esurance Car Insurance is owned by Allstate Car Insurance. The esurance side of Allstate is comprised of over 2,500 associates in 16 offices located throughout the country. This is a car insurance company that is geared more towards being virtual rather than having a physical presence with many office locations. The savings, in turn, are passed along to you.
Formerly known as Esurance Insurance Services, INC., the esurance brand offers automotive insurance services to nearly 90 percent of the United States population comprising of 34 states. The company was originally incorporated in June of 1998 as Silicon Sierra, INC by co-founders Jean-Bernard Duler, Jeffrey Goodman, Huyen Bui, David Griffin, and CHarles Wallace in a $5.5 Million dollar venture. Another $34 dollars was invested in October of 1999. After offering personal auto insurance to just 3 states initially, esurance was one of the first insurance companies to give side-by-side quote comparisons. In May of 2011, Allstate auto insurance announced the acquisition of esurance for $1 billion.
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While esurance has an A+ rating through the Better Business Bureau, they do have quite a sketchy reputation online. A quick search for “esurance review” yields several consumer complaint websites. After a detailed analysis of these complaints, we determined the largest issue is response time after filing a claim and reaching a customer service rep via telephone. Several other complaints also indicated that esurance would not cover engine damage due to a collision. While we are unable to verify the accuracy of those reports, several complaints appeared on both ConsumerAffairs.com and RifOffReport.com.
Pros of esurance
esurance Car Insurance is mostly known for their lower rates and online tools. Because of their “virtual” nature, you can do almost everything online like file a claim, pay your bill, and even print out your proof of insurance. They will typically give you a quote from multiple companies as well. If you are budget minded and don’t mind the virtual nature of esurance, this is a great choice.