A thorough Essentia car insurance review reveals that customers are getting their coverage from a company that is part of the OneBeacon Insurance Group.

The company offers property damage, liability insurance and medical coverage as part of a standard insurance policy. Policyholders also have the option of adding additional coverage if they wish.

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OneBeacon Insurance has been serving customers since 1831. It is a holding company based in Bermuda, and through its various companies provides insurance solutions to residents of all 50 states. The company’s products are sold through a network of independent insurance agents.

Customers who choose to be covered through Essentia Car Insurance and who need to make a claim against their policy can get the help they need to resolve the situation quickly. The company hires local adjusters to deal with these matters. Customers can contact a company representative 24 hours a day to report a claim.

Optional coverage offered by Essentia Car Insurance includes roadside assistance. Policyholders who run into car trouble can get the help they need without having to worry about paying for the service on an out-of-pocket basis.

Another example of optional coverage offered by Essentia Car Insurance is gap insurance coverage. This protection pays the difference between the cash value of a car that is totaled in an accident and the amount that remains outstanding on a loan. When a policyholder has bought an expensive vehicle, this type of coverage can make good sense, since the car may depreciate in value faster than the loan is being paid off. If these policy types sound attractive then you may wish to obtain an auto insurance rate quote from Essentia.