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    PROS / The mobile app lets you make claims using your own photos and video.

    CONS / This service is not available in some states.

    VERDICT / Esurance provides good auto insurance in most states in the U.S. It has plenty of features for managing your account and filing claims online or via smartphone, making it a good choice for people who prefer to do business electronically.

    Esurance is an online automobile insurance agency with rates that compete well against those of its peers and good customer satisfaction. It offers the usual discounts and coverages. Its strength lies in its online and mobile tools.


    This insurance is not available in Alaska, Hawaii, Montana, Wyoming, Vermont, New Hampshire, Delaware or Washington DC. However, in those states, Esurance has partnered with other car insurance agencies to help you get the best deal on coverage. Esurance is backed by Allstate, and it insures homes and health as well as cars.

    We priced out premiums without discounts for a test case across multiple zip codes, then compared them to the premiums of other insurance agencies in that area. Overall, Esurance's premiums were within the average of its competitors. Of course, prices vary individually, because they are based on your situation and driving record. We recommend finding three insurance agencies you are interested in and pricing them out for your own case.

    This auto insurance agency also offers nine discount programs, for situations like bundling, paying-in-full, switching from another insurance carrier and having a good driving record. Esurance also offers the DriveSense program. To participate, you install a device in your car to track your driving habits, such as speeding or hard braking. You can get a 5 percent to 10 percent discount for joining the program and further discounts depending on how safely you drive. The DriveSense program is available in 24 states.

    As an online agency, Esurance does not have local agents. You can handle your policy and claims online or via phone. This auto insurance agency provides customer support and claims assistance 24/7. You can also talk to an agent via live chat. Overall, its customer satisfaction rate is on a par with the best auto insurance agencies.

    One of the strengths of this insurance agency is its mobile app. Esurance uses modern technology to manage your account and process claims. With the mobile app, you can snap photos of the accident and damage and submit it as a photo claim. In this way, you do not need to have an appraiser evaluate your vehicle on the scene.

    The app also lets you video chat with an appraiser if you prefer, and you can use your phone or tablet to show the appraiser the damage to your car, though this requires an appointment. Video chat is not available in all states. In addition, you can monitor repairs through the app or online. If you use an Esurance-certified repair facility, the repairs are guaranteed for as long as you own the vehicle.


    Esurance's greatest strengths are its online and mobile support. It offers good customer service and competitive rates, along with the usual discount options, including the DriveSense driving monitoring program.