Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

Esurance Review

Wednesday, August 17th

2022 Auto Insurance Plan Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award Esurance Review 5 Star Rating

Esurance

5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

Esurance was one of the earliest companies to sell insurance online. They have been a major player in the auto insurance industry for 20 years. They operate on a direct-buy basis with no sales agents. Lower overhead, lower prices! Not sure what kind of auto insurance you want? Esurance offers a coverage counselor online that will help customers figure out what coverage is right for them. There are many options when shopping for auto insurance, we feel Esurance does a great job of helping customers find their perfect plan and price.

Esurance has a very easy website to navigate. Their homepage brags about how "painless" it is to shop for insurance on their website. You can purchase insurance for autos, homes, motorcycles, renters, condo, health, life, business, and more. To check out rates you need to select what kind of insurance you're looking for and enter in your zip code - time to get a quote! Just enter your personal contact information, car(s), drivers, insurance requested and voila - your quotes will appear. You can easily compare insurance quote options side by side and make an informed purchasing decision.

Best Auto Insurance Plans

If you're undecided on what type of auto insurance you want - check out CoverageMyWay. You can personalize your liability, medical and vehicle protection. If you are still unsure, simply call the 1-800 number listed on their website to speak to a licensed agent.

Want to save even more money? There are 3 more ways you can cut costs with Esurance:

  • Switch and Save Discount. Switch from another insurance company and save
  • DriveSense. Drive safe, and you can save money.
  • Bundle Up. Buy more than one policy from the same carrier and save.

Esurance is backed by Allstate, a leader in personal insurance. With Allstate's financial backing and know-how, Esurance is a great option when shopping for auto insurance. Esurance has an A+ financial rating and A- Better Business Bureau rating. Esurance operates in just 43 states, so it might not be available to everyone depending on where you live. But if you're in one of the many states covered by Esurance, you owe it to yourself to check them out for your auto insurance needs. They earn our highest rating.

The 5 Best Auto Insurance Plans

Where Can You Get the Best Auto Insurance?

Auto insurance laws vary from state to state, but every state requires some form of coverage. Carrying sufficient auto insurance is the best way to protect yourself, your family and car if you are ever involved in an auto accident.

Neglecting to purchase auto insurance can cost a driver thousands of dollars in repairs and medical bills. There are also many legal risks involved with not purchasing auto insurance. The penalties vary by state, but you could lose your license, incur hefty tickets at routine traffic stops, and have a hard time renewing car tags and plates. That's part of the reason why we recommend purchasing auto insurance.

The Best Auto Insurance Plans Compare Auto Insurance Plans Compare Auto Insurance Plan Reviews What are the best Auto Insurance Plans Best Auto Insurance Plan Reviews

Auto Insurance Plan FAQ

Auto insurance is used to provide financial protection from physical damage or bodily injury caused by a car accident. It is a contract between you and an insurer that says if you pay a monthly or yearly premium to have insurance, the auto insurance company will take care of costs that arise in the event of an accident. Your insurance might cover things like damage to or theft of your car, legal responsibilities, or medical costs to treat injuries and rehabilitation.
Everyone needs car insurance. Motorists who drive without insurance can receive hefty fines from police officers if they are pulled over. In other cases, their car could be impounded or their driver's license revoked. If you're in a car accident that causes harm to another person or their property, you would be responsible for 100% of the cost which could easily equal tens or hundreds of thousands of dollars. Many states have a pay-to-play rule which states that if you're in a car accident and it's someone else's fault, you can only collect money from their insurance if you have car insurance of your own. In short, it's extremely risky and an overall bad idea not to have auto insurance.
Many auto insurance companies have calculators on their website that ask you a series of questions to help you get an estimate of your monthly or yearly auto insurance cost. If you have a solid driving record and want good insurance, you can expect to pay somewhere around $300-$500 per year. Oftentimes you can bundle and save if you put more than one vehicle on your auto insurance. If you get a speeding ticket or are a responsible party in a car accident, it's more than likely that your insurance rate will go up. This is because the insurance company looks at you as a higher liability.
Some of the main factors in determining auto insurance rates are your driving record, how often you use your car, where you live (e.g. are you somewhere where vandalism rates are high?), your gender and age, the kind of car you drive (e.g. how much would it cost to replace?), and the type of insurance you want. There is no one-size-fits-all insurance policy, so you'll be asked about all of these things when you apply for auto insurance. You may also get discounts for being a good student, bundling more than one type of insurance (like homeowner's and life), or even for being married!
You can change auto insurance policies at any time. If you find somewhere that offers you as good or better car insurance than what you currently have for a better price, go for it! Although it is a minor pain to shop around and fill out the paperwork to make the switch, you can do it at any time. There are no penalties for changing auto insurance companies, but be cautious of the companies that make you pay termination fees.
Some online companies will take your information and match you to the best auto insurance companies around. Others will let you sign up for an auto insurance policy with them directly. It's as simple as finding a highly-rated auto insurance group and filling out an application. You'll be asked for basic personal information and some details about your driving history, location, vehicle, and other things.
It doesn't hurt to get quotes from multiple auto insurance companies. It's a no-brainer that you want to get the lowest premiums possible. Check the company's Better Business Bureau rating and make sure the insurance is comprehensive in offering everything you would need in the event of an accident. As long as the auto insurance company is known for having good customer service, you should be safe signing up for a policy with them.
If you're involved in a car crash, fender bender, or your car is stolen, call your insurance company. It's also wise to get the auto insurance information of all other parties involved so that the companies can work together to sort things out. When you contact your own insurance company, they will ask you any relevant questions about the situation you're in and walk you through the process to give you the best coverage possible.
Compare the Best Reviews

Continued from above...

There are so many auto insurance options available online, it can be confusing trying to find the right one for you. Buyers can opt to shop with a broker, or purchase from a company that provides their own policies. But whichever direction you take, shopping online for auto insurance offers you the widest possible selection right from the comfort of your own home.

When shopping for Auto Insurance, there are many factors to consider. Some of these include:

  • Choice. Does the site deliver competitive quotes from a variety of carriers, or just one quote from a single company?
  • Convenience. Does the site give you real price quotes that you can use to purchase your insurance online? Or do they merely put you in touch with insurance agents over the phone?
  • Cost. How does the quoted rate compare with what you pay now? Remember - rates are determined by your driving record, driving experience, location and safety features of your car.

TopConsumerReviews.com has reviewed and ranked the best auto insurance quote providers available today. We hope this information helps you find the best auto insurance to meet your needs!

Compare Auto Insurance Plans

Select any 2 Auto Insurance Plans to compare them head to head

best-auto-insurance
The Best Reviews of Auto Insurance Plans