Esurance vs. other insurance providers
With plenty of providers to choose from, looking for car insurance can be overwhelming. We've compared Esurance's policies, discounts, and features against competitors to see how it stacks up.
Esurance vs. Allstate
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While Esurance is a subsidiary of Allstate, the companies have different perks. At Allstate, you have your pick of discounts, coverages, and bundling opportunities you may not get with Esurance. Additionally, while Esurance offers a digital-first user experience, you may not receive the same quality of service you can get from a live agent.
Esurance's policies are slightly more expensive, at $267 per month for full coverage and $192 per month for liability-only coverage. At Allstate, a full-coverage policy costs $212 per month and a liability-only policy costs $146 per month.
Esurance vs. Liberty Mutual
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Liberty Mutual has a long list of discounts that outshines Esurance’s and includes savings for violation-free drivers, bundling homeowners insurance, getting good grades, and more. While Liberty Mutual doesn’t have a telematics-based app savings program, it does offer coverage options similar to Esurance.
The two insurers’ average monthly quotes are also similar. Liberty Mutual’s average monthly quote for full-coverage insurance is $284, and liability-only coverage is $198. Esurance offers average monthly quotes of $267 for full-coverage insurance and $192 for liability only.
Esurance vs. Progressive
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Progressive is the third-largest provider in the nation by market share.[2]
Aside from the basic coverages, Progressive offers custom parts replacement and a disappearing deductible, which Esurance doesn’t. Like Esurance, Progressive also has a telematics program that the company claims saves drivers an average of $156 on six months' worth of premiums when they renew their policy.
You may pay cheaper premiums with Progressive than at Esurance. Esurance’s full-coverage policy costs an average of $267 per month, and its liability-only coverage costs an average of $192. Progressive’s average full-coverage policy costs $238 and its liability-only coverage costs $161.
Esurance pros and cons
Esurance has several attractive features, but weighing the pros against the cons is important to determine if this company is right for you.
Pros
Highly rated mobile app: Esurance earned more than four stars on the Apple Store and Google Play for its user-friendly functionalities.
Cost-saving telematics program: DriveSense saves you money for enrolling in the program and offers additional savings after that for good driving.
Good selection of coverage options: Esurance offers basic coverages, like collision and comprehensive coverage. It also sells supplemental insurance, like emergency roadside assistance and loan/lease gap coverage.
Cons
Not available nationwide: You can only purchase an Esurance policy if you live in one of 43 states.
Discounts not advertised on website: Esurance only lists one of its available discounts on its website. You must obtain a quote to see the company's other cost-saving features.
Relatively expensive: At Esurance, your premiums may be costly compared to other auto insurance companies.
Filing an auto insurance claim with Esurance
After an accident, you must send your insurance company a request for reimbursement of damages and injuries. This formal request is called a claim.
You need several items and pieces of information to file a claim. This will include pictures of the scene, IDs of all drivers in the accident, license plates, insurance cards, and the police report number, if you have one. Your insurer will also ask you to provide a detailed description of the accident.
Start your claim with Esurance by using its mobile app or talking to a representative at 1-800-378-7262. You can even request roadside assistance on the app if you need a tow.
Check Out: Why Do Car Insurance Companies Deny Claims?
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