Esurance – An Overview

Esurance is a subsidiary of Allstate Insurance. It is available only over the phone or online, making it more affordable than other insurance companies that have a higher overhead. It is a smaller insurance company with around a ½-million customers. Esurance is only available in 30 states and has 14 offices.

The History of Esurance

Esurance is a relatively new company. The company was formed in 1999 and is one of the first online insurance companies. In 2004, it started offering discount insurance to gay and lesbian couples, which was a milestone for insurance companies. In the same year, Esurance started an environmentally-friendly program that is designed to save costs and reduce waste. The “Save a Windshield, Plant a Tree” program is designed so that Esurance plants a tree for every customer that opts to repair a windshield instead of having it replaced.

The company was originally owned by Folksamerica Holding Company Inc., before being bought by Allstate in 2011. Esurance has always been located in San Francisco, California. Esurance now offers some other types of insurance, like homeowners, and partners with other insurance companies to increase its geography and insurance plans.

What Makes Esurance Different

Esurance features an easy 3-step policy application process: quotation, purchase and printing of Esurance’s policy. This process eliminates the need for the customer to deal with insurance agents. Also, they do not have to wait excessively for their policies to arrive by mail.

Esurance is regarded as one of the most environmentally-friendly insurance companies available in the United States, it continues to support gay, lesbian, bisexual, and transgender causes. It is also a big supporter of different supporting groups. Its rates are comparable, making it an ideal choice for many individuals.

What Do Customers Say About Esurance?

While Esurance’s claims look good on paper, the company does not do well with customer feedback. Customers say that the agents don’t stand by their quotes and that they have terrible customer service. However, reviews range from the extreme low to extreme highs with websites like epinions.com and insuranceusa.com having the company listed at an average of 2.5 stars out of five stars. Esurance gets this middle rating not by having ‘average’ reviews but by having a mix of 5-star and 1-star reviews.

Indeed, many customers claim that Esurance’s claiming process is clumbersome – to the extent that existing clients are advising new customers to “sign up, but don’t get into accidents, so that you don’t ever have to claim!” Their customer service is less than exemplary as well, according to various customer reviews across review platforms.

Final Word On Esurance

Esurance is ideal for individuals who like to buy their insurance from home, are in a same-sex relationship or who believe in companies that support a cause. The rates are comparable or lower to other companies, however, the level of service may vary depending on the insurance agent or region.

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