Esurance
Reviews and Complaints

what you say is right!

On Feb 11th i renewed my insurance, and today i checked they have doubled my premium.

WOW ! No wonder the quote I got was $100.00 less a month with Esurance the Progressive !
Thanks for the info--- Going with Progressive.
You do always get what you pay for !
Ken

I am in the same situation as you right now. My car had an accident and it wasn't my fault so I called esurance and they totaled my car. The KBB value of my is $4, 500 and esurance said they will only give me $2, 700 for my car now I'm in the process of getting an attorney. These people are thieves and I don't know they are still in business. I filed a complaint with BBB and I will do the same with my State attorney.

I too was in a serious rear-end accident on Sept. 23, 2008. I was not at fault (I was sitting in a turn lane at a complete stop) and I do not have Esurance but the guy who hit does have Esurance. He hit me first and then went on to hit 3 other people. All totaled he caused damage to 6 cars including his own. The excuse for the accident was that his prosthetic foot fell off and lodged in the pedals. He is wholly at fault for the accident and my car was hit from behind and then shoved into an SUV in front of me so the rear end and the front end of my car are crunched. It took 3 days for Esurance to contact me and then another week for them to give me a rental car to use. I finally got the valuation of my totaled car and their estimate of its value is a joke. I had a 2006 VW Jetta with only 30, 000 (approximately) mile on it. It was in excellent condition and they say it was only in moderate condition. How you can tell that from the wrekage, I have no idea. Anyway, they now have me dealing with 2 people at their company. One for the car damage and one for the personal property and bodily injury (I was transport by ambulance to the hospital). Their valuation of my car is about $3000 too low for me to get a replacement car. I have no idea what they will do for the personal property and bodily injury I sustained. I have researched the value of my vehicle with KBB, Edmunds, NADA and a local VW dealership so I know the value of the vehicle but they use some company called CCC (which the general public can not access) to come up with their estimate. Through my research I came up with a value of $17, 500 for an average with the lowest being $16, 300 and the highest being $19, 000. Yet, they insist on only offering me a maximum of $15K and change. They will add in for the tax and some other $39 charge but then they deduct $904 for dealer prep. I should not have to pay anything to get a replacement (comparable) car nor should my insurance company (which is what they want me to do and have said as much). They sent me about 5 pages of car comparisons, even from the dealer in my are, but after all the deductions they take on those cars there is now way I can get a replacement for the money they offered to me. It is now 3 weeks on since the accident and all the bruises and cuts have healed except for a spot on my forearm that is still bruising and some discomfort in my neck but the real pain in my neck is dealing with these people. I thought I could handle this by myself as I was not trying to take the company for any maximums just fair compensation but I see I was wrong so now I am looking for an attorney. Hopefully, I can find an attorney that will not charge me his fee but charge Esurance so I can get the appropriate compansation for my car and injuries.

I obtained an auto insurance quote from esurance.com and subsequently purchased the policy.
I paid in full.
As soon as esurance had taken my payment in full, they requested all kinds of proof for their supposed "discounts." They requested proof of previous policy or my rate would go up by $ 300 which was a 40% increase of my current premium.
I provided proof of my previous coverage so my policy premium remained the same.
The following day (day 1 of my policy being in effect), they reviewed my policy declarations and although I had provided proof of insurance during the last 6 months, they stated that my Bodily Injury Limit was 30k person/60k incident and for this reason, my rating was being downgraded and my policy with esurance was going from 50k/100k bodily injury to 30k/60k and my policy premium was still going up another $ 205 (which was about 33% higher than the current premium I had).
Geico provided a cheaper quote without any of the arbitrary rules that esurance had.
To me it seemed as though they were going to find any excuse to spike my premium after the supposed "discounts" they provided.
How can they lower your limits and spike your premium?
How is my bodily injury limit relevant to my new insurance policy and then a reason to spike my policy premium?
To me it seems, they make you jump through hoops and more to provide any supposed discount. They have arbitrary, subjective and beneficial policies to them to spike your premium once you are on the hook.
Upon cancellation of a policy I used 1 day, they take the liberty of charging me a 10% cancellation fee of the total policy premium-not the $ 754 they originally quoted me and priced me, but rather the $ 960, they had spiked the premium to, after I was already on the hook with them.
My 1 day policy and stress with esurance cost me $ 100.
To put the cherry on top, they e-mailed me documentation to return a driver sense device for another insured in another state. Just another sign of the disorganization of this company and their true colors.
I could have used that money in much better ways.
I have policy now through Geico.
Whatever you do, avoid Esurance.

I just paid the down payment for my new policy 6 days ago. I get a email saying that I owe them a remaining balance of $26.00 dollars from the last policy, which is a policy that was paid in full. They tell me that they will cancel my new policy if I don't pay them the $26.00 balance. I ask them what am I being charged for, and they say "a bounced check. You'll have to call your bank" I say "I've never used a check in my life, Ma'am -what am I being charged for? and why should I call my bank and ask them for a reason why esurance is charging me for a check I never used. That doesn't make any sense Ma'am"
"hold on let me see..." she types on her computer "your being charged for a policy change" she says; changing her excuse.
"I'm sorry but... what policy change? I haven't changed my policy. Could you please explain it to me, what I'm being charged for" I ask.
"hold on, let me get my supervisor" she says.
the supervisor gets on the phone and says "you're being charged for 8 days out of your last policy. By law, we can do that" (a policy that was paid in full)
"why?" I ask.
"because you changed your policy"
"If didn't return to this company, you wouldn't be able to charge me for a service that was paid in full, no... you waited until I started a new policy with you to screw me by law you say. You still haven't told me why I'm being charged, and you keep changing your excuses as to why you're charging me $26.00, I'm confused and angry because you're threatening to cancel my insurance for something you can't properly explain. you have given me 3 different stories and say by law you can do that."
To my readers. I have no choice but to have insurance in my state, because of the law, and because of the law I have to put up with companies like esurance that think they can use the law to take advantage of you. If you're like me, make your complaint heard. Don't get walked on by these companies and their "by law" requests in Washington.

### esurance. my girlfriend had her honda del sol stolen. she was notified by an impound yard 10 months later that it was up for auction. esurance knew it was there when they were notified by the impound yard, because the insurace papers were in the glove box, but they never told my girlfriend it was there. when we went to look at the car the tire was blown out, it was wrecked and the engine was knocking and it was pouring out black smoke out of the tailpipe. she had full coverage on the automobile. she was denied a rental car by esurance. and they offered her $600 and the car back or if esurance kept the car she would get $2800. there was way more than $600 in damage, especially in the engine not even counting the body work. my girlfriend agreed on the $2800. so my girlfriend had to sign the title over to them and they wanted a power of attorney over my girlfriend, for what? she gave them the title and they cut her out a check for $250. saying that's all they said they would pay. 4 different people were there and witnessed the ### say $2800. esurance denied that conversation ever took place. $250 for a $5000 car with full coverage. i hope they all rot in hell

No matter who you have, esurance, geico, progressive, all state, or any other...

Every company has different underwriting standards, not to mention that there are some things on your driving history that if they start on your policy, CAN NOT be rerated by the new carrier regardless if you have been with them for six weeks or 16 years!

ALWAYS ALWAYS ALWAYS shop...

For example, depending on your state, if you start a policy with company X Y or Z, but you have had a lapse of coverage for ANY length of time, you will have a lapse rating on that policy FOREVER! So, once you have your new policy for a minimum of 6-12 months, SHOP SHOP SHOP!

So, when you got the quotes from company X Y and Z to start a new policy today, they would ALL be rating you with a lapse rating. X quoted you 150/mo. Y quoted you 165/mo. Z quoted you 140/mo. So, today you start with Z, at $140./m0.

Six months from now, company Z offers you a renewal of $140.00/mo again! HOWEVER, now that you have had continuous coverage for 6 months, companies X and Y, may be able to offer you $120 and $130, instead of the $150 and 165 from today, BUT, company Z still has to use the lapse, because they can't use a policy of THEIRS to rerate back to "continuous" coverage.

So, six months from now, you change to company X because they were able to get you at $120.00/mo... THEN, next year... come back into the market! SHOP SHOP SHOP! Company Z, can now rate you with ONE YEAR of CONTINUOUS coverage, because you had a minimum of 6 months with company X, so now get quotes from company N, Y and Z, because your rating factors have changed again, and MAYBE other companys can beat the rate at company X, because some of the rating factors may not be able to be adjusted by company X!

I am a licensed agent with a particular company. I understand that this type of thing can be very frustrating to try and keep up with! I see these same complaints in different forums with Esurance, AllState, State Farm, Geico, and many many other companies, and even my own company! They are frustrating, I will not and do not deny this. However, do a little research, do your homwork, and in the long run, you may save yourself LOTS AND LOTS of money and frustration, and/or get yourself a LOT more coverage for the same amount of money you are paying now!

agreed, esurance didn't lower my rates for a speeding ticket and geico did.

You can be surcharged on your policy for only 3 years, but the accident/ticket will show up on your insurance record for 5 years and will prevent you from receiving all of the best discounts for the 5 years.

I have clean New York license (zero points) and no accident (thanks to God) and I was charged more this month.
If they don't charge me less this time I'm going to go somewhere else.

Hakim Talbi

As far as "stealing" your money... NO... it was invoiced, it was due... Once you cancelled/nonrenewed, then you'd be entitled to a refund just like paying for an item at a department store, and deciding to return it. You'd get your money back according to the stores terms and conditions in the return policy.

Write a check today for $100 product at a department store and return it tomorrow! You will likely get a check in the mail 2-3 weeks, after your check clears. Or, if you paid cash, you'd most likely get a cash refund at return. Or if you paid with a Visa, you'd get a credit to your Visa card.

Why is this so hard to understand?

As far as someone "not calling back"... You were expecting a callback... You remember to call EVERYONE back, and do EVERYTHING you have ever been supposed to do? Just forget? Be out of the office unexceptedly sick, or something?

SIMPLE! Call them back! Take responsibility for your own situation. STOP blaming everyone else! Grow up and be an adult! Ask questions, don't assume, read your documents BEFORE you agree to them! If you click "agree" with Esurance, your cellphone provider, or even my own company, and then don't want to be held accountable for that, you have the issues not the merchants!

regardles of how you pay, Debit Card, Credit Card or Electronic Check... NO business has control on how fast banks post credit. If my company issues you a credit, it can take 2-30 days for YOUR BANK to post the credit to your account.

It is OUT of my company's bank account, today, but some BANKS don't post credit until the new monthly statement prints.

So, whether Esurance, or Sprint, or Comcast, or any other merchant can not promise a specific time frame. I know that it averages 2-5 days for credits to post to customer accounts, but it can be UPTO 30 days...

Also, if your last payment was processed as an Electronic Check, we won't issue credit unless it has been at least 7-10 days since the "check" was processed. DC's and CC's get IMMEDIATE approval by the bank, where "echecks" are just like walking into the grocery store and pay with a check, you get to leave, but the store doesn't get the money for 1-5 days, AND the check could be returned. There is no immediate debit from your bank account's available balance with an Echeck, like with a DC or CC.

Even with the immediate debit from your "available balance", it is NOT immediately given to the merchant. It is only PENDING... Even after it "settles" or "posts", the merchant may not have the money for another day or two, even though it is "out" of YOUR bank account.

Don't blame the merchants for BANK issues. Don't blame the banks for customer issues that had to create safe guards to minimize fraud. Blame the criminals and thiefs, which not us, the merchants or the banks who can't readily identify those who force ALL the rest of us into stupid rules and regulations that protect US all from THEM!

I have had nothing but PROBLEMS with Esurance. We had coverage with them for a 6 month policy. Towards the end I looked around and compared prices, I could save over $40 a month with State Famr and have a real local agent. I called them to cancel my policy at the end of the 6 month term. My fiance told them we found a cheaper rate. The man on the phone told my fiance that he would try to match our new qoute, to give him a chance to do that, he would call us back on "Monday" with a new quote. Never heard from them on Monday. Gave the benefit of the doubt, waited 2 more days, end of term came, never heard anything, tried calling - you always get the run around when calling this company. No results. My account was charged for the new policy.
This company tried to STEAL my money. I immediately got on the phone and told the customer service person that she needed to refund my money at once. I do not take kindly to having my money STOLEN. After threaterning a law suit with the state's attorney, I was told it would take TWO WEEKS to get a refund. What a crock. They stole my money in seconds.
The cherry on top is they did not report to the MVA so we had to get proof of insurance to get out of $2, 000 in fines from the MVA. We spent 4 hours in the MVA and on the phone just to get Esurance to fax a FR19 form to the MVA. We tried to speak to a supervisor and continued to get the run around. RIDICULOUS.

Their customer service center is in South Dakota (because it's in a central time zone) which helps them remain open for 24 hours a day. That's why you send mail there, because it's for customer service. The main office is in San Francisco, but they don't handle customer issues. Most large companies have a PO box, too, instead of a physical one... just imagine how much mail there would be coming directly to the headquarters if that's where you want it to go. Ridiculous.

As far as the cancellation fee, it's stated right at the beginning.

I cant believe this when I read this.. your complaining about how they charge for insurance. .anyways, I was just upset that you send the cancel fee was hidden.. no its not, its right on line when you first start. When you FIRST log into your online account, you have to read and accept your terms and acceptance.. did you not read yours before you accepted them? because in that document it clearly states IF YOU CANCEL MIDTERM THERE WILL BE A CANCEL FEE of either $50 or 10% of the left over premium (depending on your state) ridiculous...

my husband has been paying $144 a month for coverage for the 2 of us. He had a hit and run and I got Bruce's estimate, of $1300. After numerous calls and undeliverable e-mails. I heard nothing. So called the Esurance number and told the person there about this, he told me to call her supervisor, Ashley Leah, but when I emailed her I found out that she was a PORN star, what kind of business is this, ugh! This is definetely a SCAM,you will NOT BE INSURED

On January 1st of this year, while traveling on Pacific Ave between Forest Grove and Cornelius, a driver entered the highway from a driveway on the north side of the road, entered the center divider while speeding up, and pulled into my vehicle. It happened fast enough that I did not have time to react to avoid the collision. We both pulled to the right shoulder of the road immediately to exchange personal and insurance information. He told me that he didn’t see my vehicle as he sped up to merge. I asked how he couldn’t see a 2007 Chevy Tahoe that has automatic daytime running lights, to which he simply stated again that he did not see my vehicle. Based on the other driver’s insistence that he would insure his insurance company would cover all repairs and his pleading that I not let the police sort the accident out, I felt it best to immediately contact the police and report the accident.
When the police arrived, he and I both provided a statement (police report is attached). The investigation seemed to take longer than I thought it would. It turns out the reason for the length of the investigation is that his Washington driver’s license came back as being suspended, so he was going to be cited for the accident. Though there was evident body damage, my vehicle seemed to be in good working order, so after the police left, I continued driving the vehicle. I was a little rattled by the suddenness of the accident, so I decided to go find a parking lot and park for a bit to settle down. I also decided that I would forgo the errands I had intended and try to make a little money driving for UBER.
Immediately upon returning home that evening I completed an accident report for Oregon DMV, and filed a claim online with my insurance company (Esurance). I received an email on January 2nd from Esurance informing me of the claim number and adjuster assigned to the claim. On January 4th, I received a letter concerning what would be my responsibilities during the claim process. On January 5th, I emailed Ms. Sobieck a copy of the accident report completed by the police at the scene of the accident. On January 7th, I went to the Forest Grove Police Department to get a copy of the police report submitted for the accident (attached).
On or about January 6th, I was informed by Ms. Sobieck that Viking Insurance, the insurer of the other driver, had reached a decision that they would assume 85% of the liability, leaving me to cover the remaining 15% of the costs of repair. She recommended that I take the offer, and they would attempt to recover the remaining costs during arbitration. I called the adjuster for Viking Insurance, Ms. Corinne Hashenberger, to find out why they were trying to force me to accept any responsibility for the accident. She told me that they determined, based on their insured’s statement that he was doing 10 mph while merging, that I “made an insufficient effort to avoid the accident.” I told her that I had clearly told them he had accelerated quickly and there was no opportunity to avoid the accident. She maintained her assertion that I’d not made sufficient effort to avoid the accident. She expressed no concern that the speed limit was 40 mph and that attempting to merge at 10 mph would violate the Oregon Vehicle Code that requires drivers to act and a “responsible and prudent manner” as well as section 811.285 that requires vehicles to safely merge at the posted speed.
I continued to drive the vehicle as I had been doing previously. While returning from Portland on the 7th, I noticed a grinding noise coming from the front left wheel, which took the brunt of the impact. I decided that the vehicle was probably not safe to drive anymore, so I decided to take it into the shop for repairs and did so on January 8th.
On January 9th, I sent an email to Ms. Sobieck asking what recourse I had for the loss of potential income while my vehicle was in the shop for repairs. I followed up with a phone call on the 10th to talk directly with her. She again asked if I had any passengers (a question posed during my initial statement) to which I again responded that I did not. She then informed me that there may be an issue with their policy while driving as a public conveyance. I again informed her that I had NOT been doing so. I had been on a personal errand which I had decided to cancel after the accident. She let me know that she would let me know what the result of the investigation over the public conveyance was.
I received a certified letter from Esurance dated January 20th informing me that they would not cover any repairs on the vehicle until the investigation was complete. I have since provided them with the fact that it was four hours between the accident and the first public conveyance I provided.
At issue is the following statement found in my policy (appropriate section attached) section 1.F of EXCLUSIONS FOR PART I: LIABILITY COVERAGE: “For that “insured’s” liability arising out of the ownership or operation of any vehicle while it is used as a public or livery conveyance, or used to carry property for compensation or a fee. This Exclusion 1.F. applies to, but is not limited to, the delivery of magazines, newspapers, food, or any other products. However, this Exclusion 1.F. does not apply to shared-expense car pools.” This statement clearly states WHILE it is used as a public conveyance and provides, as examples, the delivery of periodicals, food and products. I interpret this to mean that I would have had to ACCEPTED a ride request and be in transit to the pickup point or have picked up a passenger for pay. Neither of these conditions were in play at the time of the accident meaning that I am needlessly being denied the use of my vehicle.
On January 25th, I stopped by Bruce Chevrolet (the repair facility currently working on the vehicle) to find out what the status of the vehicle was. I was told that in addition to the body damage that has already been repaired, they found that the left front hub (the controlling part of the suspension for the four-wheel drive) was shattered and needing to be replaced. At that time, I reminded him that there were two other issues that presented themselves immediately after the accident; the “Service Suspension System” warning indicator started coming on intermittently, and there was a new “thunking” noise coming from the rear end upon acceleration. He then informed me that after several attempts to arrange for payment for the repairs, Ms. Sobieck had told him to “cease all work on the vehicle and that the only way it would be paid for is if the other insurance company paid for it or if Eric Polson paid for it.”
It would seem to me that an adjustor has the power to make a decision based on facts and/or testimony and/or logic. In this case none have been applied. I testified as to exactly what happened from my point of view. Viking made a decision that considered neither my testimony nor facts presented in the police report and instead took the claim of the at-fault driver that neither coincide with the police report nor Oregon law regarding responsible and prudent driving practices. Esurance made a decision based on a misinterpreted policy statement and chose to ignore testimony to which an oath of truthfulness was given. Based on these comedies of errors I am left without a vehicle since my policy does not cover a rental vehicle, and Viking made no attempt or offer of assistance.

I've seen many esurance commercials and they all are portrayed by blue eyed white actors. you apparently don't want business from blacks or other ethnic groups.

I called today to cancel with Esurance today, because another company's rate was half of theirs and they told me that they were canceling my policy, but that they would charge me extra $50, just because they could. Never did I agree to this. This is one of the sleaziest insurance companies in existence.

Esurants ads are popping up on my computer every time I turn it on. Even with spyware, adware, and anti-virus the ads keep popping up and interfering with my work.

I sent an e-mail to the company to complain, but received no answer.

After seven months of paying on renters and auto insurance, I received an email from Esurance that they cannot and will not be honoring my renters insurance because my home is "manufactured" but is on a permanent foundation. Did they not listen or read when the application and original purchase of this insurance was made? I have given them 15 days to return ALL the funds they collected on this renters insurance and will be filing a complaint against them with the Ohio insurance commission. I then plan to take them to small claims court for taking money on services NOT RENDERED. I have had it with companies who do not do as they promise or state. Enough already. They have ten days left. After that, they go to court.

Esurance is a joke. Theres a reason they are FORCED to do business only online. If they had actual representatives and stores they would be shut down and/or forced out of ang decent community. Your 1st sign shouldve been the stupid commericals that have nothing to do with car insurance. When you have a silly little cartoon, or some ### voice over talking about time machines, instead of how they actually save money or offer better services...you almost have to blame yourself for falling for it...or not doing even the smallest bit of research on a company that could quite literally hold your life in their hands. Thats like buying food off of some guy on the highway, you dont know him, have no info of the food quality, and yet to save 3 bucks you risk food poisoning or worse? Heres a little hint cheap skates...its not always the best idea to save a couple dollars. I wouldnt get esurance if it was a HUGE savings. They'll tell you idiots who dont know better youre saving money...while all us smart people who either have common sense or college degrees go to farm bureau, farmers, or even geico. Next time...spend the 15 minutes you will eventually spend complaining on complaint boards...to spend the minimal amount of time researching a company BEFORE you spend a large portion of money on them...with your health and safety at risk. Im sorry to those of you who are probably good people who just got screwed by a greedy corporation...but sadly youre the type of person that keeps these scam artists in business. You hear the word "save money" and you go nuts. You wanna run to people you know and tell them what a swell deal you got...and how u saved 3 bucks a year! Only go find out when something bad happens you have "cut rate insurance"...which is so ironic because esurance actually uses this very term in some of their ads! Yet as you will attest...its true. I wouldnt blame u folks as much if it were 1930...but with access to thr internet, how could u possibly invest so much money, health/safety of both you and your family...on a company you know nothing about and didnt spend even 15 min. Researching? So...honestly...is that esurance fault...or your OWN for being cheap skates with your family's health and safety...to save a dollar or two a month? Sure I could go eat McDonald's every nite, and serve that to my kids, watch everyone in my family get fat and watch our health degrade to save myself the trouble of going shopping and cooking non-processed foods...but again in the long run...u will pay. Heres the moral of the story folks. A) do 15 min of research BEFORE betting your family's life, safety, and health on a company B) quit falling for the "we can save u money" ads that clearly are cheaper ONLY because they have ripped people off, and/or offer vastly inferior service(s) C) spend the time u eventually spend complaining, looking up information on the company u blame for your own laziness. There's a reason other countries call America the laziest nation in history.

I've been a customer of esurance for like 3 years, so I never expected to be treated this way. Whatever happened to the old adage "the customer is always right?"

Anyways, I've been thinking about switching auto insurers for a while now do to rate hikes.

My premiums kept going up, so I called a esurance agent up to complain. after telling him that I got cheaper rates (nearly twice as cheap) from autoinsuranceape.com and said I was thinking about leaving esurance, the agent THREATENED TO SUE ME if I cancelled my GEICO policy. wtf?

I noticed this too. Even the animated mascots were homogenous.

I thin esurance is the worst auto insurance company that I have ever dealt with and would not recommend them to my worse enemy.

That sounds like a state problem to me. Why don't you change it instead of ###?

Rear view mirror fell off my windshield. Esurance could not tell me if my policy covers the problem of re-calibration of mirror when re-attached. 11/2/2023

had an accident on 6/20. only have scuff marks on my car. So far the adjuster has not contacted me. The adjuster is in NC. why don't they have adjusters in fla. They also hung up on me. not happy with them will go to another ins company. I'm very annoyed with them.

Original adjuster review missed damage to vehicle. Esurance assigned adjuster, her supervisor and the regional manager have been contacted for 3 weeks by phone and email and haven't responded in any way to address the problem. Total silence.

On October 10, 2022 a person drove off the road at a high rate of speed and damaged my property. Including a 6 ft wood fence, electric pulled off the back of my house, crashed through my privacy wood fence gate then landed on my 2012 malibu and pushed my 2010 silverado against my house.

My daughter was involved in an accident 11/25/22 and we filed a claim right away. Claims turned it over to the total loss unit on 12/8/22 and we have heard nothing. All my phone calls and emails go unanswered. I have left at least 5 voicemails with one rep, and the other rep's calls go straight to voicemail with no option to leave a message.

Claim posted early 10/17/2022. They have been impossible to get a hold of or to communicate anything to about a claim. Took them over a week to get back to me for the initial claim to be able to even get the car to the shop for an estimate. Now no one can be reached or calls back after multiple messages left.

It's not really fine print when it's in capital letters in bold on your terms and conditions. At least it is on mine. It's pretty obvious. I suppose they could have made it red, too, but I bet it wouldn't have convinced you to read it.

Granted, the terms and conditions are long, what with all the legal wording, but it's all there, and it's very obvious.