Esurance Car Insurance Review

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Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 12, 2024

Visit author page
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated March 12, 2024

Visit author page

4 minute read

Article Contents

Esurance Insurance Review

Esurance Canada operates primarily online and extends its services through a national network of brokers. Acquired by Allstate in 2011, the company gained enhanced financial stability and the expertise of experienced underwriters. While Esurance’s pricing may be slightly higher than other car insurance providers, and it may not offer as many discounts or features, it remains dedicated to simplifying the process of purchasing, modifying, and utilizing auto and home insurance. With a broad range of coverage options and discounts available in auto and home insurance categories, Esurance Canada is committed to streamlining the insurance experience for its customers.

When customers purchase a policy online with Esurance, they can expect:

  • Easy access and management of accounts online or via the smartphone app
  • Opportunities for discounted premiums due to the company’s cost-efficient business model
  • A selection of straightforward home and auto coverage options
  • Availability of Esurance Canada’s comprehensive library of insurance information and resources

A Brief Company History

Since its inception in 1999, Esurance has been at the forefront of providing auto and home insurance online to Americans, expanding its services to Canada in 2015, initially in Alberta and later in Ontario. However, by July 2018, Esurance ceased issuing new auto insurance policies in Canada, transferring renewal rights to Ivantage, part of the Allstate family. Consequently, Esurance no longer offers car insurance quotes, and reviews from policyholders have also ceased.

Esurance distinguished itself as an innovator in the insurance industry, allowing policyholders to manage their policies entirely online, eliminating the need for traditional, time-consuming methods. This approach positioned Esurance as a pioneer in direct insurance, where policy management and claims filing could be conducted through its member-exclusive online platform. In January 2018, the company even offered a 10% discount to new Ontario policyholders as an incentive.

The company’s mission was to demystify the insurance process, making it more accessible and understandable for consumers, with a focus on transparency in rate calculation and the claims process. Esurance also provided coverage for a variety of vehicles, including RVs, motorcycles, ATVs, and snowmobiles.

In 2019, Allstate announced plans to phase out the Esurance brand. As of July 2023, while the Esurance website is still operational, it no longer sells new policies, redirecting potential customers to Allstate or its affiliates. Allstate confirmed that although it stopped issuing new policies through Esurance in March 2023, policies issued before this date continue to be serviced, ensuring existing Esurance policies remain valid for the time being.

Why Choose Esurance Car Insurance

Esurance Canada emerged when the concept of exclusively online insurance companies was relatively unfamiliar. Following years of expansion and achievement within the sector, Esurance Canada now provides benefits such as:

Significant Discounts

Esurance Canada is recognized for offering substantial home and auto insurance premium savings, including discounts for customers who switch their auto insurance to Esurance from another provider.

The Human Touch

Despite being an online-based company, Esurance Canada provides advanced online tools for easy account management and operates a support call center for live assistance in emergencies and for answering customer queries.

Wealth of Information

The Esurance Canada website hosts a comprehensive collection of information on various insurance topics and tips for reducing premium costs, integrating this valuable advice within product descriptions to help customers minimize insurance expenses.

Esurance also used to have a couple of extremely useful tools that were discontinued:

  • Coverage Counsellor: A unique online tool by Esurance that guided drivers in determining their precise coverage needs through a detailed questionnaire about their auto and home insurance requirements.
  • What If Calculator: This tool allowed customers to pose hypothetical questions, such as the impact of an accident on premiums or the cost implications of changing postal codes within a province, and provided insightful answers.

Pros and Cons of Buying Esurance Car Insurance

Thanks to its streamlined business model and use of an online platform, Esurance maintains low operating costs compared to traditional insurance providers. These reduced costs enable the company to offer a significant discount on insurance policies. Here is a breakdown of other advantages of Esurance, as well as its drawbacks:

  1. Substantial Discounts: Offers significant home and auto insurance savings, including switcher discounts.
  2. Human Touch: Provides advanced online tools and a support call center for emergency assistance and customer inquiries.
  3. Information Wealth: Its website features a comprehensive collection of insurance topics and money-saving tips.
  4. Streamlined Account Management: Easy access and management of accounts online and via a smartphone app.
  5. Cost-Efficient Premiums: Opportunities for discounted premiums due to its low-cost business model.
  6. Clear Coverage Options: Offers easily understandable home and auto coverage options.
  7. Extensive Resource Library: Access a vast library of insurance information and resources.
  1. Pricing: Generally more expensive than competitors, with fewer discounts and features.
  2. Policy Availability: No longer offers new policies in Canada.

Esurance Auto Insurance Discounts

If you qualify, you might get the following discounts from Esurance:

Multi-vehicle discounts

If you insure more than one car with Esurance, the company offers you a discount on each policy.

Switch & Save

If you decide to switch from another insurance provider, Esurance provides you a discount on its standard policy pricing.

Partnership discounts

New drivers who decide to complete driver and safety training provided by one of Esurance’s partners are eligible for a discount on their car insurance.

Conviction-free discount

If you have zero convictions over the past three years, you may qualify for a 20% discount off your rate.

Online Shopper Savings

By using Esurance’s online platform and applying for an insurance quote online, you are eligible for a discount.

Paperless discounts

New Ontario customers who apply for insurance directly online are eligible for a 10% discount.

Additional Insurance Services Provided by Esurance

Beyond car insurance, Esurance also has home insurance services:

Esurance Canada’s basic home insurance package covers the dwelling, associated structures, personal possessions, liability for injuries you or a family member might cause to others, and guaranteed replacement costs for your home. Additional optional coverage includes protection against sewer backup, roof damage, identity theft, liability for oil tank incidents, coverage for solar energy equipment, liability for business equipment, sports equipment coverage, digital data recovery, protection for jewelry and fine furs, and floater coverage to address any gaps in the policy.

 Esurance Canada also offers several home insurance discounts to its customers:

  • Planning for the insurance activation date
  • Preferred buyer discount from policy start
  • Bundling with Esurance auto insurance
  • Loyalty and paperless billing discounts
  • Homeownership discount
  • Annual home inspection via the Esurance app
  • Hail-resistant roof discount
  • Home security device installation discount
  • Claim-free year discount
  • Non-smoker household discount

How To Submit A Claim With Esurance Insurance

Customers were given access to Esurance’s exclusive members-only website, enabling them to file and oversee claims digitally. Once a claim was submitted, a dedicated claims representative would contact the claimant for additional details. This representative would also organize a vehicle inspection and assist with various steps of the claims procedure, such as securing a rental car.

Contact by email

You can contact them at anytime 24/7

Contact by phone

Feel free to contact the team by phone

Website

File a claim by visiting the Esurance website

Commonly Asked Questions About Onlia Insurance

What services did Esurance provide besides car insurance?

Esurance offered home insurance, allowing customers to bundle it with their auto policy for extra savings. Renters insurance was also available.

Is it possible to obtain a car insurance quote from Esurance in Canada?

No, Esurance no longer provides car insurance quotes in Canada.

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