What Does Esurance Full Coverage Auto Insurance Cover?
Esurance full coverage auto insurance offers great protection for your vehicle, but is the cost worth it for you?
Written by Matthew Lynaugh
Reviewed by Shannon Martin
A full coverage auto insurance policy with Esurance includes liability coverage, collision protection, and comprehensive insurance. You will need full coverage if you want your car insurance to pay to replace or repair your vehicle if you are in an at fault accident—and Esurance charges some of the most expensive rates on the market.
Many questions come with owning a car, and one of the most important ones you have to ask yourself is what type of insurance you want. Choosing your state’s minimum liability protection will be the cheapest route, but it can leave you dipping pretty deep into your pockets if you are ever in an accident.
To ensure you and your vehicle have more robust protection, insurance providers like Esurance, offer full coverage policies which include collision and comprehensive coverage. Keep reading to see if opting for Esurance full coverage is worth it for you.
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversWhat does Esurance full coverage insurance cover?
First thing’s first, let’s go over precisely what full coverage means. Interestingly enough, there isn’t a universal, concrete
full coverage
definition, so when inquiring about full coverage, be specific about the level of protection you need on your policy. When an insurance provider offers “full coverage” or a lender requires “full coverage” to finance your car, they are generally referring to an insurance policy that includes at least these three coverages:- Liability insurance:Legally required in most states, liability coverage pays for damage and medical bills for other drivers and their property in an accident you cause.
- Collision insurance:Esurance collision coverage pays to repair or replace your vehicle after it is damaged in a collision with another car or stationary object, regardless of fault.
- Comprehensive insurance:Comprehensive insurance protects against just about everything other than a collision, including theft, severe weather, and vandalism.
A full coverage policy from Esurance would have
bodily injury liability coverage
, property damage liability coverage
, collision coverage, and comprehensive coverage to protect you against minor accidents, major mishaps, and most everything in between.Does full coverage really cover everything?
No, despite its name, full coverage doesn’t cover everything! Auto insurance providers and lenders use the term “full liability” to distinguish between this more inclusive coverage and basic liability insurance. The key difference is that with full coverage, you can submit claims to cover your own vehicle—hence why lenders demand it. But you can still be stuck with some out-of-pocket expenses due to an accident in some situations.
This is why Esurance offers plenty of other coverages that, combined with full coverage, help fill in potential coverage gaps. Browse the table below to see all there is to choose from.
Other types of Esurance auto insurance coverage
Type of coverage | Description |
|---|---|
Esurance roadside assistance is an inexpensive add-on that covers common breakdowns on the side of the road and will pay for things like a tow, jumpstarting your car battery , or gas refill. | |
Also known as MedPay, medical payments coverage from Esurance will help pay for any medical bills that you or your passengers incur after a collision, regardless of fault. | |
Similar to MedPay, PIP covers medical expenses resulting from an accident and is required for Esurance customers in no-fault states . | |
Uninsured motorist coverage helps offset medical bills, lost wages, and pain and suffering if you’re ever in a collision caused by someone that is not insured or is underinsured. Esurance also offers uninsured motorist property damage is also an option in some states. | |
Rental car coverage from Esurance reimburses you for rental car costs whenever your car is in the shop after an accident, but you’ll need to have collision and comprehensive coverage to add this on. |
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In addition to the car insurance coverage options in the table above, Esurance offers other insurance products, like
homeowners
and renters insurance
.Is full coverage car insurance from Esurance worth it?
Full coverage car insurance is typically worth it for drivers with a
clean driving history
and good credit—-but you should still compare insurance rates from other companies before committing to Esurance.No state legally requires full coverage, but lenders often require it—so if you lease or finance your car, you will likely need to purchase full coverage to protect it. Even if you own your vehicle outright, full coverage is generally worth its cost to protect yourself against
a total loss
—unless your vehicle is only worth a few thousand dollars. If paying for car repairs
or needing to buy a new car suddenly would put you in a financial bind, full coverage would be a good option. Benefits of full coverage Esurance car insurance
If you have a full coverage policy from Esurance, you’ll:
- Meet any lender or leasing company requirements
- Be protected if you live in areas with severe weather or high crime rates
- Be able to submit a claim for a totaled vehicle
If you live in an area where theft, inclement weather, and vandalism is common, or drive on highly congested roads, full coverage is nearly always worth the cost.
Drawbacks to full coverage Esurance car insurance
Conversely, there is some downside to a full coverage policy. For example:
- Full coverage is costs much more than a minimum liability policy
- Your rates will increase after a claim
- Along with the cost of the coverage premium, you will pay adeductiblebefore any collision or comprehensive claim payout
If the price of full coverage has you hesitant, check out some
car insurance discounts
. Esurance offers reduced rates for bundling multiple policies, graduating college, and paying your bills on time, just to name a few.Does Esurance have the best full coverage auto insurance?
In general, most insurance companies offer the same type of coverage, and Esurance’s coverage isn’t much different than any other company.
So, what are the differences? Well, the rates, for starters. Every provider uses different factors, such as, gender, age, address, driving history, credit score, and much more, to calculate a driver’s rates. If Esurance views you as a safe driver with low risk for submitting claims, you could obtain reasonable rates.
On the other hand, other insurance companies, like
GEICO
, Nationwide
, or Progressive
, could have more attractive rates available based on your overall driver profile. For instance, young drivers tend to pay much more with Esurance. This is where doing your research and understanding your specific needs and budget come into play.Price isn’t the only crucial determining factor when acquiring an insurance policy—customer service is almost as important. Unfortunately, customer satisfaction ratings are not a strength for Esurance. Even though Esurance is a subsidiary of
Allstate
, a standout in customer service, Esurance has only mustered a 1/5 star rating from the Better Business Bureau (BBB), with nearly 800 complaints reported in the last year.The most effective way to determine if a full coverage policy from Esurance is right for you is to compare quotes from at least three to five different providers. You can always call an Esurance agent or request a quote online—or even better, use a licensed broker to compare insurance rates in real-time.
The bottom line
Esurance offers above-average full coverage insurance rates for most drivers, especially new, inexperienced drivers. Since full coverage permits you to submit damage claims for your own vehicle, it can be worth the additional cost to help you save in the long run should anything unfortunate happen on the road.
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FAQs
Is full coverage ever not worth it?
This will vary for every driver, but if you drive an old, high-mileage car, full coverage is probably not worth the cost. As a rule of thumb, if replacing your vehicle costs less than your full coverage premium and deductible combined, you should skip the coverage and save your money.
What is a deductible?
Simply put, a deductible is an amount you must pay out of pocket for a claim before your insurance kicks in to pay the rest. Several deductible options are available and usually range from $50 to $2500—the lower the deductible, the higher the price. In most cases, deductibles are a part of collision and comprehensive insurance, but in some states are applied to uninsured motorist damage and personal injury protection as well.
What is minimum liability insurance?
Most states require minimum liability insurance for drivers to prove financial responsibility before hitting the road. This is the least expensive legal insurance policy, and covers costs associated with vehicle damage and bodily injury in an accident you cause. It will, however, not protect your vehicle.
