Monday, December 2nd
2024 Auto Insurance Plan Reviews
Esurance
- Average quote in 6 minutes
- Available in 43 states
- Save an average of $462 by switching
- Partnered with Allstate
- "A-” Better Business Bureau rating
Esurance is an Allstate company, so these two major players are nearly one and the same. Esurance says they aim to make insurance less painful, more affordable, more transparent, and simple. They sold their very first policy in 1999 and were one of the first companies to offer car insurance online. Esurance is available in 43 states and now offers homeowners insurance, renters insurance, and motorcycle insurance as well as auto insurance.
Big selling points
There are a few reasons Esurance feels confident that customers should use their service. They say you can get a quote in just 6 minutes (on average), 69% of eligible photo claims are approved for payment in just one day, and people save $462 on average by switching to Esurance from another insurance provider. This is all great, but we were disappointed since Esurance makes it seem like you can get a quote online, but that's not actually the case.
Talk with a sales agent
There's no filling out information or "request an online quote” service here. Rather, you're directly provided with a phone number so they can help you out. This means you'll talk with a sales agent over the phone. They'll ask you questions about where you live, your vehicle details, your driving history, and more before giving you the price of auto insurance through Esurance. We do like that Esurance's website is simple and straightforward, but we wish we could just look at pricing without having to talk with someone.
Check your state
Before making time to call Esurance, we recommend doing a quick search online to see what states they provide coverage in. They operate in 43 states, which means any of you who live in the other 7 won't be able to get auto insurance quotes at all.
Phasing out?
Part of the reason you might not be able to get online quotes from Esurance is that it's rumored they're being phased out by Allstate. If you can use a phone number on Esurance's website and get connected to Allstate instead, this is an easy way for them to slowly dissolve Esurance altogether. It likely wouldn't affect your auto insurance policy, but it's worth noting that it's possible the Esurance name won't exist in the future.
Customer-friendly website
One thing we like about Esurance is their website. It really dumbs things down to make sure you understand insurance terms and know what to look for in a policy. They cover limits that drivers must have on their car insurance policies, explain what different coverage is for, and define commonly-used terms. It makes the whole process feel a lot less intimidating.
High BBB rating
Esurance has a nearly perfect rating from the Better Business Bureau, coming in with an "A-”. Their parent company, Allstate, has an "A+” rating, so all around we're looking at good scores. There are mixed reviews from customers who have experienced a wide range of auto issues, but it's a common theme for people to say that they felt pricing from Esurance was really reasonable.
Give them a call
If Esurance really provides quotes as fast as they say they do and they've available in your state, it wouldn't hurt to make a call and get pricing that you can compare with other companies. In the past we have received quotes from them that were actually really competitive, but this all depends on so many variables that it's hard to say what it will be for you. We wish you could get quotes online, but besides this, Esurance could be a great option for auto insurance and you should give them a call.
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Whether you've just turned 16, or you're 99 years old and out driving on the roads, you need auto insurance. This protects you and everyone else by making sure that if an accident happens, it will be paid for and taken care of. Whether you get in a small fender bender or (heaven forbid) a devastating large-scale accident, your insurance will kick in and save you from potentially having to pay thousands of dollars out of pocket.
Besides paying for damage done to your car and anyone else potentially involved in an issue on the road, auto insurance can cover things like theft, weather, keying, or natural disasters. It can help pay for medical bills, lost wages, or even a funeral if anyone is injured or killed. There are a range of other things your insurance can help with depending on the plan like a cracked windshield, which comes in handy since we've all been hit by a flying rock or two on the road.
Auto Insurance Plan FAQ
Continued from above...
There are usually different tiers of auto insurance plans that you can choose from that will determine how much is covered. You're probably familiar with a few big-name auto insurance companies that seem to dominate the marketplace with ads and commercials. But there are actually quite a few companies out there and some could save you a significant amount of money compared to their competitors.
You can usually get a quick online quote within minutes that will help you compare pricing between companies. There are even some services that will take your information and instantly help you compare quotes among a bunch of different companies without you having to visit them one at a time. Depending on your driving history, some of these services give you more accurate quotes than others, but it's always worth a try.
We've done a lot of the deep dive research regarding some of the top online websites that sell auto insurance and recommend keeping the following things in mind when you're shopping:
- Quote turnaround time. It's frustrating to spend time filling out personal information on a website and answering questions about your driving history only to find that instead of providing you with an online quote, you have to wait to talk to a representative on the phone. This can drag out the process and make it hard to easily compare quotes among companies.
- Information required. Most companies ask for basic information like your name and email address before getting started with questions about what you need in an insurance policy. However, some companies require a social security number or other private information before providing an online quote, and we would be wary of this. We like companies that just ask for what they need in order to provide you with pricing rather than try to get as much out of you.
- Reputation. Pay close attention to the Better Business Bureau rating and customer ratings of an insurance company. When you're in a situation where you need your insurance company to step in, it's usually not a fun one and you want to work with someone who will be helpful, responsive, and provide payouts quickly. When you pay for auto insurance, you should expect the company to deliver on their product, but unfortunately a lot of companies make this difficult. Look for a place that people are happy with and trust.
The experts at Top Consumer Reviews have researched and ranked the most popular auto insurance sites you're likely to consider when shopping for coverage. We hope this information helps you have peace of mind as you head out on the road and feel taken care of when the time comes to use your policy!
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