Benefits of Esurance Auto Insurance Coverage

The benefits of Esurance car insurance include (1) its online services which reduce pollution, (2) its A+ financial rating, and (3) its 24/7 customer service. Esurance customer benefits are some of the best in the industry.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 30, 2021

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Here's what you need to know...

  • Esurance is a mostly online company which reduces pollution and garbage
  • They have an excellent financial rating
  • Esurance is often an affordable choice for car insurance

One of the biggest benefits that you have when choosing Esurance as your car insurance company is that it is known for having very affordable prices. While the company started out in only three states in 1999, today it is available in 30 states and it is still growing.

Esurance is a financially sound company with an A.M. Best rating of “A+.” You can feel confident when choosing this company knowing that it is able to pay its bills, which includes claims filed by its customers.

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All of the products sold by Esurance are backed by Allstate, which is another nationally known and respected company. Although Allstate doesn’t own Esurance, it is kind of like Allstate is the underwriter, ensuring that all claims are paid for when they are filed.

Is Esurance only an online company?

When it first started, Esurance was an online company only. However, as the company has expanded, it has allowed for its insurance to be sold through independent agents.

It does continue to encourage people to shop for insurance through its site online and Esurance even calls itself an online insurance company.

Part of the reason that it prefers online versus brick-and-mortar is that the company considers itself to be an ecologically friendly company.

It was one of the first car insurance companies to offer paperless billing, which has been an option since 1999. In addition, without offices located in the 30 states where its products are available, Esurance helps reduce air pollution, garbage consumption, and more.

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Does Esurance offer good customer service?

For many people, it is difficult to adjust to the idea of only speaking to a representative online, without the benefit of a local office or agent. However, overall, Esurance seems to be handling this aspect quite well.

Esurance offers a 24/7 customer service line that is manned by live people at all times. In addition, it has an extensive list of compliments from its current policyholders, praising the company for their customer service, affordable prices, and more.

If you are still unsure, you can find more information about Esurance from the Better Business Bureau. With the BBB, you can find out about any complaints against a company.

More than that, you can see specifically what the complaints are about to see if any of them are areas that concern you personally.

How does Esurance send out adjusters if it doesn’t have local offices?

Although Esurance doesn’t have local offices in every city or state in which it sells its products, the company does have 16 regional offices.

Attached to those offices are adjusters, who all use hybrid cars and can handle any adjusting situations that occur in the area in which they are situated.

In addition, as with many other insurance companies, Esurance utilizes independent adjusters. These men and women often contract with Esurance in the state in which they live and investigate claims when called upon.

While they are doing their job, they do represent Esurance although they aren’t usually exclusively contracted to Esurance.

The insurance adjuster is authorized to make an offer to you based on the information that they have collected.

Typically, they are limited to a smaller number than someone directly from the company, but this is only in terms of negotiation. They may receive further authorization if you reject their number and provide proof as to why their initial offer wasn’t accurate.

Is Esurance less expensive than other insurance companies?

One of the benefits to using Esurance is that it has less overhead cost than those companies that support officers around the country. As such, the company often offers lower prices for its insurance products than you might find elsewhere.

The thing is, Esurance may not be the least expensive insurance company for your needs; it is very difficult to say without a quote. Of course, you also need quotes from other sources to compare Esurance to them.

Thousands of people have found Esurance to be the most affordable option for them.

By the same token, there are thousands of people who have found cheaper rates from other companies like:

  • Progressive
  • State Farm
  • Geico

There are so many factors that are considered that it makes it impossible to say whether or not you will get the lowest price with Esurance.

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