Are Esurance and Allstate the same company?
Esurance and Allstate are not the same company. However, Esurance is a wholly owned subsidiary of Allstate. In other words, Esurance is technically a part of Allstate's network. Esurance offers a wide variety of insurance products with a modern approach by utilizing technology in its processes.
Is Esurance a standard company?
Esurance is an insurance company that is backed and owned by Allstate. It offers many insurance product options including car, homeowners, renters and motorcycle insurance. Esurance has a modern approach to insurance with the use of technology to offer customers the convenience of an online website and mobile app.
Does Esurance check credit?
Esurance may take your credit standing into consideration when determining prices for your insurance premiums.
Most insurance companies do. Your credit score can affect your car insurance rates in all states except California, Hawaii and Massachusetts. It can affect your homeowners insurance rates in all states except California, Maryland and Massachusetts.
If allowed in your state, Esurance uses LexisNexis to inquire about your credit-based insurance score. LexisNexis provides consumer reports and looks at information on your credit history from credit bureaus.
More about Esurance
Esurance's mobile app, available on iOS and Android devices, allows policyholders to view their insurance ID cards, manage their policies, file a claim, track a claim, receive roadside assistance and access a GPS.
Esurance offers Express Lane where customers can visit its website and only have to enter their name, date of birth and address in order to obtain a quote. Esurance will do the rest of the work in looking up previous insurance information.
DriveSense is a program offered by Esurance where customers are rewarded a discount based on their personal driving habits.
Once customers enroll, they can download the DriveSense mobile app and start driving as they normally would. This program is available to Esurance customers in Arizona, Colorado, Connecticut, Georgia, Louisiana, Maryland, Michigan, Minnesota, Missouri, New Jersey, Ohio, Pennsylvania, South Dakota, Texas, Utah, Virginia, and Washington.
You can learn more about the company by reading Esurance, Inc. reviews . Or share your own experience with our community by writing a review of Esurance, Inc.
Pros and Cons - Sourced from customer reviews
- Easy-to-use website
- Explains coverage well
- Transparent pricing
- Flexible billing options
- Variety of coverage options
- Doesn't reward loyal customers
More about Esurance reviews
One of the important things to note up front about Esurance is that although the company is well-known and is owned by Allstate Insurance, it isn't available in all 50 states, so if you are interested in securing a policy for either home or auto insurance, your first step is to verify that it's available in your state, which is easily done at Esurance.com.
An analysis performed by Clearsurance of the reviews of Esurance insurance reveals largely positive feedback. Customers like the easy-to-use online services and website, but even more frequently noted are the low rates and good prices.
Getting an Esurance quote is easy, just follow the prompts at the Esurance.com website. Whether you are looking for auto, home, or renters insurance, start at the website.
Esurance auto reviews are plentiful on Clearsurance, and feedback from customers is typically focused on price. There are a number of discounts available for policyholders, such as:
- Starting your quote online
- Bundling with other policies, such as renters or homeowners insurance
- Insuring multiple vehicles with Esurance
- Paying premiums in full
- Students under age 25 are eligible for discounts on premiums if they maintain good grades
Drivers can also save money by installing the DriveSense app on their phones. While you are driving, the DriveSense app keeps track of how you're doing, and the program will give you discounts based on your safe driving habits.
Reviewers mention that Esurance claims are typically handled quickly and efficiently. Although there is occasionally some negative feedback, for the most part customers cite a favorable claims experience when it comes to Esurance claims reviews.
As mentioned above, Esurance also offers homeowners insurance and renters insurance. Homeowners insurance covers both the physical structure of your house and your belongings from covered perils such as fire, lightning strikes, theft, and wind damage.
Reviewers again note the ease of use of being able to access their policy online through the website or through Esurance's app to do things like make a payment or add items to a policy. Filing a claim is an easy process too, using the technology tools that Esurance is known for.
A typical Esurance review for homeowners or renters insurance will include phrases like “great prices” and “good value.” Customers also frequently mention saving money by having both auto and homeowners insurance, or auto and renters insurance through Esurance.
Renters insurance policies are also easy to access through Esurance.com, and is affordable coverage. If you're wondering “how is Esurance?” take a few minutes to look through reviews and see what customers say about the coverage, Esurance claims, and more.