Esurance

Esurance Reviews



Overall 4 star rating3.86 of 5 (by 69 users)



Esurance Review Summary

Insurance companies generally offer individual, physical locations to assist customers but one company that is strictly a web- based operation is Esurance.com, a online casualty insurance provider. Because Esurance is internet based, it is easy to access online and easy to process claims online. Esurance will even drop auto insurance rates if customers go one full year without any at- fault accidents. However, Esurance does require auto- pay; adds extra charges to premiums; and will raise rates quickly if an accident occurs. “Best Value I Could Find” and “Don’t Buy It (Car Insurance) From Them if You Ever Think You Will Have a Wreck” are among the honest quotes about Esurance, making it an inconsistent Insurance Company that will not necessarily satisfy everyone equally.
42% of people rated Esurance as 5 stars
42% of people rated Esurance as 5 stars%
42%
33% of people rated Esurance as 4 stars
33% of people rated Esurance as 4 stars%
33%
4% of people rated Esurance as 3 stars
4% of people rated Esurance as 3 stars%
4%
9% of people rated Esurance as 2 stars
9% of people rated Esurance as 2 stars%
9%
12% of people rated Esurance as 1 star
12% of people rated Esurance as 1 star%
12%
81% 81% of people recommend Esurance 19% of people don't recommend Esurance 19%
 

Esurance Comparison

5 star rating Most Helpful
Favorable Review
FEB
16
2008

I have had the same car insurance for years (Progressive) I just was not happy with them any more.  One evening I was watching T.V. and I saw the ad for Esurance it all sounded to good to be true.  I went on line and filled out the questionnaires with in minutes I got an insurance quote.  I was paying...

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reviewer
on a budget

micheleobrig
Seattle, WA
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1 star rating Most Helpful
Critical Review
MAR
3
2008

Esurance is one of the lowest INITIAL cost insurers for Auto Insurance.  Once my policy was up, they renewed me at a little more than the orginal policy amount.  I shopped around and found other companies with equal to better rates for the same coverage.  The company I did find was a little higher,...

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reviewer
an moderate investor

dude1966
Lake Elsinore, CA
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Esurance Ratings and Reviews

items/page: 15 | 30 | 50 displaying 1 to 13 of 69 sort by: most helpful | date | rating


5
helpful
votes
Love to save money, comparison shopper, appreciative of good service, on a budget

DEC
13
2007
Esurance was great, got me a lower yearly insurance payment by about 300.  But then there is a 6.00 a payment charge, you have to auto pay out of your checking account every month, the six month policy started out with a downpayment, and four payments, then somehow changed to a payment every month.  Customer service via email is slow and they didn't answer my questions, after three attempts to ask the same question in a different way, I gave up. 
4 star rating
reviewer
tiara6671
Le Roy, NY



4
helpful
votes
in debt

FEB
22
2008
They are the lowest insurance around and you can reach them 24 hours a day and get immediate assistance, like when we had hail damage to our truck they were out the next day and wrote us a check on the spot for the damages.  We have 3 vehicles that are insured under them for full coverage and we only pay $128 a month.
5 star rating
reviewer
jessicalee1181
Saint Paul, MN



2
helpful
votes
paying cash

JUL
1
2009

Esurance was very easy to use.  Their website was easy to navigate and didn't take a long time to set up a policy.  Their prices were competitive though seemed to be a bit higher then companies, like Safe Auto, that advertise to low income families.  The set up was painless and my policy was complete in under 20 minutes.  For someone like me, who doesn't use credit cards, paying esurance was more difficult then using a local company.  In the past I've been able to just drop off a payment along with my other errands and this took a bit more work to make payments on time.  The few instances...

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4 star rating
wyldepixie
Delaware, OH



1
helpful
vote
an animal lover, safe driver, appreciative of good service, safe driver with a good record, comparison shopper, your basic auto insurance user, researcher

NOV
20
2007

I had two cars insured with esuance:

A Grand Marquis driven by a middle aged female, college graduate with a good driving record.

A Mustang driven by an 18 Year Old New Driver who had one minor accident.

I cancelled the insurance on the 18 year old driver with the accident claim.

AND ESURANCE RAISED, (YES RAISED!) MY 6 MONTH PREMIUM FROM LESS THAN $500 FOR 6 MONTHS TO OVER $1500 FOR 6 MONTHS!

I appealed this decision 5 times! It was difficult (nigh, impossible) to talk to a "real" person at esurance. When I did talk to a real person I was told:

"You lost your multi-car discount".  I pointed out (several...

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1 star rating
reviewer
crickett85
Anaheim, CA



1
helpful
vote
paying cash, an animal lover, safe driver, on a strict budget

MAY
10
2008
I have had e-surance for at least 5 years & my rates have dropped over the years. My daughter had an accident. They were quick to take care of the claim & paid quickly as they totalled her car out & it didn't raise my rates! The few times I have had to call customer service they have been very friendly & helpful. They do charge a $3 monthly charge for paying it by the month but at least I don't have to come up with the entire 6 month premium at one time which would be hard for me to do. So I'll pay the $3 for that service of monthly payments. Even with that factored in to the premium price its... read full review »
5 star rating
reviewer
Hersheys996
Ozark, IL



1
helpful
vote
on a budget

MAY
7
2008

I've been using esurance for my car insurance for almost a year now.  The price is comprable to other companies and the ease of handling my policy is unmatched.  I recently purchased a new vehicle to replace one I junked.  One click removed the old car!  Adding the other was a simple process of answering a few questions and choosing the amount of coverage I wanted.  The site also had clips of the upcoming Speed Racer movie that I enjoyed!

 All in all, esurance is by far the simplest and most user-friendly company I've found to date.

 


4 star rating
Sparky1369
Homer City, PA



1
helpful
vote

FEB
27
2008
Although esurance is a very convenient company, which allows you to enroll in insurance online, it is very deceiving. I was a esurance policy holder for three years, with a good driving record, no accidents, and no tickets. In that three years, with every renewal my premium went up a bit. The customer service reps could never explain why the premiums were going up.
1 star rating
reviewer
barneskds
Philadelphia, PA



1
helpful
vote
on a budget

FEB
17
2008
excellent and very knowledgable and helpful claims adjusters that come out to look at you vehicle.   make sure that your car is fixed to the best it can be and follow with the body shop while your car is being repaired
5 star rating
reviewer
masmass
Melrose Park, IL



1
helpful
vote
in debt

FEB
24
2008
E-Insurance is great if you need to have insurance for work, but when I had an accident E-Insurance was as competent as our president.
1 star rating
reviewer
Smartpolitician13
Boise, ID



D
an moderate investor

FEB
13
2008
"Finding esurance the hard way"

Due to a parking ticket issued while my car was stolen, I lost my license and my insurance!

I had moved, and did not get the notices.

I did not know until I went in to renew my license that it had been suspended for failure to appear on a ticket I didn't know existed because it was issued on my Caprice while it was stolen!


When I finally got the ticket  explained, I went to the Police department where the car was found, and got a copy of the police report, and took it to the city where the ticket was issued, and got it dismissed. The DMV update, however, would not...
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5 star rating
reviewer
CabanaBob
Berkeley, CA



D
on a strict budget

OCT
14
2009

I purchased Esurance actually at the car lot from which I purchased my vehicle. They were extremely professional over the phone and the internet process was so simple. I also recieved an honest accurate quote, despite my long list of traffic violations. I recieved a lower quote by more than $113 as compared to other companies (if they approved me). They use the customer's bank account and payment automatically comes out! So simple! When my insurance was do they used convenient, fast, and effective communication methods to assure that I would not have a lapse in coverage. I did have a few late or...

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4 star rating
2009 Writer
sms1361
Panama City Beach, FL



D
appreciative of good service, comparison shopper, Love to save money, A realist, Multi car/driver household, on a budget

DEC
12
2007

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...

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4 star rating
reviewer
Makado1967
Stone Mountain, GA



D
safe driver with a good record, your basic auto insurance user, Love to save money

DEC
12
2007
After enduring many, many insurance companies in the complex and high priced insurance laws in my home state of New Jersey, along came esurance to rescue me.  They offer great rates, excellent online managing of your policies and over, not only auto, but home, motorcycle and boat insurance as well.  I liked them so much that I have suggested them to all of my firends and family.  Only two little hiccup in this comapny that I can find.  My oldest daughter is also an esurance customer and after an accident they were fairly slow in her accident claim.  The adjustor that was assigned to her... read full review »
4 star rating
reviewer
lee5606
Swedesboro, NJ



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