Esurance Reviews, auto insurance reviews.#Auto #insurance #reviews


Esurance Reviews

Auto insurance reviews

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Auto insurance reviews

Auto insurance reviews

Read 134 Reviews

(based on 134 reviews)

Auto insurance reviews

of respondents would recommend this to a friend.

    • Customer Service:
      • Affiliation:
      • I received a sample (3)

    Most Liked Positive Review

    Great company, and service with Esurance.

    I was driving home when a car pulled out and hit me. I was fine, but my car needed repairs. The other driver had Esurance. He gave me the details, and told. Read complete review

    I was driving home when a car pulled out and hit me. I was fine, but my car needed repairs. The other driver had Esurance. He gave me the details, and told me that I could phone them.

    Totally on the ball.

    Had one that saved us money on our premiums.

    Most Liked Negative Review

    False Promises-Beware of Bait and Switch

    Do not get esurance for your care insurance. About a year ago, I switched from Geico to Esurance. My monthly premium for Geico was $165.00. When I called Esurance for a price. Read complete review

    Do not get esurance for your care insurance. About a year ago, I switched from Geico to Esurance. My monthly premium for Geico was $165.00. When I called Esurance for a price quote, I was very excited and happy to get a quote for the same coverage for only $95.00! Well about 5 months down the road, I had a fender bender. I hit a tree and my front was damaged but my car was still drive able. I called and spoke to the Esurance customer service representative and they assured me that if I had claimed this accident that my monthly premium at most should go up a few dollars, if that. Well I just received my new policy and my rate went from $101.00 per month to $270.00. An increase of $170.00 (or 170% increase, if you do the math). I thought this was a joke but after speaking with the manager for more than a half an hour she said that they were sorry and the reason why my rate went up was because of my fender bender. They kept apologizing, of course, but couldn’t reduce my rate. I have been driving since I was 19, I am 35 now, never filed a car insurance claim and because I got a minor accident my rate goes through the roof. I have been a very safe driver for all these years and I can’t believe that they are trying to screw me. This is literally, highway robbery, even the Mafia isn’t this bad! I will never go back to them after all the promises of them saying that they are the best and my rate wouldn’t go up at all. I would understand a few dollars but to go from $101 to $270 is absurd. They make all these promises in the beginning but never follow through. Complete waste of time and money! Never again!

    Reviewed by 134 customers

    from Knoxville, TN

    Comments about Esurance :

    I made the mistake of changing insurance to save a few dollars. After only 5 months, esurance increased my auto premium by $70, claiming I no longer qualified for the new customer discount . Then when I found another insurer cancelled both my auto homeowners policies, esurance charged me cancellation fees to the tune of $70. Is this how they show all their clients appreciation for their business? My advise: take your business to ANYONE but esurance. They’ll find a way to screw you too!

    • Affiliation:
    • I received a sample

    Bottom Line No, I would not recommend this to a friend

    Was this review helpful? Yes / No

    ( 1 of 1 customers found this review helpful)

    Don’t buy Esurance

    Comments about Esurance :

    I would advise against buying Esurance auto insurance. Esurance was the lowest price initially when we moved to Texas so we went with them. The first renewal period our premium increased 25%. Then we moved down the road 10 miles and even after a multi-policy discount (we added homeowners insurance), our premium went up another 15%. We will be shopping for different auto and homeowners insurance.

    Bottom Line No, I would not recommend this to a friend

    ( 1 of 1 customers found this review helpful)

    Was this review helpful? Yes / No

    ( 2 of 2 customers found this review helpful)

    Cancelling after 1 month

    from Bethlehem, pa

    Comments about Esurance :

    We got esurance for our homeowners because they were much less expensive and had decent reviews but dont be fooled. We received a letter today stating we had a critical repair that needs to be done or our policy would be cancelled. The interesting thing is we had a home inspection AND appraisal done before purchasing this house and both scored the roof as good condition. Esurance will not accept those documents. Also because our foundation is stone our rate increased over $100. why wasnt this an option when we sigmed up? The woman i spoke to said because stone foundations are very rare. really? Every house on my street and probably 50% in my city are stone bevause its a historic town. cancelling them immediately.

    Bottom Line No, I would not recommend this to a friend

    ( 2 of 2 customers found this review helpful)

    Was this review helpful? Yes / No

    ( 1 of 2 customers found this review helpful)

    Claim Payment avoidance

    from Forest Grove OR

    Comments about Esurance :

    On January 1st of this year, while traveling on Pacific Ave between Forest Grove and Cornelius, a driver entered the highway from a driveway on the north side of the road, entered the center divider while speeding up, and pulled into my vehicle. It happened fast enough that I did not have time to react to avoid the collision. We both pulled to the right shoulder of the road immediately to exchange personal and insurance information. He told me that he didn’t see my vehicle as he sped up to merge. I asked how he couldn’t see a 2007 Chevy Tahoe that has automatic daytime running lights, to which he simply stated again that he did not see my vehicle. Based on the other driver’s insistence that he would insure his insurance company would cover all repairs and his pleading that I not let the police sort the accident out, I felt it best to immediately contact the police and report the accident.

    When the police arrived, he and I both provided a statement (police report is attached). The investigation seemed to take longer than I thought it would. It turns out the reason for the length of the investigation is that his Washington driver’s license came back as being suspended, so he was going to be cited for the accident. Though there was evident body damage, my vehicle seemed to be in good working order, so after the police left, I continued driving the vehicle. I was a little rattled by the suddenness of the accident, so I decided to go find a parking lot and park for a bit to settle down. I also decided that I would forgo the errands I had intended and try to make a little money driving for UBER.

    Immediately upon returning home that evening I completed an accident report for Oregon DMV, and filed a claim online with my insurance company (Esurance). I received an email on January 2nd from Esurance informing me of the claim number and adjuster assigned to the claim. (insufficient room for complete review)

    • Affiliation:
    • I am an employee or otherwise affiliated with the brand

    Bottom Line No, I would not recommend this to a friend


State Auto Insurance Review – Complaints, Auto, Home – Business, auto insurance reviews.#Auto #insurance #reviews


State Auto Insurance Review

Auto insurance reviews

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State Auto Summary

State Automobile Mutual Insurance Company was founded in 1921 in Columbus, Ohio. The company’s goal was to offer more affordable auto insurance with better overall service. In the 1930s, the company expanded to serve more states and offer more products, adding homeowners insurance and general liability. Fire and marine were added in in the 1950s, along with acquiring additional companies.

In addition to the Columbus headquarters, State Auto has regional offices in Nashville, TN, Indianapolis, IN, Austin, TX, and Baltimore, MD. They offer coverage in 33 states through a network of independent agents.

Today, State Auto offers home, auto, marine, farm, business insurance, as well as a few specialty policies through subsidiaries.

Insurance Products

State Auto’s product lineup covers most of the basics in addition to a few specialty areas.

Auto Insurance

Auto insurance is the product that started the company and remains a part of their name, making it their flagship product.

State Auto offers customized auto insurance policies through their CustomFit program, which allows customers to select the coverage that best meets their needs. In addition to the usual basics of liability, collision, and comprehensive, they offer a variety of additional options that can be added:

  • Replacement Cost coverage
  • Free glass repair
  • Towing and Labor

They also offer the AutoXtended package, which includes:

  • Rental car coverage
  • Pet medical
  • Locksmith services
  • Emergency transportation and travel expenses
  • Disability wage loss
  • Death indemnity

State Auto has a variety of discounts available, including a substantial auto/home bundling discount and their Prime of Life program, which offers additional discounts for drivers over 45 who also have a homeowner’s policy with State Auto. The Prime of Life program adds the AutoXtended coverage at no charge.

Home Insurance

State Auto writes homeowner’s insurance policies for both detached single-family residences and condos. Coverage includes basic structure, personal property, and liability. All with additional features and options.

Homeowners has three separate package endorsement options: Securguard, Defender, and Estate. Each of these has additional limits and coverage to increase protection.

Similar to the auto program, there is a HomeXtended package that provides additional coverage, including:

  • Increased coverage for identity fraud
  • Computer and coverage for personal use business equipment
  • Volunteer liability
  • Rented golf cart
  • False alarm and fire extinguisher recharge/replace
  • Cell phone and GPS coverage
  • Mortgage extra expense

Also as with the auto policy, this package is added for free with the Prime of Life program.

State Auto offers Farm Owners Insurance that covers the dwelling, farm personal property, livestock, farm buildings, and more.

Additional Products

Polices are available to cover a variety of personal property items as well as watercraft either by endorsement on a homeowner’s policy, or as a standalone.

Inland Marine policies can cover items like furs, jewelry, musical instruments, and a variety of other high value items.

Pleasure Craft policies cover boats of all sizes, from sailboats to yachts.

State Auto writes business insurance for businesses of all sizes, from large to small. Coverage options include:

  • Property
  • Liability
  • Data Compromise
  • Fleet Safety
  • Vehicles
  • Umbrella/Excess Liability
  • Worker’s Compensation
  • Employment Practices Liability
  • Business Practices
  • Risk Control

State Auto Rates

State Auto insurance is sold exclusively through agents, and as a result there is no online quoting and no easy way to obtain a price comparison. The sale of policies through agents means commissions, something that usually equates to higher premium costs.

State Auto is unlikely to compete price wise with large insurance companies, however, may be competitive with other regional insurers.

Claims

State Auto offers two methods of submitting a claim:

The website also states that you can begin the claims process by sending them a direct message through Twitter (@stateauto). Online claims reporting is becoming an expected service, although it’s still somewhat unusual to see smaller companies offering it, so it is good to see this service available here.

The online claims service promises a call from a claims associate within the next business day to gather more information about the claim. After the initial contact, the adjuster will begin investigating the claim, reviewing the damage, and determining what benefits are available under the policy. They will then obtain estimates and settle the claim with the policyholder.

State Auto has a network of repair shops that are part of their “Quality Service Guarantee”. While policyholders can choose any repair shop they want, these shops will offer a warranty on their work.

Consumer Research and Complaints

State Auto has been accredited by the BBB since 1941, and currently has an A+ rating. There are a total of 70 complaints in the past three years, with 23 of those closed in the past 12 months. For a company as large as State Auto those numbers are not high.

There are some negative reviews out there, as there are for all insurance companies, but in general the numbers are low. There are enough positive reviews to counter those complaints. It seems as though there is a lot of confusion in the reviews between State Auto and State Farm, so it can be hard to tell to which company the complaint actually refers to.

Overall, there’s nothing of concern in the complaints, either in volume or content.


Car Insurance Online, 21st Century Car Insurance, auto insurance online.#Auto #insurance #online


What You Need to Know About Getting

An Online Auto Insurance Quote

Auto insurance online

Article Highlights

Determine your car insurance needs and requirements

Check for discounts when you buy auto insurance online

Make sure you have sufficient coverage

Getting an online auto insurance quote from 21st.com will help you save time and energy. While the process is simple, there is some essential knowledge that will ensure you get the best coverage for your money.

Determine Your Insurance Needs Before You Buy Car Insurance Online

Establish a definitive list of your auto insurance needs before getting an online auto insurance quote. There are two separate aspects to this list – the legal requirements of your state and your own coverage needs.

First, determine exactly what your state s minimum coverage requirements are. Each state is different, so make sure you thoroughly research what you need. This is your auto insurance coverage ground level and you can work up to build a policy that perfectly fits your needs.

The rest is based on your assets, driving record, and comfort.

The amount of coverage you want covered for bodily injury and property damage liability insurance is something to carefully consider. Given today s medical and repair or replacement costs, you want to make sure that you are prepared with adequate protection. It is highly suggested that you purchase enough coverage to insure your own financial security in case of an accident.

Next, checking into your driving record can unveil a wealth of information. This may help you understand why you are paying your current price for auto insurance. Perhaps there is a speeding ticket from a few years back or a small fender-bender that you will need to take into account during the insurance quote process.

Finally, there is your comfort level. Consider extra coverage if you have a newer vehicle, are nervous about losing your car for a week or two and not having extra money for a rental, or simply want to make sure that potential repair bills will be covered. This is the portion you have the most control over – do you want to pay more for peace of mind or save some extra cash on a lower deductible? With a little thought on this point you will know the answer.

Auto insurance online

Check for discounts when you quote auto insurance online

Make sure to check on what discounts may be available to you prior to buying auto insurance online 21st Century Insurance offers competitive discounts, including a discount for good students and buying a vehicle with safety features like airbags and Anti Lock Brakes (ABS). A little due diligence could uncover cost-savings.

Keep Consistent Coverage when you buy car insurance online

If you are switching auto insurance companies, be especially careful to avoid gaps in coverage. If your current insurance policy expires and your new one has a few days before going into effect, you could be left without coverage. This is not only unsafe, but may be illegal.

To ensure this situation doesn’t happen to you, wait until your new policy goes into effect prior to canceling your old one (if changing mid-policy). If you are changing at the end of your current policy, work closely with a 21st Century representative to ensure that your policy will keep you covered.

Also, when canceling mid-policy, be sure to get confirmation of the termination in writing from your current insurance provider. You will have proof if there are any issues in receiving refunds of an unused premium, just in case.

21st Century is Here To Help

Remember that 21st Century has representatives on hand to help with any questions or issues that may arise and provide you with an online auto insurance quote.


Best Insurance Companies, best auto insurance.#Best #auto #insurance


Best Insurance Companies 2017: Customers rate today’s top carriers

Jennifer Shelton – Last updated: Nov. 9, 2016

It s easy to feel like you got your money s worth from a delicious meal or a much-anticipated vacation, but what about when it comes something you don t necessarily want but need like which are the best insurance companies?

Fortunately for you, there are people like us who earn that money by combing through information about insurance companies (and actually really enjoy doing it).

Each year, Insure.com s Best Insurance Companies Survey reveals the 20 best auto insurance companies and the 15 best insurers for health, home and life insurance.

So instead of worrying that you re not getting the best that our hard-earned money can buy, you can enjoy that sweet satisfaction that comes with being a savvy consumer.

Auto, health and home insurers were ranked based on the ratings from surveyed policyholders in the categories of customer service, claims service, value for price, plan to renew, and would recommend. These five weighted categories reflected the priorities customers ranked the highest when considering insurance needs.

Our survey is a great tool in helping alleviate the anxiety of wondering if there s something better out there that you re missing, says Jennifer Shelton, managing editor of Insure.com. You might ask five or six family members for recommendations or spend hours online or on the phone. We ve asked more than 3,700 people, and in one glance, you can make the best determination for your needs.

Best auto insurance companies

Companies rate factors different, so variables — such as road construction, crime rates and accident frequency in your city, which change from year to year — can make a difference in the way a company would quote a policy. One company might rate the area in which you live more favorably than another, so it s always worth comparing quotes at least every couple of years so you can take advantage of best rates available.

For 2017, USAA reclaimed the top spot for auto insurance. The insurer has established reputation for treating its insurance members very well, but maybe that s because not just any John or Jane Doe can sign up. USAA requires military affiliation in order to have an account.

Auto Club of Southern California took second place this year, and while it is a state-specific insurer, the AAA affiliate insures more than six million members. Rounding out the top three is another AAA insurer: CSAA Insurance Group. Don t be fooled by the name; CSAA doesn t just service the state of California. The insurer writes coverage in 23 states plus the District of Columbia.

It shouldn t discourage you that the top three companies are affiliated with organizations. First off, USAA has a number of ways to show military association. And while the Auto Club of Southern California does require a AAA membership, CSAA does not, so anyone can purchase an insurance policy. However, you could also become a member of AAA and reap the additional benefits that come with that, such as road service.

Residents of the Golden State aren t short of choices, but going with an insurer who is completely focused and familiar with one of the most densely populated areas of the country seems to be a good choice.

Best health insurance companies

Health care in the U.S. can be an overwhelming field to navigate, so finding a company with which you can feel satisfied and cared for is like winning the Olympic Gold Medal at Adulting. Whether you have insurance through your employer, the Marketplace, or an individual policy, familiarizing yourself with the players in the game and their plan offerings and can help you make better choices come open enrollment.

Blue Cross Blue Shield affiliates appeared to have done a good job keeping consumer happy this year. Florida Blue and Blue Cross Blue Shield of Michigan took the number one and number two spots, both earning 4.75 stars for customer service — the highest in the health survey.

A New York-based provider, EmblemHealth, received the third spot on our health insurance survey.

Between these three state-specific health insurers, they service over 12 million members of the 289 million Americans with some form of health insurance.

Best home insurance companies

Car insurance commercials constantly urge you to switch and chances are — unless you are an undiscovered superhero you re using your health care benefits a couple of times a year. But homeowners insurance is often not thought of much past the requirement to have it with your mortgage loan or in the unfortunate event of a home disaster. Your home insurance protects what is likely your most valuable asset. Understand your needs or your current policy, then compare the options carefully, and rest a little easier.

After earning the top spot in the auto category, USAA earned its second first-place finish this year with an overall score of 97.5, the highest score of the entire survey.

The distance between first and second place was the widest in the home category with a seven-point difference. Chubb has a reputation as the go-to company for high-end insurance needs, and it s high and consistent scores would indicate its clients are pleased with the result. Currently, the runner-up writes coverage in 31 states.

Allstate came in just a sliver behind Chubb with an overall score of 90.3, despite the nationwide insurer earning a perfect five in claims processing,

Best life insurance companies

Due to the unique nature of life insurance products, claims processing and likelihood of renewal are omitted from the scoring. The categories of customer service, value for price, and would recommend are the weighted factors measured in ranking the best life insurance companies.

In the only category where national and non-state or member companies reigned supreme, Voya Financial, formerly ING, came out on top this year in the life insurance category with a stellar overall score of 97.1 and a perfect five stars in customer service. The multi-line insurer, State Farm, came in second, and John Hancock Life Insurance finishes the top three.

Smaller companies may be keeping customers more satisfied

The overall trend observed is that smaller, leaner companies specializing in their particular line or region seems to be more successful at keeping their customers happier than those that are large enough to spread to every type of coverage and financial product. That said, there were a couple of successful Goliaths.

Penny Gusner, consumer analyst for Insure.com notes, It s remarkable that State Farm and Allstate are able to maintain such high marks in customer service. It s not uncommon to see companies as large and with such diverse products lose the ability to keep customer service at the heart of the company values.

Insure.com commissioned Op4G to survey more than 3,700 insurance customers nationwide in June 2016. The survey collected customer ratings for 20 leading companies in the auto category and 15 leading companies in each of the home, health and life categories. Only current customers of the insurers on our lists were surveyed, and the survey was not open to the general public on the Insure.com website.

Auto, home and health insurers were ranked according to a weighted 5-point measurement of the following factors: customer service, claims processing, value for price, would recommend and would renew. Life insurers were rated on a weighted 5-point measurement on customer service, value for price, and would recommend. Weighted measurements were derived from surveyed policyholders rank of prioritization of these factors.

The A.M. Best ratings, discounts and coverage options noted in the survey do not affect the scores, but are provided as a supplementary resource.

Insure.com makes these ratings freely available via this site. The views and opinions expressed by users do not reflect the views and opinions of Insure.com. Insure.com expressly disclaims any and all liability in connection with the ratings.

  • Best auto insurance
  • Best auto insurance
  • Best auto insurance
  • Best auto insurance

How to find the best auto insurance, best auto insurance.#Best #auto #insurance


How to find the best auto insurance

When it comes to auto insurance, best depends highly on the individual. You may be seeking a cheap solution for your old, rarely used car or the maximum coverage for your new family wagon. Here are several tips on getting the best auto insurance for any situation.

Start shopping online

Before you make any calls, try to do your own research online. When you pick up the phone, you might surrender to an auto insurance sales pitch without knowing all of your options. Use Bankrate.com’s auto insurance quote finder to get a conclusive comparison to narrow down your options.

Focus on four auto insurance companies

Pick four reputable car insurance companies and visit their official websites for additional information. Learn as much as you can about each company and read customer reviews. You may find more negative reviews than positive, but at least it will give you a little insight to others’ experiences. The more comfortable you are with your decision, the more you will feel like you have chosen the best auto insurance for your situation. Sometimes price isn’t as important as quality.

The value of face-to-face

Sometimes an in-person interaction adds significant value to your plan. Being able to walk into an office and discuss your auto insurance is empowering. Before you lock into a deal, make sure the auto insurance company is local. Developing a real relationship with your agent can only better your chances of getting the best deal on auto insurance.

Know what will save you money

If you are looking for the best deal on auto insurance, make sure you aren’t overlooking money-savers like being married or your car’s safety features. There are many individual qualities that can lower your premiums and save you money. Here are some additional tips to save money on auto insurance.

Review your plan annually

Keep up with your plan to ensure you still have the best auto insurance possible for your situation. If anything in your life changes, you could be eligible for a lower premium. Again, having a good relationship with your auto insurance agent will help you save.


Car Insurance Quotes – Auto Insurance Quotes: Farmers Insurance, auto insurance online.#Auto #insurance #online


Auto Insurance

Get an auto insurance quote

America’s finest agents, quote and buy online, great discounts, and award winning claims service.

Why Farmers Auto Insurance is a Smart Choice

At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world. and these days, your needs may go well beyond “basic.”

That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

Car insurance with Farmers means:

Control over your policy

You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

Personalized attention

Your personal, dedicated and local Farmers agent is there when you need them, and our helpful Call Center agents are always a phone call away.

Insight and guidance

Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.

Convenience

Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

Smart savings

Our long list of auto insurance discounts saves you money on smarter coverage.

24/7 protection

Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

Customize your Auto Insurance policy with plenty of coverage options

Farmers understands that in life, as in Car insurance, foresight and awareness are everything. When it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it.

That’s why Farmers Auto insurance gives you beyond-basic coverage options to help you spot coverage gaps and cover other unexpected costs.

Consider additional coverage options* like:

Accident Forgiveness

You’re normally a great driver, but you just had your first claim in years and you’re nervous about your rate changing. Well, if you have this option, don’t worry! Farmers will forgive one accident for every three years you drive without one.**

No Fault, No Foul

Accidents happen (that’s why you have insurance), and Farmers knows that they aren’t always your fault. That’s why, with this option*, your rate remains unchanged when you’re not at fault in any accident while your Farmers policy is in force.**

Small Claim Forgiveness

With this option, your rates will never go up because of a fender bender or other small accident even if it’s your fault.

Incident Forgiveness

Get a speeding ticket? Pretty frustrated? We understand these things happen. With this added option, Farmers won’t increase your rates for a citation, as long as no claim is filed.**

Farmers Rideshare

Insurance coverage for rideshare drivers doesn t have to be confusing. Farmers Rideshare can provide you with seamless personal auto coverage until the full commercial liability coverage provided by your rideshare company begins.

Start today with a quick online Auto insurance quote. You can even conveniently purchase your new Car insurance policy online too.

You can always speak to a local Farmers agent to learn more about coverage options, or talk about your coverage needs.

*Not available in all states.

**Benefits apply to Farmers customers only, and do not include any incidents or violations occurring before the date of insured with Farmers.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.