Esurance was one of the first insurance suppliers to offer car insurance online. This online access to an Esurance insurance quote is still one of the company’s most well-known features. Its suite of digital tools also makes Esurance an enticing option for anyone looking to do the bulk of their policy and claims management online.
Backed by Allstate Insurance Company, Esurance provides a range of insurance products. Esurance auto insurance is offered in 43 states, and its home policies are available in 31 states.
Esurance car insurance coverage options and discounts
Esurance car insurance features plenty of options to customize a car insurance policy to meet your needs. With tools like the DriveSense® mobile app, which tracks your driving and rewards you for safe, smart choices and E-star® to help you easily find a repair shop, Esurance is ideal for tech-savvy drivers. In addition to basic bodily injury and property damage liability coverage to meet your state’s minimum requirements, you can choose car insurance coverage options such as:
- Comprehensive and collision coverage
- Emergency roadside service (ERS) coverage
- Rental car coverage
- Loan/lease gap coverage
- Medical payments coverage
- Personal injury protection (PIP) coverage
- Uninsured/underinsured motorist liability coverage
To save on your Esurance car policy, you may want to ask about discounts to your Esurance insurance quote, including:
- Fast 5®: A 5% discount for getting a quote online.
- Multi-policy and multi-car
- Paid-in-full discount
- Online Shopper® discount for drivers in Utah, Illinois and Virginia
- Emergency road assistance: Receive a discount if you’re covered by a roadside assistance program discount.
- Good driver discounts
- DriveSense® discount.
- Good student discount
- Defensive driver discount, which lets you save money by using technology to track your driving. If you drive safely, you can get a discount.
- Car safety feature discounts
These Esurance auto insurance discounts vary from state to state, so talk to your Esurance agent about your options.
Esurance home insurance
Car insurance isn’t the only coverage option from Esurance. It can also offer coverage for your home. The standard home insurance policy from Esurance covers your home and other structures on your property from perils like fire, windstorm, falling objects and vandalism. It also safeguards you against theft and covers your liability.
Again, Esurance’s technology offering shines. With their DIY Home Inspection app, for example, you can score a $50 discount.
In addition to standard home insurance coverage, you can choose additional coverage from Esurance, such as:
- Building codes: This add-on covers part of the cost of bringing your home back up to code if it’s damaged in a covered accident and was built before the new codes were in place.
- Increased building structure: This adds extra dwelling protection in addition to the basic coverage.
- Identity theft expense: If you are a victim of identity theft, this coverage helps with the cost of repairing your credit score and provides credit monitoring services.
- Fair rental income protection: This coverage helps replace the fair market rental income from a space that has become temporarily uninhabitable due to a covered accident.
- Home daycare coverage: This option provides partial cover for medical and liability coverage if you run a daycare in your home.
- Extended premises: This offers liability protection if you run a multi-unit complex and a tenant is injured.
To save money on your home insurance, you may want to get more information about home insurance discounts. While you can get an Esurance quote online, talking to an agent can help you secure all the discounts for which you’re eligible. Esurance offers discounts for home policies, including:
- New home
- DIY home inspection
- Home safety features
- Storm shutter
- Hail resistant roof
- Loyal customer
- Future effective date
- Preferred buyer discount for on-time payment
Esurance renters insurance
Renters can get protection from Esurance and have the luxury of getting an Esurance quote online so they can know how much your policy will cost. Esurance says its average renters policy runs just $14 a month.
Renters insurance from Esurance covers what you’d expect: your personal property, your liability and temporary living expenses if you get relocated by a covered cause. You also have the option to add coverage, including:
- Replacement cost coverage
- Earthquake coverage
- Riders for high-value items
- Sewer or drain backup coverage
To score the most affordable Esurance policy possible, talk to an agent after you get your Esurance quote online. While the provider doesn’t list specific renters insurance discounts on the website, an agent can help you find any discounts for which you qualify to keep your cost of coverage low.
Esurance ratings, reviews, customer satisfaction and complaints
Esurance has earned an A- rating from the Better Business Bureau (BBB), which is not an easy task. BBB ratings are based on how likely a business is to interact and solve complaints from customers. The BBB also collects Esurance reviews. A high BBB rating indicates Esurance insurance customer service is above average for responding to customer questions or problems.
The insurance provider does not rank as highly in the 2019 J.D. Power U.S. Auto Claims Satisfaction Survey, though. This rating system ranks car insurance companies on customers’ overall satisfaction with the claims process as well as specific factors, such as the repair process and claims servicing. Esurance scored just two out of five for overall satisfaction in that study, although it earned three out of five for first loss of notice, repair process, rental experience and claims servicing. However, in another 2019 J.D. Power study that looked at the insurance shopping process, Esurance earned four out of five.
J.D. Power didn’t look at Esurance specifically for home or renters insurance, but it did look at the parent company, Allstate. Allstate earned three out of five for the 2019 Home Insurance Study but just two out of five for the 2019 Renters Insurance Study, although it’s worth noting Allstate scored a perfect five in the “Claims” category.
AM Best, which looks at company’s financial strength, awarded Esurance an A+ rating and said the providers’ outlook is stable. Essentially, that means that you can rest easy knowing Esurance won’t fold anytime soon and will be able to pay out your claim should the need arise.
|J.D. Power 2019 U.S. Auto Claims Satisfaction Study||2 out of 5|
|J.D. Power 2019 U.S. Home Insurance Study||3 out of 5 (Allstate)|
|J.D. Power 2019 Insurance Shopping Study||4 out of 5|
|J.D. Power 2019 Renters Insurance Study||2 out of 5 (Allstate)|
|Better Business Bureau (BBB)||A-|
Reasons Esurance is a great option
If you’re looking for both home and car insurance and don’t want to deal with an insurance agent, this coverage could be a great fit for you because you can get your Esurance quote online. The streamlined Esurance insurance quote and signup process make it easy to get insurance online or over the phone quickly.
This is a prime example of how Esurance is tailored for the digital age. The mobile app is another. The app does more than give you easy access to your ID cards. You can also make changes like updating your address or even adding a new car. You can make payments and file and track claims. With the photo feature, submitting images to help with your claim is a snap while you’re at the site of a car accident, too.
All told, Esurance aims to please the digitally savvy. If you’re looking for quality coverage with robust online resources, get an Esurance quote.
Additional policies offered by Esurance
Policies from Esurance generally focus on car, home and renters insurance, but it also offers other policies, including:
- Motorcycle insurance
- ATV, RV and boat insurance
- Classic vehicle insurance
- Life insurance
- Health insurance
- Pet insurance
- Flood insurance
- Umbrella insurance
- Business insurance
Esurance can cover your car when you drive to Mexico and offers additional policies for things like golf carts, Segways and scooters too.
Frequently asked questions
What do I need to get an Esurance quote online?
To get an Esurance quote online, you’ll need to have your contact information and information on your home, apartment or vehicle. You should also know the contact information for additional drivers.
What repair shops can I use?
Esurance allows you to use any repair shop for covered repairs, but it also offers its E-star repair shop finder tool to help you find an Esurance-approved facility.