on your car insurance if you are alumni or currently a student at one of the Pac-12 Universities. You have to currently be living in Arizona, Colorado, Oregon, Utah, or California to be eligible for this discount.
Similarly, if you live in Arizona, Colorado, Oregon, or Utah and have obtained a certain level of education, you could be eligible for a discount of up to 15%.
Esurance vs. other insurance companies
Here’s how Esurance stacks up to two of their major competitors, Progressive, and Farmers, in terms of car insurance quotes and service.
Esurance vs. Progressive
Esurance and Progressive both offer plenty of intuitive online options that cater to a tech-friendly customer base. However, the average Esurance policy will cost about 18% more than a policy from Progressive.
On the other hand, Esurance offers some attractive introductory discounts that could make these offerings more competitive, not to mention its high satisfaction ratings in comparison to the average or below-average ratings that Progressive tends to amass.
Esurance vs. Farmers
In many ways, Esurance and Farmers are on opposite sides of the spectrum in terms of service offerings.
Esurance specializes in efficient online services, while Farmers takes a much more traditional approach to insurance sales, requiring their customers to speak to an agent to get a quote. Farmers offers more tailored policy options, but Esurance offers higher quality online tools and easy discounts.
Many people appreciate the convenience offered up by Esurance’s easy-to-use online features, but you can count on paying about 15% more for your policy when you choose Esurance over Farmers.
Ensurance does offer some great opportunities to save, so don’t forget to take that into account.
How customers rate Esurance auto insurance
How do Esurance car insurance reviews stack up?
According to the 2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study, Esurance customers report average satisfaction in the following categories:
- Claim Servicing
- First Notice of Loss
- Overall Satisfaction
- Rental Experience
- Estimation Process
According to the same survey, customers tend to rate Esurance service as below average in terms of the Repair Process category.
Similarly, the 2018 U.S Auto Insurance Shopping Study found that Esurance clocks about average in all of the following categories.
- Insurer Website
- Local Agent
- Overall Satisfaction
- Policy Offerings
The category where Esurance excels is the Call Center Representative slot, where its scores are amongst the best.
Esurance’s services and features
The Esurance Mobile App
True to their tech-savvy approach to car insurance, Esurance offers a mobile app design that will let you accomplish any of the following with ease.
- Update your contact information
- Manage your payments
- Add a new car to your policy
- View your insurance ID card
- File a claim
- Contact roadside assistance or speak to an agent
The DriveSense Mobile App
Esurance has partnered with the DriveSense mobile app to offer their clients an automatic discount just for signing up for the program.
DriveSense will track your driving habits, and as long as you meet the minimum program requirements, Esurance will tailor a policy discount just for you.
The app also will give you plenty of handy personal insight into the way you drive, pointing out moments when you are driving well or not so well.
If you don’t mind having your driving habits logged, this app presents an opportunity to improve your driving habits and save on your policy all-in-one.
What is Esurance insurance?
Esurance was one of the first insurance companies to start selling policies online and continue to remain a leader in terms of the high-quality online management features it offers.
The company was founded by five enterprising partners in 1999 and is currently based out of San Francisco.
Ensurance is currently owned by Allstate and provides policies in most states.
Known for their millennial-friendly online user platforms, they were also the first providers to offer multi-car discounts that are inclusive to same-sex couples. As such, Esurance has developed a loyal following amongst its growing client base over the years.
How to get an Esurance car insurance quote
There are two ways to get Esurance car insurance quotes. You can use the online quote tool or call up their toll-free number to speak to an agent.
While both these methods will give you a good idea of what you can expect to pay for your Esurance policy, you won’t be able to compare the prices and services offered with other providers.
The best way to quickly and efficiently compare rates to find the perfect insurance package that works for you is by using Jerry.ai to assess your needs and generate hassle-free car insurance quotes online.
The Takeaway: is Esurance right for me?
If you are the type of person who values the time-saving efficiency of online policy management, there is a good chance you appreciate the unique future-forward approach that Esurance takes to car insurance.
That being said, Esurance is probably not the best choice for you if you are looking for tailored policy options or aren’t comfortable navigating the ins-and-outs of the Internet.
In addition, Esurance policy offerings are usually priced higher than the average insurance company, and even with discounts, it probably won’t be the best option if cost-savings are a major priority.
The bottom line is that there are a lot of factors that you need to keep in mind when comparing your car insurance quotes. Jerry.ai is designed to uncomplicate the car insurance buying process, so you end up with the perfect policy while saving time, money, and energy.
Jerry generates 3 car insurance quotes that suit your needs and then handles the changeover when you make your decision. So why put in extra effort when you don’t have to?
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