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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 8, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • They offer online convenience and financial strength
  • You have the option of an increment between $0 and $1,500 for your deductible
  • They do not have the same expenses as more traditional insurance companies

If you are asking yourself what car insurance coverage and deductible options does Esurance offer, then you just might be surprised. Despite the bust of the dot-com era, this business persevered.

It maintained its technological advantage to many other insurers by offering online convenience and financial strength.

White Mountains Insurance Group Ltd. is the parent company for Esurance. All of Esurance’s policies are transacted online although there are 14 offices throughout the country.

This business employs more than 1,700 employees and is licensed in 30 states around the county.

Esurance does not limit its services to car insurance, but you can also purchase life, home, health, and pet insurance coverage from the company.

It maintains an excellent rating with A.M. Best, who found the company to be financially sound. With this being one of the first online insurance carriers, there are plenty of reviews to give you a good perspective of the business.

Get your car insurance quotes in minutes by entering your ZIP code in the search tool above.

Table of Contents

What car insurance coverage options are offered by Esurance?

Does Esurance have full coverage? Your state actually establishes the minimum coverage requirements you are required to carry on your vehicles. Since Esurance is only licensed in 30 states, it can only offer coverage in those same 30 states.

The usual coverage options are broken down into categories: liability; casualty; collision; and comprehensive.

Your liability coverage is your responsibility to the other driver and the vehicle they are driving at the time of an accident. Casualty coverage is a technical term for your basic coverage and includes your uninsured or underinsured protection.

Your collision coverage protects your car in cases of impact with another car or object.

Comprehensive coverage protects your car against all other possibilities, such as vandalism and acts of nature.

You can opt for additional coverage such as rental reimbursement and roadside assistance.

This last option is a common add-on so that in the event your car is in for repair, you will not be without a vehicle or stranded on the side of the road in an emergency.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

What car insurance deductible options are offered by Esurance?

Your deductible is the portion of your insurance that you pay after an accident. You are given an option of an increment between $0 and $1,500.

This should be a number you can comfortably pay should you have an accident, since your insurance will not pay until you pay your portion of the bill.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

What are the benefits of choosing an online car insurance company?

It was not until people were able to compare car insurance rates online that a clear decision could be made between numerous carriers in minutes. Some may wonder if an online company will help you save on premiums.

This is a possibility with Esurance since it does not have the same expenses as more traditional insurance companies.

Although Esurance advertises on television, it may not need as much office space as a traditional company.

If this company is saving money in advertisement and administration, it can pass the savings on to its customers.

In turn, Esurance attracts a market of those looking exclusively for a cheaper rate.

What are the benefits of choosing Esurance?

Esurance is on the cutting edge of business practices and is a member of the Better Business Bureau Online. The company has taken the steps necessary to assure its members that online services can be just as superior as traditional services.

The company also uses Verisign, which is an online security system that assures its users that the website where you are visiting and entering information is secure.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Is Esurance a good car insurance option for my specialty car?

If you are a car collector or own a renovated classic car, Esurance can meet your needs as well. You can get new purchase coverage instantly, in addition to auto show medical reimbursement. Your rare replacement parts will not be a problem for Esurance.

It will make sure you get the proper replacement parts when you need them, and offer monitoring services so you can watch the mechanic repair your car.

What are people saying in Esurance reviews?

People have plenty to say about Esurance since it operates under a fairly new concept in relation to car insurance. Although many say they saved anywhere from $100 to $500 with the company, others are talking about keeping Esurance honest.
While one was unsure of the company’s intentions when they were quoted a higher state minimum requirement, another was sure of the intent.

This reviewer was certain they were getting the run around when they were still trying to settle a claim after three months. The recurrent comment related to overcharging and excessive quotes for a particular vehicle or state.

If you are willing to devote the time to reading, you will be able to make a conscious decision based solely on Esurance reviews.

Compare online car insurance rates by entering your ZIP code here for FREE to get the process started!

References:

  1. http://www.esurance.com
  2. http://www.whitemountains.com/
  3. http://www.ambest.com
  4. http://www.360financialliteracy.org/Topics/Insurance/Cars-and-Auto-Insurance/State-by-State-Minimum-Coverage-Requirements
  5. https://www.esurance.com/insurance/car/coverage
  6. https://www.esurance.com/info/car/car-insurance-deductibles-the-basics
  7. https://www.esurance.com/info/car/myth-commercial-car-insurance-policies-are-not-just-for-big-business
  8. https://www.bbb.org/