Esurance: A Modern Insurance Company

Esurance is truly a modern insurance company. It has an award-winning company website where customers can get premium quotes, compare those quotes to those offered by other insurers, purchase policies and print their insurance cards. It is able to verify customer information in real-time, shortening the policy approval process. Minor claims may be reported online, and both claims handling and customer service are available 24/7. However technologically advanced the company is, it still retains a hands-on approach: the company motto is “"Technology when you want it. People when you don't."

The company does business in 30 states in the U.S. Its products include personal and commercial automobile policies including collector’s cars, home owner’s policies including those for manufactured houses, renters, motorcycle, pet, health and life insurance. It also sells specialty policies for such items as boats, snowmobiles, ATV’s, RV’s and travel trailers. It partners with international insurers to cover policy holders driving from the U.S. into Canada and Mexico.

This insurer is a community-involved “green” company. Many of its company processes are paperless and its claims vehicle fleet is comprised completely of hybrid vehicles. Its employees have planted over 100,000 trees to date in their “Save a Windshield, Plant a Tree” program; for every windshield that their customer chooses to have repaired rather than replaced, the company sponsors a tree planting. It was also a corporate sponsor of the U.S. open in 2010.

It currently has an “excellent” rating by the A.M. Best Company, the leading U.S. independent assessor of the insurance industry and an insurance company’s ability to pay its customer’s claims. Esurance has also won many other industry awards.

The company was originally founded in 1998 under the name of SiliconSierra Holdings, Inc. The Allstate Corporation entered into an agreement to purchase Esurance in May, 2011. It is intended for the insurance company will continue to run as a separate entity after the purchase, which looks like a good thing given its image and track record.

Esurance has a solid reputation for providing good products, quality customer service and responding to claims in a timely manner. Whether you are an investor, or a driver looking for an automobile insurance policy, this is a company to consider. Before you purchase an insurance policy, do some comparison shopping and make sure that you get a quote from this company also. You might be pleasantly surprised.

If you have ever worked for Esurance, or owned a policy with them, our readers would love to hear from you. What did you think about the company? What did you like or dislike? How was their customer service? Please share your insights or personal story with the rest of our insurance community. Just fill out the web-form below to get started. Thank you.

This article is written for informational purposes and is not intended to take the place of competent local legal counsel. The writer is not affiliated with Esurance in any way. This website does not endorse one insurance company over another.

Read our other insurance company reviews.

Some additional articles you may find to be of interest:

The Insurance Claims Handling Process Explained

Why Bother with Buying Automobile Insurance?

GAP Coverage Explained

An Explanation of Personal Umbrella Policies (PUP)

An Explanation of Uninsured/Underinsured Motorist Coverages

First Party Insurance Coverages vs. Third Party Insurance Coverages

What to do When You Have Been in an Accident

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