Do you want to know how to file claims with Esurance Insurance? Esurance is slightly more expensive than competing car insurance companies and lacks some of the discounts and other features that drivers shopping for insurance normally are offered. However, it does provide an easy-to-use website and mobile app.
This makes it appealing to people who want to interact with their insurer online.
Backed by major insurer Allstate, Esurance is a fully digital insurance company. While it no longer issues new policies, Esurance was designed to serve customers who want to manage their policies online or through a mobile app.
Overview of Esurance Insurance
Backed by parent company Allstate, Esurance sells home, auto, renters, and motorcycle insurance throughout the US. The company was founded in 1999 in San Francisco, California.
Esurance’s online quoting process advertises speedy car insurance quotes and low insurance rates. However, it’s worth noting that at the time of this writing, it does not appear that Esurance is writing new policies. The online quote process brings users back to Allstate.
In 2019, Allstate, which owns Esurance, announced it would begin to retire the Esurance brand. Although the Esurance website remains operational as of July 2023, Esurance no longer sells new policies. If you attempt to get a quote on the Esurance website, you’ll be redirected to Allstate.com or another Allstate affiliate.
The company offers an array of discounts and savings programs in order to provide affordable premiums. Esurance’s DriveSense telematics program rewards safe driving habits with as much as $100 in savings for policyholders.
What types of coverage does Esurance offer?
Esurance provides all the basic auto insurance coverage options. Aside from liability, collision, and comprehensive coverages, Esurance has some additional products worth considering.
- Emergency roadside service. If you have comprehensive and collision coverage through Esurance, this coverage can be included as an add-on for a small additional fee.
- Rental car coverage. This coverage pays for rental fees if your vehicle is undrivable. The unique aspect of Esurance’s program is that it covers your rental costs if you’re involved in a collision and your car ends up in the shop for repairs. Most policies will only provide coverage after an accident. In order to qualify for rental car coverage, you need to have collision and comprehensive coverage on your policy.
- Rideshare coverage. If you’re a driver for Lyft or Uber, you can add rideshare coverage to your policy. This coverage would provide coverage when you’re driving as a rideshare driver. This coverage only applies when you’re working for Uber or Lyft but have not accepted a ride request yet. After this stage, your Uber or Lyft coverage applies.
Esurance offers the coverages typically required by state law. Depending on the state, these may include:
- Bodily injury liability.
- Property damage liability.
- Personal injury protection.
- Uninsured/underinsured motorist.
The company also offers additional coverages that a lender may require for a vehicle financed with a loan or lease:
- Comprehensive.
- Collision.
- Loan/lease (gap).
Finally, Esurance offers additional, optional coverages to maximize your policy’s financial protection:
- Emergency roadside assistance.
- Rental car coverage.
- Medical payments.
Esurance auto insurance discounts
Unlike many insurance companies, Esurance lists only a couple of discounts on its website. And they are not always easy to find—you have to dig a little to see that the company offers a bundling discount.
Esurance offered a long list of discount opportunities when the company was actively writing policies. Now that they have transitioned their quote process back to Allstate, it is not clear which discounts may apply to Esurance customers.
Bundling discount
You can save money by insuring both your car and home with Esurance.Â
DriveSense
DriveSense is an optional usage-based insurance (UBI) program. With DriveSense, you download a special app to your smartphone that transmits driving data in real-time to Esurance. The company then uses this information to calculate a discount. Esurance does not publish the maximum available discount.
It does, however, note that safer drivers have the best chance of saving money.Â
When you start the DriveSense program, you get a sign-up discount while Esurance collects info about your driving. After that, it uses your driving wellness rating to determine your discount. In addition, you can get a bigger discount if more than one driver on your policy signs up for the program.
Esurance does not list the maximum discount that you can earn with DriveSense on its website. However, when the program was first released in 2016, Esurance offered a 5% discount for signing up. The performance discount ranged from 5% to 35% in certain states.
The DriveSense app tracks your driving habits, and Esurance uses the data to determine your “driving wellness” rating. The better your driving wellness rating, the larger the discount you get.
Multi-policy discount
By carrying more than one line of insurance with Esurance, you can earn a multi-policy discount
Claim-free discount
You can earn this discount if all drivers on the policy have been claimed — and DUI/DWI-free — for at least five years and the driver listed on the policy has at least five years of driving experience.
How much does Esurance insurance cost?
According to recent reviews, Esurance is more expensive in many categories compared to other national insurance brands.
Coverage type
A full-coverage policy costs $1,473 per year with Esurance. This is slightly more expensive than a full-coverage policy from other available carriers — Progressive is the second most expensive at $1,381 per year.Â
A full-coverage policy typically includes state-required bodily injury and property damage liability plus optional comprehensive and collision. This level of coverage protects you financially if you’re responsible for an accident that causes injuries or damage to vehicles or other property.
A minimum-coverage policy, which includes only the state-required liability insurance, costs $901 with Esurance. Again, this is the most expensive option of several carriers reviewed. Allstate was the second-most expensive, costing $735.
Traffic violation
A traffic violation can cause your car insurance premium to spike. The Esurance annual premium for a driver with a speeding ticket is $1,797. This is less than Progressive’s $1,964 per year, though the Esurance premium is still on the higher side of the reviewed companies.
Age group
Many parents know that insuring a teenager can shock a family’s budget. Teens are less experienced behind the wheel and typically don’t exercise the level of judgment of more mature drivers. These factors lead to more accidents and correspondingly higher insurance costs.
The cost to insure an 18-year-old with Esurance is $6,656 per year. While the cost to insure a teen is expensive across each of the reviewed insurers, the Esurance premium is by far the highest. Progressive is the second-most expensive company for 18-year-old drivers at $5,990 per year.
How to file claims with Esurance insurance
When it comes to filing a car insurance claim, being prepared is key. Taking the necessary steps beforehand can help streamline the process and ensure a smoother claims experience. Let’s explore what you should do to prepare for filing a claim with Esurance.
Before you begin the process of filing a car insurance claim, it’s important to gather all the necessary information related to the incident. This includes details such as the date, time, and location of the accident, as well as the contact information of the parties involved. By having this information readily available, you can provide accurate and timely information to your insurance provider, which can help expedite the claims process.
In addition to gathering basic information, it’s also crucial to collect any supporting documentation that can help substantiate your claim. This may include police reports, photographs of the scene, and witness statements. These documents can provide valuable evidence and support your version of events, making it easier for your insurance company to process your claim.
Gathering necessary information
Prior to initiating a claim, gather all the relevant information related to the incident. This includes details such as the date, time, and location of the accident, as well as the contact information of the parties involved. Additionally, gather any supporting documentation, such as police reports, photographs of the scene, and witness statements, that can help substantiate your claim.
When it comes to gathering necessary information for your car insurance claim, it’s important to be as thorough as possible. Take the time to collect all the relevant details, including the names and contact information of any witnesses, as well as any other pertinent information that may be relevant to your claim. By being proactive in gathering this information, you can ensure that your claim is processed more efficiently and accurately.
Documenting the incident
Documenting the incident thoroughly is crucial when filing a car insurance claim. Take clear and detailed photographs of any damage to your vehicle and any other vehicles involved. If there are any visible injuries, such as bruises or cuts, make sure to photograph them as well. Keeping a detailed record of the incident will help support your claim.
When it comes to documenting the incident, it’s important to be as thorough as possible. Take photographs from multiple angles to capture the full extent of the damage and any visible injuries. Additionally, take notes detailing the sequence of events leading up to the incident, including any factors that may have contributed to the accident. By providing a comprehensive account of the incident, you can strengthen your claim and increase the likelihood of a successful outcome.
Remember, the more information and documentation you provide, the better equipped your insurance provider will be to handle your claim. By taking the time to gather all the necessary information and document the incident thoroughly, you can ensure a smoother and more efficient claims process.
Contacting Esurance for insurance claims
Esurance provides multiple channels for filing a claim. You can reach their claims department through their website, mobile app, or by phone. Visit Esurance’s website or launch their mobile app and look for the claims section.
You can also contact their claims hotline, which is available 24/7, to report the incident immediately and begin the claims process.
When filing a claim with Esurance, follow the instructions provided on their website or mobile app. Typically, you will be asked to provide your policy details, the incident information, and any supporting documentation. Make sure to be as accurate and complete as possible when inputting the details of the incident.
Once you’ve submitted your claim, an Esurance claims representative will review your case and guide you through the remainder of the process.
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