Esurance is a wonderful insurance agency for the ones that enjoy managing their own policies because Esurance has. Esurance has all the basics down with having a cutting edge mobile app and great interactive tools that make Esurance very user-friendly. Esurance offers auto insurance in 43 states and homeowners coverage in 31 of those states. Esurance offers typical coverage options that all other insurance companies have, plus optional coverage including:

CarMatch rental coverage. Esurance pays for the full cost of a rental that’s comparable to your car while it’s being repaired after an accident, for up to 45 days or $3,000. This also applies to your vehicle being stolen. This option isn’t available in all states, and you must have comprehensive and collision coverage to qualify for this.

Emergency roadside assistance. If you’re like me and enjoy having an older car that maybe not as reliable to newer cars Esurance pays up to $75 for towing, tire changes, breakdowns, and other services when you’re out of luck and stranded. If you have this coverage. It can be added to auto policies that have comprehensive and collision coverage, and help can be summoned from your Esurance mobile app. If you do use this service it will be used as an insurance claim just fair warning.

Gap coverage. Insurers typically pay out what the car is worth at the time of the accident, but when you’re financing or leasing you may be obligated to pay more, but With gap insurance, Esurance will pay up to 25% of your car’s value to help you cover the difference.

As with all insurance but vary by state, they give you price breaks if you reach certain criteria. Here is a list of Esurance instant discounts that you may receive.

  • Starting an insurance quote online.
  • Bundling auto insurance with other coverage, such as a home or renter’s policy.
  • Paying your premium in full, upfront.
  • Insuring multiple vehicles.
  • Being claim-free, with no DUI or DWI violations, for five years.
  • Owning a home.
  • Getting roadside assistance from another source, such as AAA.
  • Avoiding traffic violations.
  • Having good grades, for drivers who are full-time high school or college students younger than 25.
  • Completing an approved defensive driver course. In most states, this applies only to drivers 50 and older.
  • Having safety features like factory-installed airbags, anti-lock brakes or an anti-theft device.

Drive sense wouldn’t help me because I enjoy spirited driving, but for the law-abiding citizens,Esurance has made an app/device that’s available to use in 35 states that monitor your driving habits and as long as you log 50 trips or more per policy Esurance will adjust your savings.