Elephant Insurance vs. other auto insurance providers
Many companies offer car insurance, but exploring your options can be beneficial. Here’s a look at how some other car insurance companies compare to Elephant.
Elephant vs. Allstate
Allstate is available nationwide and has offered insurance policies for almost 100 years. It’s one of the largest insurance companies by market share and underwrites policies for car insurance, motorcycle insurance, snowmobile insurance, off-road vehicle insurance, and more.
Allstate and Elephant have many similar advertised discounts, but Allstate offers a few more options, like coverage for trips to Mexico and classic car coverage. But the two insurance companies have very similar average monthly rates, according to Insurify data. Elephant’s monthly average premium quotes are $193 for full coverage and $142 for liability-only coverage, while Allstate’s averages are $212 a month for full coverage and $146 for liability-only coverage.
Elephant vs. Progressive
Progressive is also one of the largest auto insurance companies in the U.S. by market share. Like Elephant, Progressive offers a wide variety of discounts.
But one discount Progressive offers that Elephant doesn’t is a teen driver discount. If you have a driver who’s 18 years old or younger on your policy, you can qualify for a discount if they’ve had at least 12 months of continuous coverage.
Progressive’s average monthly auto insurance rate for full coverage is $238 — $45 higher than Elephant’s average rate.
Elephant vs. State Farm
State Farm is another large insurance company that offers car insurance across the U.S. State Farm provides many of the same coverage options and discounts as Elephant.
But unlike Elephant, State Farm offers travel expenses coverage. This coverage helps pay for many travel expenses, such as meals and lodging, if your car breaks down 50 miles or more from your home.
State Farm’s average monthly auto insurance rate for full coverage is $175, which is $18 cheaper than Elephant’s average full-coverage rate.
Elephant Insurance pros and cons
Like all insurance providers, Elephant Insurance has its share of pros and cons. Here are some to consider:
Discounts: Elephant offers many discounts that can help you lower your auto insurance premiums.
Pet coverage: If you purchase collision car insurance coverage and your pet gets injured while riding with you, Elephant will cover up to $1,000 in vet bills and other related costs.
Limited availability: Elephant Insurance is only available in eight states.
High complaint score: Elephant has a complaint rating that’s higher than the national average, according to the National Association of Insurance Commissioners (NAIC).
Filing an auto insurance claim with Elephant Insurance
When you file a claim, you request payment from your insurer for damages to your vehicle or other covered events. You can file a claim with Elephant online or by phone. Filling out a claims form requires details and proof about the incident, such as photos, videos, or a police report.
Elephant allows you to send photos of your vehicle damage via its Claims Photo App. Once you file a claim, an Elephant claims rep should reach out and walk you through the next steps of the process. You can check the status of your claim online or by phone.
Learn More: Why Do Car Insurance Companies Deny Claims?