Esurance Insurance Company

Esurance Insurance Company

Utilizing best in class innovation, Esurance offers a consistent on the web and versatile experience alongside instinctive instruments that help remove the issue from protection. 

Esurance not exclusively was one of the main organizations to bring vehicle protection on the web, in 1999, it has likewise ceaselessly improved everything about the internet citing process and propelled advancements, for example, video and photographs claims administrations and online inclusion exhortation through the Coverage Counselor. In October Esurance likewise propelled a compensation for each mile program, Esurance Pay Per Mile, for its clients in Oregon. 

Esurance and its individual Allstate Insurance Group organizations asserted 9.97 percent of the private traveler accident coverage showcase as of June 2015, the latest information accessible from information investigator A.M. Best. That makes Allstate Insurance Group the third-biggest accident protection bearer among the in excess of 1,400 followed by Best.

Types of coverage available from Esurance

Contributions can fluctuate by state. 

• Auto 
• Pay-as-you-drive plan: DriveSense 
• Pay-per-mile (Oregon as it were) 
• Bike 
• ATV 
• Vessel 
• RV 
• Travel trailer 
• Exemplary vehicle 
• Bike 
• Golf truck 
• Segway 
• Mortgage holders 
• Tenants 
• Apartment suite 
• Umbrella risk 
• Flood

Esurance auto insurance discounts

Offerings can vary by state. Some features may be optional.

Multi-policy discount:  Have a homeowners or motorcycle insurance policy in addition to your auto policy gets drivers a discount.  Both policies get a discount; savings vary. 

Paid in full discount:  Pay your premium in one lump sum when you buy or renew your policy and get a discount of up to 10 percent.

Switch and save discount:  Switch to Esurance from another auto insurer, without a gap in coverage, and save up to 5 percent in many states.  Discount lasts for first to policy terms.

Fast 5 discount: Start a quote online at esurance.com to get a 5 percent discount off your first-term premium.

Online shopper discount:  In Illinois, Utah and Virginia, if you start your quote online, you can receive a discount for being an online shopper.  (Discount amount varies)

Homeowners discount:  Own a home and obtain a discount on your auto insurance.

Renters Plus discount:  If you’re an Esurance auto policyholder and rent a home, condo or apartment and get a renters policy with Esurance, you can save by having 30 percent of your renters coverage premium is deducted from your car insurance rate.

Emergency road assistance discount: You could save up to 5 percent on your premium by buying emergency road assistance from a provider other than Esurance, such as AAA. 

Claim-free discount:  Specifics vary by state but most common qualifications are:

All drivers on the policy have gone at least 60 months (five years) without an at-fault accident claim or DUI/DWI conviction

At least one person on the policy has 5+ years of driving experience

You had other car insurance at the time you bought your Esurance policy

In some states, comprehensive claims under $1,000, glass-only claims, and emergency road service claims won't disqualify you from the discount in subsequent terms.

Depending on your state you could get a 10 to 25 percent discount.

Pac-12 discount:  You can save up to 15 percent on your premium if you attend or are an alumni of any of these Pac-12 schools:

University of Arizona, Arizona State University, University of California at Berkeley, University of Colorado Boulder, University of Oregon, Oregon State University, Stanford University, University of California at Los Angeles (UCLA), University of Southern California (USC), University of Utah, University of Washington, Washington State University

Defensive driver discount:  Also called mature driver, driver improvement or accident prevention course discount and typically applies to older drivers who have completed a defensive driving course. You can save up to 10 percent off certain coverages and is good for three years.

Good driver discount:  Hold a driver’s license for three years with one or zero penalty points and get 30 to 40 percent discount.

Good student discount: Full-time high school, college or university students under 25 years of age with at least a B average can receive up to a 10 percent discount on liability, collision, and medical payments coverages.

Multi-car discount: Insure more than one car on the same Esurance car insurance policy to receive a discount.

Anti-theft discount: You can receive a discount of 5 to 25 percent off your comprehensive coverage for having an anti-theft device in your vehicle.  Requirements vary by state; in some a simple alarm will count, while in others a vehicle recovery system is needed for the discount.

Safety device discount:  You can save between 2 and 33 percent on medical payments and PIP coverage if your vehicle has manufacturer-installed airbags or automatic seat belts.

Antilock brakes discount:  Get a 5 percent discount if your vehicle has antilock brakes.

DriveSense discount:  Install a telematics device to have your driving monitored and you can receive a discount.  The discount is of 5 to 10 percent for signing up, and then you earn a personalized discount each subsequent policy term, based on your driving.

What would make Esurance customers switch?

We surveyed more than 4,000 auto insurance customers about how much they would need to save before switching from their insurance companies.

2% of surveyed Esurance customers say they would never switch auto insurance companies (average of 20 major companies: 10%)

98% said they would switch for savings of $1,000 (average: 90%)

91% would switch for savings of $500 or less (average: 83%)

75% would switch for savings of $250 or less (average: 63%)

28% would switch for savings of $100 or less (average: 30%)