This page is for informational purposes only. MyChoice is not affiliated with this company.
About Esurance Car Insurance
Esurance Insurance Services, Inc. is an American company that started offering vehicle and home insurance directly to U.S. consumers in 1999. Its direct-to-consumer approach – employing the phone and an innovative online platform – quickly gained popularity with customers, and Allstate purchased Esurance in 2011. Today, Esurance operates as a wholly owned subsidiary of Allstate.
The company expanded into Canada in 2015, offering insurance services in Alberta. Ontario expansion came two years later. Unfortunately, since July 2018, Esurance Canada has ceased offering customers new policies and sold policy-renewal rights to Ivantage, a broker within The Allstate Group.
How Esurance’s Customer Reviews Compare to Other Insurance Companies
| Insurance Provider | Company’s Online Rating |
|---|---|
| Esurance | 1.4/5 |
| Perth | 1.2/5 |
| The General | 4.7/5 |
| Zenith | 4.2/5 |
| Certas | 2.1/5 |
Why Choose Esurance Car Insurance?
The goal of Esurance is to simplify purchasing and managing your insurance policy. You undergo the entire process of applying for auto insurance through an Esurance online platform, to which you upload all required documents. If you run into any problems, don’t worry. A 24/7 support line is available through the Esurance Call Center.
The company focuses on streamlining the purchasing process and managing insurance policies by avoiding esoteric language and minimizing the paperwork required to apply for an insurance policy. This empowers customers to take control of their insurance needs and feel safer with their choices.
Paperwork can’t be completely eliminated, but Esurance keeps it to an absolute minimum. Whether you want to check on the status of Esurance car insurance or file a claim, Esurance handles the tasks through a member-only website that is easy to navigate and use.
Esurance Car Insurance Pros & Cons
Below are some main pros and cons of getting car insurance with Esurance. These are based on the company’s online reviews.
| Pros | Cons |
|---|---|
| Efficient Claim Handling (Initially) | Poor Customer Service and Communication |
| GAP Insurance Integration | Delayed Claim Processing |
| No Out-of-Pocket Costs for Some Claims | Increasing Premiums |
| Limited Availability as Esurance is Being Phased Out |
How Can You Save on Car Insurance with Esurance?
Thanks to its streamlined business model and use of an online platform, Esurance maintains low operating costs compared to traditional insurance providers. These reduced costs enable the company to offer a significant discount on insurance policies. Here are just a sample of those discounts:
In addition to all the discounts Esurance offers, the member website delivers an extensive knowledge base about different types of policies, coverages, and tips for saving money on insurance premiums. That includes tools such as Coverage Counsellor, which offers advice about choosing the right insurance coverage for your needs, all via an online questionnaire. The customer remains at the center of the business model.
What Other Insurance Products Does Esurance Offer?
As a part of Allstate Family, Esurance focuses on providing two home and motorcycle insurance types rather than covering a broader area.
Esurance’s Expansion into Canada
Esurance’s headquarters are in San Francisco, California, and its insurance services were initially available only within that state. By 2000, Esurance had expanded into 24 states in the United States. Traditional insurance providers, such as Allstate, were losing policyholders to Esurance, GEICO, and Progressive, eventually triggering Allstate’s plans to acquire Esurance.
At the time of acquisition in 2011, Esurance offered its services in 30 U.S. states. Allstate acquired the company for about $1 billion, providing wider U.S. coverage and international expansion. Expansion into Canada began in 2015, with Esurance offering insurance policies in Alberta. Ontario’s expansion followed in 2017. Esurance did cease to offer new policies in Canada in 2018, though it continued to serve existing customers. In 2018, Esurance also sold policy renewal rights to Ivantage, another Allstate subsidiary.
How To Submit A Claim With Esurance Insurance
Customers were given access to Esurance’s exclusive members-only website, enabling them to file and oversee claims digitally. Once a claim is submitted, a dedicated claims representative will contact the claimant for additional details. This representative would also organize a vehicle inspection and assist with various steps of the claims procedure, such as securing a rental car.