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3 Things to Know About Esurance Auto Insurance

Dena Standley | January 25, 2024

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Esurance makes it easy to apply for auto insurance, offers several coverage options, and has less than stellar reviews. These are just a few things you should know before signing up for Esurance auto insurance.

Esurance is a San Francisco-based auto insurance company that has been in operation since 1999. They have captured consumers who prefer online-based insurance services. Esurance offers its policies at premium rates in most states, with customers having mixed reactions about their services.

If you are looking for a reliable car insurance company, Esurance may appear as one of the top contenders. It is a legally operating online car insurance company owned by Allstate. Esurance has been in business for 25 years. It has marketed itself as an auto insurance company that enables its clients to get coverage with ease and convenience. They offer car insurance and have home, motorcycle, and renters insurance policies.

Even though Esurance has competitive car insurance rates, they have limited discounts and fewer coverage options than their competitors. If you are debating whether Esurance is right for you, you are in the right place to find helpful information. This article gives you three main things you must know about Esurance auto insurance coverage.

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1. It’s easy to apply for Esurance auto insurance

Since Esurance primarily operates online, you will visit its website to access quotes and services. The first step will be to enter your ZIP code, and you'll be redirected to fill out an application form according to your state's auto insurance laws. In the form, you must answer multiple questions because the insurance rate you get will factor in this information. It includes:

  • Full name
  • Date of birth
  • Address
  • Marital status
  • Education status
  • Work address
  • Living situation
  • Driver’s license number
  • Vehicle identification number
  • Vehicle mileage and usage

After submitting your details, you'll get a personalized quote, and you can proceed to fill out any other paperwork needed and make payments. Afterward, you can log in to your Esurance account and access your digital insurance card.

2. Esurance offers several auto coverage options

Esurance offers you various car insurance products and policies. They allow you to purchase full car insurance coverage or minimum liability insurance. The following options are available:

  • Collision coverage: Covers replacing your car or the cost of repairs.
  • Liability coverage: Includes property damage liability and bodily injury liability. Most states require you to take this cover.
  • Comprehensive coverage: This covers other severe damages to your car that don't involve road accidents.
  • Personal Injury Protection (PIP): Takes care of other people's medical bills, lost wages, and car damages when you are at fault.
  • Uninsured and underinsured motorist coverage: Handles bodily injuries and property damage.
  • Med pay: Covers hospital bills for you and your passengers.
  • Emergency roadside assistance coverage: Takes care of emergency roadside assistance like towing, spare tire changes, and fuel deliveries.

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3. Esurance doesn’t have great reviews

Esurance customers have mixed feelings about their services, with a significant number having had unpleasant experiences. The table below shows less-than-average customer ratings from various online platforms, each on a scale of 5 stop-wage-garnishment-alabama.

Esurance Reviews
Online platform Average rating
Trustpilot 1.4 stars
BBB 1.07 stars
Consumer Affairs 1.3 stars

Here is an example of a real complaint against Esurance, posted on its BBB profile.

I'm an Esurance customer and am currently in a claim where Esurance sent my claim to National General, a different insurance company. Despite paying Esurance, they refuse to give me an Esurance supervisor despite requesting one numerous times. This forced me to deal with the national general staff despite turning in all documents. I have been waiting over a month since 12-19-23, and my vehicle has yet to be repaired. I check reviews for Esurance and National General, and countless customers share that they are paying yet not getting repairs. This is unethical on so many levels.

Other customers have positive reviews about the mobile app's friendly interface and ease of use. These reviews are found on the Apple App Store with a rating of 4.8 and Google Play Store with a 4.3 rating. Here is a review from the Google Play Store.

Respond to Esurance debt collectors

Falling behind on your car insurance payments isn’t fun, and dealing with debt collectors is even less so. If you owe money to Esurance and go long enough without paying, they might send your account to collections.

SoloSuit can help you answer debt collectors, stop collection calls, respond to a debt lawsuit, and settle debt. If you’re struggling with debt, check out the SoloSuit blog to learn more about how to handle it.

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