Esurance Review

YES!!! I have had Esurance for almost 3 years.  I had an accident almost 6 months after I started my policy and they paid me the TRUE MARKET VALUE OF THE CAR.  I had Nothing out of pocket. My car was totalled it was MY FAULT and I Ran a Stop Sign.  THe other persons had Property Damage and Medical Payments, and IT WAS SO SIMPLE it was like nothing ever happened.  My loan was paid off and I was off to buy another vehicle.  

 They dont even display NON CHARGEABLE ACCIDENTS on your policy.  REcently there was a rate increase and I disputed the rate.  They then made a modification which actually SAVED ME MORE MONEY.  I shopped around at the same time, but everybody else was twice as high  AllState, Geico, Cotton States, Nationwide I shopped around to many many agencies.  ALL WERE TOO HIGH.  Even with my recent accident and pay outs of over $20,000 does not seem they penalized me in my rate the least bit.  I since had two cars since that accident now a 2007 and my rate has been very econimical. 

 We recently also got their Homeowners Insurance for Escrow, saved us $300 per year compared to State Farm who had our Escrow at first.  Esurance gave us the same or better cover as State Farm for a Cheaper Price.  Yes we did get the Replacement Costs Included.  

Multi-Car / Multipolicy discounts the BEST Rates.