Esurance is a subsidiary of Allstate and it offers some really interesting features. Although they specialize in car insurance, they also provide other types of insurance like health, homeowners, and pet insurance. As an Allstate company, Esurance offers the experience and financial backing of one of the largest insurers in the US, but packaged in a new design that will probably appeal to you if you prefer to communicate and manage your policy using the internet. Right from the start, you'll be able to get a quote for the insurance you need online 24/7. If you enjoy the convenience of using online and mobile technology to get the most out of your insurance, read on to see the features and benefits they offer. Esurance may just be the insurer you've been looking for.

Features We Like:

Express Lane® lets you get an insurance quote by simply entering your name and address. It scans records from the Department of Motor Vehicles and uses this information to fill in the gaps, such as your current car and cars you have owned in the past. While it isn't always entirely accurate (for example if you live in a condo), it is a fast way to get an idea of the rates they can offer you. If you prefer to fill in your vehicle information, you can choose this right at the start.

RepairView® lets you view repairs being made to your car at any Esurance-approved (E-star) shop right on your mobile device or computer. This smart feature gives you a clear comparison between the current state of repair and the original damage, using actual photographs that are updated regularly.

Coverage counselor® is an online consultation service that helps you find their best car insurance solution for your needs right on your internet-enabled device.

What If® Calculator. As an Esurance policyholder, you can use this tool to quickly calculate how a move, new car purchase, accident or traffic offense might affect the rates you pay.

Types Of Coverage:

Car insurance. Like Allstate, Esurance lets you earn discounts on good driving if you install a DriveSense device that tracks your (good) driving habits. You won't pay more than your current premium if the device shows you drive badly, but you will be able to save a lot if it shows you drive well. You can also track your own, or your teenagers driving style online, and receive email notifications when certain driving events occur (speeding, heavy braking, etc.). Here are some great discounts and saving opportunities when insuring your car with Esurance:

  • If you get more than one policy with them, you can get discounts on all policies.
  • Get up to 10% off if you pay the full cost of the policy in advance.
  • Enjoy 10% to 25% discount if you go 5 years without making a claim. In some states claims of $1,000 or less don't count.
  • If you own a home, you may be entitled to a discount on your car insurance premium.
  • If you take out renter's insurance with them you can get a reduction on your car insurance rates.
  • Up to 5% off if you're a member of an eligible emergency roadside assistance club.
  • Up to 15% off for students and alumni of PAC-12 universities.
  • Up to 10% off certain coverage if you take a defensive driving course.
  • Up to 40% off your premium if you don't get penalty points on your driving record within 3 years.
  • Up to 10% off certain coverage if you're a student with good grades.
  • Up to 25% off comprehensive coverage if you install an anti-theft device.
  • Up to 30% if you install their DriveSense device (up to 5% for first policy term).

Motorcycle insurance. Get coverage for almost any motorbike, including street bikes, cruisers, touring motorcycles, touring bikes, standard motorcycles, scooters, dirt bikes, trikes, classics, and other 2-wheeled rides. Policies are made to accommodate the speed and value of your bike. You can easily get a quote online. As with car insurance, you can save on motorcycle insurance when you:

  • Have more than one policy with Esurance.
  • Purchase coverage for more than one vehicle.
  • Pay your entire policy charge in a lump sum up-front.
  • Install a recovery device (for theft protection).
  • Spend 2 years without accidents or traffic law violations.
  • Get a motorcycle license in addition to your car license.
  • Install anti-lock brakes.
  • Join an eligible motorcycle organization.

Classic car insurance. Esurance offers classic car insurance issued by Hagerty. As a solid classic car insurance provider, Hagerty offers guaranteed value coverage which will pay out a guaranteed amount if your valuable collectible is destroyed or stolen. Aside from the standard liability and comprehensive coverage, one exceptional offer from Hagerty is spare parts coverage which covers those rare and hard to find parts in case of loss.

Boat insurance can cover cabin cruisers, sailboats, runabouts, Jetskis®, WaveRunners™, fishing boats, bass boats, pontoons, houseboats, and mini jet boats. Insurance offers standard liability, medical, property, and roadside assistance coverage for your boat trailer, on water towing, and total loss replacement if your (5 year old or less) boat is totaled.

Coverage for other vehicles includes RV and travel trailer insurance. If you live in your mobile home or trailer, you can also get full timer's coverage which provides many of the benefits of both mobile home and homeowner's insurance.

Homeowner's insurance from Esurance offers some interesting optional benefits that you may want to consider when taking out a policy. Along with the standard coverage that protects your dwelling from things like fire, theft, and vandalism, you can also get building codes coverage. This coverage can give you a benefit equal to 5% - 20% of your total coverage amount if building codes require more extensive repairs to your damaged property than you are able to afford. You can also get extended premises coverage which covers several units on the same property, as well as injuries to tenants.

Renter's insurance reimburses you if your belongings kept in a rented house are damaged or stolen. It also covers liability for other people who are injured on your rented property. Renters insurance from Esurance offers replacement cost coverage and earthquake coverage as optional add-ons. Standard coverage includes the following:

  • Fire, lighting and smoke.
  • Burglary, vandalism and theft.
  • Windstorms and hail.
  • Water damage (flood coverage not included).
  • Freeze damage and snow weight damage.
  • Volcanic eruptions and falling objects (UFO fragments, tree branches, etc).

Pet insurance offered by Esurance is issued by Petplan and covers a wide range of veterinary costs. The standard policy includes coverage for cancer, hereditary and congenital conditions. You will have to front the veterinary charges first, after that, the insurance will reimburse you for the actual bills paid.

Esurance offers a lot of discounts for drivers who are willing to get their driving style and vehicle in shape. Most drivers will benefit from at least some of their discounts right from the start. It offers a lot of online tools to prospective customers, and I would recommend you use these to get a good idea of the rates and coverage they can offer before signing up. As well as car and motorcycle owners, home owners can also benefit from solid home insurance features and benefits.