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Esurance Car Insurance Review

The name “Esurance” probably brings images first of a pink haired cartoon spy, but it has become a notable force in the world of cheap car insurance. Offering free online quotes, and faring well in rate comparison it’s no mystery why they’ve managed to gain the customers they have.

Esurance launched it’s auto insurance business in 1999. It immediately began to grow quite quickly, likely thanks to it’s popular “Erin Esurance” advertising campaign. In 2009 the company announced a new customer service focus with the slogan “People when you want them, technology when you don’t.”

The defining features of Esurance are as their name might suggest their user friendly internet tools. Almost all interactions between you and the company can be done online quickly and easily on their website. Everything from easily retrieving your policy number to filing a claim is as easy as filling out a few fields on a web page. For those of you with an iPhone Esurance even offers a smartphone app, which offers almost everything the website does!

Esurance has branched out from cheap car insurance in the past few years and offers motorcycle, RV, and boat insurance. Esurance also offers a variety of non-vehicle insurance such as homeowner’s or renter’s insurance allowing you to choose just one insurance provider.

Policies from Esurance are offered in 30 states. They offer coverage in Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington State, and Wisconsin. Information on your specific state, such as policies available or coverage options, can be found easily on their website at

Esurance’s customer comment is mixed. Customers tend to praise their customer support, calling them extremely polite and well informed. Most customers also greatly enjoy their website, praising it’s ease of use and full range of functionality. Their cheap rates also garner a significant amount of comment as well, with some customers reporting significantly lower rates than their competitors.

Other customers however find that Esurance’s low auto insurance rates are not quite as low as your quote may say. Many customers report being victims of hidden fees and sudden upward rate hikes. A number of other customers say that Esurance did not fight hard enough for them in accidents that they were not at fault for, and that they ended up with rate increases for accidents they did not cause. A number of former policy holders also talk of a final insult when after having a poor experience with Esurance they were charged $50 to cancel their policy.

In Conclusion:

Pros of Esurance:
* Fast free quotes
* Easy to use, fully featured web site
* Friendly and polite phone support available when the web site just won’t cut it
* Many coverage levels available to fit your specific need
* iPhone app
* Low rates far well in comparison to major providers
* Insures a large array of your other possessions
* Coverage available in 30 states

Cons of Esurance:
* Lack of local branches and individual agents
* Potentially misleading quoted insurance rates
* Arbitrary occasional rate increases
* $50 fee to cancel a policy

Reviewer’s Opinion:
Esurance is a solid option if it fits your needs, however it doesn’t fit everyone’s. If you hate customer support and are comfortable on a computer this may be the right provider for you.

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