Esurance Auto Insurance Review

FinancialAdviser.com Rating: 2 / 5 (Terrible)

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Quick quote and purchase process; average customer service levels

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When Esurance was established over 10 years ago, not many companies were using the Internet as a tool to sell auto insurance policies. Esurance developed and revolutionized the innovative approach to selling insurance online. Although Esurance has not been around as long as their competitors, they have an “excellent” financial strength rating from an independent assessor, which is something you should always look for in an insurance company as it indicates their ability to pay out on policies.

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Pricing

We created several different scenarios in order to determine how each auto insurance company fared from a pricing perspective. Six different quotes were gathered, from three different age ranges and two different cities. Every quote was for a male driving a 2005 Audi Quattro with a clean driving record. In the end, Esurance provided middle-of-the-pack pricing. We did find they were on the slightly more expensive side for an urban city dweller, but as insurance quotes take many different factors into consideration when it comes to pricing, you should get your own quote to see real-time pricing.

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Shopping Experience

The Esurance quote process was quick, but it didn’t offer a Spanish version of the site like some of the other companies we reviewed did. On each page they have a section where you should indicate which discount you qualify for. Their Privacy Policy appears at the top of the Driver Information screen, and you are required to agree to this policy in order to move forward. If you don’t, the website directs you to contact an agent directly via the phone to request a quote. The right side of the screen displays a toll-free number, and also has a feature that requests a call from an agent. Esurance asks for your entire SSN, the only site we reviewed that does this. They explain on screen they need it to verify your driving record, but don’t require it for the online quote. They also ask you detailed information about your current auto insurance policy (if you have one), including how much you pay for it. We weren’t able to deduce why they need this info, as the final quote they showed didn’t match up with the current insurance limits we had entered.

The final quote is displayed in a very user-friendly format, clearly indicating which type of discounts you received (but not displaying the amount you saved) and allowing you to edit your policy information. Each portion of your coverage indicates the cost it adds to the total policy amount, a nice feature. Esurance offers several quotes at different price points and coverage levels, and allows you to either pay the entire premium at once or divide it into monthly payments. They also offer two ways to buy: either purchase online or speak to an agent. If you continue online you’ll be required to provide your social security number and other confidential information so Esurance can confirm your quote.

The final quote also has a customer-friendly quote feature that will automatically calculate and display pricing for the same insurance coverage from other insurance companies. Although Progressive offers this feature too, we preferred the Esurance experience because we didn’t need to enter any additional information to obtain these quotes and the site even allows you to directly buy insurance from one of these other companies.

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Bottom Line

Esurance’s award-winning website expedites the quote and purchase process and even allows customers to purchase insurance from competing insurance providers, a feature our reviewers appreciated. Their pricing was also in the same ballpark as other auto insurance companies, so in all likelihood you’ll get a fair deal.

Esurance offers insurance in the following states:

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin

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elow we cover some of the commonly used auto insurance terms. Terms and coverage offerings can vary by provider. For more specific answers or definitions that aren’t covered here, please talk to the auto insurer directly.

Bodily Injury Liability: If the insured person is found legally liable for an accident, Bodily Injury Liability (BIL) pays for costs related to other people’s bodily injuries or death. It also provides for legal defense costs if you are sued. BIL covers injury to other people, not to yourself and not to your car. This coverage is mandatory in most states. Coverage is limited to the terms and conditions contained in the policy.

Property Damage Liability: If the insured person is found legally liable for an accident, Property Damage Liability (PDL) pays for damage to others’ property resulting from the accident. Usually this property is their car, but it could be a house or other property damaged in the accident. PDL also pays for legal defense costs if you are sued. Coverage is limited to the terms and conditions contained in the policy.

Uninsured / Underinsured Motorist Coverage: If the insured person or their passenger(s) is injured in an accident caused by a driver with no auto insurance coverage or insufficient auto insurance coverage, Uninsured/Underinsured Motorist Coverage (UUMC) will pay for medical expenses and other general damages. UUMC may also pay for injuries that occur in a hit-and-run accident. Coverage is limited to the terms and conditions contained in the policy.

Uninsured / Underinsured Motorist Property Damage Coverage: If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, UUMP will pay for damage to your insured vehicle. Coverage is limited to the terms and conditions contained in the policy.

Comprehensive Coverage: If the insured vehicle is damaged due to an event other than a collision, Comprehensive Coverage (CC) will pay for the damage. For example, CC covers damage to your car if it’s damaged by flood, fire, etc. If your vehicle is stolen, CC usually pays for transportation and loss-of-use expenses. CC pays to fix your car less the deductible you select. Coverage is limited to the terms and conditions contained in the policy.

Collision Coverage: If the insured vehicle hits or is hit by another vehicle or object, Collision Coverage pays for the damage to your vehicle. This coverage may also extend to a rented or non-owned vehicle that the insured is using. Collision Coverage pays to fix your car less the deductible you select. Coverage is limited to the terms and conditions contained in the policy.


Yes, you do. Auto insurance, or proof of financial responsibility, is required in all 50 states. Each state has specific limits on how much insurance you need to have. Check with your state department of insurance to determine what those limits are.


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