Esurance

I contacted Esurance for full coverage on two vehicles. I advised them that I wanted the same coverage I had with Allstate. My policy is not the same. I am without rental car insurance for either vehicle. Why would you ask for full coverage? Yes, it is separate, however, how many individuals want to pay their deductible if in an accident and for a rental vehicle? Your company is a scam artist, I feel! Watch out for these sales people. If you do not ask in detail on every type of coverage, they will screw you. They are out there for themselves. The rating for their coverage should not even have one star.

I was purchasing a new vehicle and insured my vehicle with Esurance. After a week with Esurance, they required me to have a vehicle inspection in order to keep my comp and collision coverage. I work out of town and asked if I could have my vehicle shipped to the state I'm currently working in to have it inspected. They declined, so I cancelled the policy. When I opened the policy, they required me to pay two months in advance along with monthly withdrawal. I kept the policy for only 3 weeks and they kept $130 - plus of my money for early withdrawal.

I can't believe that Allstate attach their names to these crooks. I'm an auto insurance adjuster for the largest auto insurer and they would never do such bogus thing. I live in the state of FL and the rates are so high I couldn't get coverage with my own company. I have now changed to Progressive who is not requiring me. I know that most people who take this type of insurance is not educated about how insurance works. I would like to start a class action suit on Esurance because they are cheating lots of consumers out of their money in unnecessary fees.

Each of five times I called Esurance to challenge a policy determination and request assistance, I was told the underwriting department was "in a meeting" or "unavailable at that time." Yes, the entire underwriting department is totally unavailable in the same meeting repeatedly. On the two days before my cancellation, I attempted to contact underwriting several times without success; but every time, I had to go through a customer service representative who had no power to do anything but also would not put my call through to anyone either. Supervisors were always unavailable.

I wouldn't recommend them to anyone. At no time during business hours should an insurance company shut down their entire underwriting department to customers. Like I said, it happened every time I called over a four-week period.

Coverage dispute - On 12/19/12, I acquired a quote over the telephone from an Esurance agent. I specifically requested a policy to include uninsured under-insured, liability, comp and collision, rental reimbursement, and roadside assistance. On the 23rd of February, my car was hit by someone (who was driving on a suspended license and no insurance), who blew through a stop sign. My car was deemed totaled and now Esurance wants to tell me that I only have liability when I know I specifically asked for full tort with the above mentioned specs. They now refused to rent me a car or pay for my loss. I am a parent of two children and need my vehicle to transport them to and from to school. I would like for them to honor the policy that I asked for as quick as possible.

Do not order a policy with esurance. First, I ordered an esurance policy online. I was a customer for less than two years ago, then I sold my car. Why on earth would I need insurance when I don't have a car right? Esurance charges me $100 for not having insurance on a car I don't own. This has to be illegal? I'm taking this as far as I can. Second, I go to cancel my policy, less than 12 hours later, and they want to charge me $50, I was told I could cancel in 6 months for no fee. Really? I just shelled out over $600. Third, my "quote" was $70. I signed up, paid, then receive a raise in my premium notification, letting me know my monthly had increased to $120 which attributed to a DMV issue that they can't even tell me.

Let me get this straight, I need to go to the DMV for countless hours I don't have, to perhaps get a reduction? You are already charging me for it. You go do it. Unbelievable, I am going to do everything in my power, with this voice, to squash esurance. I hope you will join me in the fight. Facebook it, yelp it, blog it. Let's reduce some revenue.

We have been with Esurance for 7 years. They have been great every step of the way! We have had one claim on a hit and run and they paid it without question. My insurance goes down every year and I have a good time using their website! It's easy!

My son is still receiving mail. He was murdered in 2009. Please remove his name from your mailing list. Thank you. Mitchell's mom.

Esurance offered my husband a job about five weeks before the training class was to start. Three days before the class started, they emailed him to say they hired someone else for the position. I think they should have given at least a two week notice and an explanation why they changed their mind. He has three kids. If he had quit his job thinking he was starting this new job, he would have been unemployed. Very unprofessional.

I was shopping for insurance. I spent a lot of time on the phone with a rep, and she said she would email me the quote, rather than just tell me the price right then. When I opened my email, rather than finding a one page, easy to read email, I was accosted with a barrage of additional links, and complex hurdles that required additional input, and even more effort than I am now putting into this complaint. I still do not know the many dollars that I could have saved, neither do I care any longer! Progressive, I am sorry I ever doubted you. Even this complaint form is difficult and lengthy. Do you want a free gift of customer feedback or not? Don't you people know that only a very small portion of disgruntled customers will ever speak up? I will tell everyone I know not to bother with Esurance.

For the past two years, Esurance has raised my rate greatly; now it is a part of All State. When I asked about it, they provide no information or rationale. The rate is at 30% higher than customary and reasonable premium charges. I went with GEICO who saved my $30 per month or $180 per premium period. They also respected my partner on the policy without gouging us.

I have lived in Pennsylvania and I sublet a basement apartment with my aunt for over 9 years now. I have had insurance on all of my vehicles for over 8 years at the same address. Esurance has been my automobile company on and off for several years now. In the past, I was asked to provide proof of residency. I gave documents supporting my residence to Esurance from my landlord and I have also provided bank statements showing transactions in Pennsylvania. At the time of establishing my policy, Esurance made it a point to ask if I frequented NYC/ NJ on a regular basis and I advised I did. This caused me to pay a higher premium. My policy was in fact kept in effect by the insurance company after receipt of these documents. Esurance continued to bill me and provide me with full coverage until my vehicle was stolen.

On August 22nd I called Esurance to advise that my vehicle was missing. I provided copies of police officer names, badge #s and a police report. Esurance requested documents and items from me. They were all hand delivered to Scott ***, my claims adjuster in the Hauppauge, NY office. I gave him my signed notarized title, my only copy of my car key, and supporting documents showing my sound system, rims and the recent replacement of my engine and transmission. At that time, I gave Mr. *** my only car key with two remotes attached. One of the two remotes were broken. When he asked, I showed him and advised the rubber interior from one of the two remotes deteriorated and I was unable to use it so I had to purchase and alternate remote and program it. Clearly Mr. *** met with me. We discussed my claim in person at the Hauppauge office, another sound attachment will show the manager advising she is unable to speak with me in person at the same office when I needed assistance. She directed me to customer service.

Two and a half months have gone by without any word from this company in regards to my claim. Once my vehicle was recovered early September, it was then sent to an investigator and I was requested to give my deposition under oath. The lawyers office had to meet with did not have availability for about two weeks later. When I told the investigator the time delay was an inconvenience to me, he replied with, "Your having a policy with Esurance is an inconvenience to the company." This delayed the process even further and pissed me off. I waited and waited.

Somehow I was able to get in touch with Mr. John ***. He has been the only person to this day willing to help me within this company. He advised my claim was sent to an additional attorney (not the 1st, but a 2nd one! ) and Esurance was waiting for the attorneys opinion and will have to have a meeting and come to their own conclusion after getting the opinion. He has made several attempts to get in touch with the attorneys office requesting a faster response. In the mean time, I was racking up a rental car bill totaling close to $2500 to date. I have rental car coverage on my policy. I was told by Scott to get the rental and forward the bill over to him and he will take care of it not to exceed my policy limit of $1200. He even went as far to change the rate on my agreement in the meantime resulting in me paying the insurance rate.

Once this claim was deemed as being dragged out, I then spoke with Christene ***. I advised that two months later I expect Esurance to cover the additional charge for this rental since I have cooperated 100%. I was told she will review it once the claim is decided. Today November 2nd, 2011, I must have called Esurance 10 times looking for a response. Towards late afternoon on a call I initiated to Scott, he told me he didn't get a chance to review the lawyer's decision. He placed me on hold for about two minutes or so and came back with a denial. I asked him for his reasoning. Per Scott, 1.) I only gave one key with 2 remotes (my car was purchased from a crashed auto auction in SC. It only came with one key and this was explained to him and in this letter), 2.) the vehicle was carefully stripped on the interior (Now correct me if I'm wrong, but if a vehicle was stolen in order to be stripped, wouldn't the thief take their time to avoid causing damage to the parts they are trying to steal?). He says it should have been ripped out. Now that is stupid logic from my point of view, and 3.) I have financial issue?

Incorrect. Esurance needs to check all three Credit Bureaus before insulting me. I just financed a 2011 BMW through BMW bank (I will attach a copy of the contract proving). If my credit was bad, this would not be possible. The only debt on my credit report is undue student loan. It is subsidized until 2015 meaning it's not due to be paid! Any other debt brought up by the lawyer, I can't even dispute because he did not let me see the report. At this point, I am beyond fed-up with this company. They are looking for every inaccurate reason to avoid compensating me on my claim but continued my policy, renewed it in April and continued to bill me and accept my money. Finally, I got a letter from Scott telling me I was denied due to fraud? On top of not attempting to help, I was accused of being a criminal? This is unacceptable. After getting ignored for over two months, I made an attempt to go to the same office where I met Mr. Scott *** and was turned away due to their company policy that Scott didn't seem to follow if it in fact existed.

My car was vandalized on Saturday, October 8, 2011, in the parking lot of a mall. I contacted Esurance and filed a claim with an adjuster by the name of Michael **. When I told him what happened, he informed me that my car would be repaired and my deductible would be waived. I expressed to Mr. ** how happy I was that I wouldn't have to pay a deductible. He informed me that he was just happy to help and he understood because he was in a similar situation. When I arrived to pick my car up on October 17, 2011, I was informed by the collision shop that I had a $1000.00 deductible to pay!

When I contacted Michael **, he claimed that he did not recall telling me that my deductible was waived. Yet, he kept saying how bad he felt about the situation. He said that he would take full responsibility for what happened. And he said that if he has to come out of his pocket to help me pay the deductible, then he would do so. Mr. ** gave me the number to his supervisor Margarette ** and told me to speak with her regarding the situation. When I spoke with Mrs. ** and told her the situation, she then contacted Michael **, in which he denied everything. Margarette ** took his word and made it seem as though I was a liar.

I have been with Esurance for years. I never defaulted on a payment and this was my first claim ever filed. I am unable to get my vehicle from the collision shop and they offered no concern and no resolution. They won't even try to help me! I have never been treated so horribly as a paying customer in my life! I still am unable to get a resolution to this issue. And I am unable to come up with $1000.00 to get my vehicle and they could care less. I asked Margarette ** to contact me with Michael ** on the phone and they have yet to do so.

I am fairly new to Esurance and started my policy about a week and a half ago. I paid a six-month premium in advance so I wouldn't have to worry about payments. Upon checkout, I was advised that my premium jumped up about $100. I still ended up getting the insurance. Wrong move! I just received a charge on my bank account for another $125 that was unauthorized!

I called Esurance to see why I was being charged for something I didn't authorize. After talking to four different people and waiting for a while in between each transfer, they told me that I would have to call back to speak to someone in a higher position because they have no idea why the money is being taken out. I am now going to cancel my policy in hopes that I do not lose more money. I am a single mother of three who just lost her job and felt that it was a good price to be fully insured. From my post and others that I have read, I believe that there is seriously some funny business going on with that company.

Esurance is a well organized group of people dedicated to the art of screwing people by making sure they get a commission whether a client is insured for a minute or a year. Read the very skewed contract and beware, caveat emptor! If you cancel at anytime for any reason, you are charged a 10% fee based on your total annual premium which you pay in the initial payment to Esurance. You will never see that again, usually it is $100. My experience with companies who operate like these folks, is they won't last long when the word gets out. Just long enough to screw people out of a small fortune and move on to other scams like Car Repair Warranties or Prepaid Legal Services. Consider yourself warned.

On September 6th, 2011, I called to cancel my policy because I found a cheaper auto policy. I was informed that the refund of my last month's payment would be returned to the card that I made the purchased on, minus a 10 percent cancellation fee. On September 20th, 2011, I received the refund which was supposed to be $153.00. The amount credited back to my card was $93.00. Upon seeing this, I called Esurance and spoke to a customer support agent and explained my problem. He said that there was a 10 percent cancellation fee in Florida, the state where the policy was written. He went on to say that the math didn't add up and he would research it.

After holding for 10 minutes, he returned to say that the 10 percent was taken from the total unused portion of the policy. I asked to speak with a supervisor. Holding again, finally, a supervisor came on the line and basically told me that the state of Florida says exactly that, that they can take a fee of 10 percent of the unused policy. The state said they could do it, they didn't say they were going to do it but did it anyway. I am a diabetic on insulin, unemployed and not on unemployment. That little $50 dollars that I was counting on would make a big difference in the way I ate this week or the medications I purchased. I do not think it's right that a large company can do whatever they want with an individual's money, without their knowledge or prior consent.

I called the 1-800 number to inquire about the additional charges they took from my bank account. I stated this insurance in June 2011, paid in full at the time of starting the policy. I explained to the gentlemen at the time that I do not have access to a computer. He stated that I will not need a computer, that he will be mailing my cards to me, and all contact will be via mail. That was a big lie. I never received my insurance cards. And they claim they mailed me a letter stating they needed additional information on my last insurance company.

I got into a minor accident, and it cost about $3,000. The policy was renewed, and the monthly premiums nearly tripled. It took almost three months for me to realize that they were ** me on the back-end. Quotes from competitors are closer to 20 percent from the initial premium. I am taking by the insurance business elsewhere!

After upping my rate three times without notifying me, I called for an explanation and was left with a circular conversation that made absolutely no sense. They ended up trying to charge me additional money on my premium because I couldn't establish a prior policy for two years prior to my new policy. However, I could, as it was Esurance that was my insurance company for the two years prior. Then they also tried to charge me more because I called them on the ridiculousness of the situation.

Okay, so I reported this insurance company for screwing around with my claim. It's funny because these ** actually had the audacity to deny my whole claim saying misrepresentation or fraud! Me, my husband and my cousin were in a car accident on June 5th, 2011. Unfortunately, it was my birthday! Anyways, it's Aug. 19th and their response to my claim after we complied with them to the declaration under oath that they decided to actually deny my claim.

I lost my car, I lost pretty much everything and we have injuries because of the accident. Then the ** representative said that we were friends on Facebook with the other people when we don't have any Facebooks at all I mean. I have myspace but not facebook LOL. It was funny because they were accusing us of something that does not make any sense at all. Anyways, another funny thing was when we went to the Declaration under oath. They took 2 hours with me, almost 4 hours with my cousin and only 30 minutes with my husband who does not speak English and definitely does not know how to work with computers. LOL.

Now tell me, why should this insurance company that I took from June till August actually claim something that's not true? Of course, I decided to go further into Court Proceedings with them. Anyone please, before you choose this insurance company, please choose another carrier! What you pay for with them is not any sort of coverage you are getting. You should read all the comments about this company and make sure to choose an insurance company you can sleep at night with no problem about losing anything because of them! Please be wise. They're very economical but when it comes to you being covered, they're complete **! Horrible customer service and lots of waiting delays of your claim! Wish me luck with these incompetents! Thanks.

My son had his car totaled by a man insured by Esurance. It took us almost two weeks to file a police report and get Esurance's contact information and call them. By then, we had already incurred storage fees. We were waiting for them to come out and appraise the car as it was leaking oil gas and hydraulic oil. Also, it would not roll because we had no place to put it. Twenty one days after the wreck, we got a letter from Esurance saying that it was our job to move the car. They would not pay for the storage and my son's rental car but offered us about half of what was paid for the car. They play games and only have one mission in mind—cut their losses and ** the injured party. They need to be sued out of business.

I have been with Esurance (automobile insurance) for over three years. My husband had a minor incident backing out of our driveway and caught the bumper on the carport. The bumper was taken off of the car. The total amount paid out by Esurance after our deductible was $600; the rate increase just received for a 6-month policy renewal is over $500. This equates to a 48% rate increase.

I talked with a supervisor of the rate department, and all she could say was that they don't look at what type of incident it is. It's an at-fault incident against my husband; he was behind the wheel when it happened. Basically, it could have been a serious accident in thousands of dollars, and the rate increase would be the same...HUH? This does not make sense to me and should be investigated.

It was my birthday on June 5, 2011 and I had drunk a little with my husband and so I knew that I wasn't able to drive. Since I have three kids, I definitely wouldn't drive and so I sent my kids with my little sister and I had my husband's cousin drive me home. He stayed with us but it was an on and off thing. He was back and forth. Anyways, that night my cousin had turned in the short cut which we always take when we're going home and the stupid car in front of us all of a sudden brakes instantly and my cousin ends up trying to avoid hitting them and hit my passenger side of the car. It was horrible and I was really upset for my car. That night, we called the police and I didn't report the incident till the next morning because I was all there. I called and did the claim process, and everything was fine. I got my rental car and all and took my car to a facility.

I found how to get it fixed and about a week later, they called me saying that there was a whole investigation going on. I was like what! I have never had any problems with anyone so I figured it was all a big run around so they wouldn't pay for the damages for my car and they sent me a letter to have an EUO for the three of us. I felt so stupid, like I was being accused for something that no one has control over and well, I told them that I was going to comply and I had nothing to hide. Well here I am, one week later, after my EUO and they don't answer any of my calls.

My car was fixed already and still no payment was made. Everything has been complied with them and nothing has been done with my claim. I chose them because of the low rates they have and I can't believe that nothing is being done. My car is financed by a bank which I still make payments for and yet my car is just sitting there accruing storage fees by the day.

I was hit on my driver's side by a large speeding truck early May 2011 in my Honda Element. The thing was completely smashed. I walked away with a severe concussion and that was it, so I was very lucky. After seeing photos of the car, with a quarter of it missing and the entire front of the car obliterated, I figured Esurance would declare the car totaled and reimburse me. But no, they quoted the car at a ridiculously high price and said it was repairable. I think they just have some really cheap repair shop in Salt Lake City. I'm a teenage girl living alone away from my parents and have never dealt with a situation like this. They took full advantage of the situation.

They immediately towed my car and started work the next morning, so it was too late to say no. They quoted my car at $16,000 and repairs were $14,000. The car is worth about 9-10,000 dollars. It was ridiculous. They called me, about ten ago, from the repair shop West Valley Car Star (do not go here) in Salt Lake City and said my car was available for pickup. It took me a few days to schedule a ride and get the $2,500 deductible approved by my bank to spend all in one day, which is really a tragic loss for a starving college student like me who works as a nanny part-time and pays 100% of her own bills. But that was my fault for choosing such a high deductible when I signed up for insurance. I picked up the car and drove it home and it drives sort of weird. The acceleration didn't feel right at all.

When I got home, I noticed the door panel had a huge hole in it from the accident and they haven't replaced it. They have given me an old windshield that was chipped and epoxied in three spots. They have only replaced two of the tires, making the car uneven and unsafe. The lock on the driver's door was not installed correctly. The key for opening the locking gas cap is missing (so I can't fill it and don't have enough gas to make it to the repair shop). Someone from the shop took or lost the owner's manual for the car. They claimed it was never in the car. Then where did it go? I would never, ever take it out. Overall, they've done a botch job in the month and a half they had to fix the car. I am so sick of the phone calls and dealing with these people. I was absolutely screwed in this situation. All I want is to sell this car and get rid of it, and they are making that impossible for me.

The Esurance representative they gave me to handle all of this apparently quit and the woman I spoke to at the same office in Denver, CO said that a lot of the records were missing and no one in that office could answer my questions. The first representative told me I'd be reimbursed for the payments I made towards the car insurance, for the time I was without a car, but now they're denying that. I have no manual, no way to fill the car with gas, a terrible repair job and most likely, a bent drive train that's just going to crumble the next time I can possibly drive it. I am absolutely broke and really hoping for some sort of miracle so I can afford living and school. If someone knows anything I can do in this situation, I'd love to know. It's been almost two months since the accident and it seems like it was yesterday. It's a nightmare. Please email me if anyone has suggestions. Thank you.

For six months, Esurance trying to collect claim for the wrong car. My car was not the car involved in the accident. Esurance admitted that the car involved in the accident was white and my car is blue. My State Farm Insurance determined my car had not been in accident but Esurance is still coming after me, six months later.

On Jan. 30, my husband and I arrived home from work around 9:30pm. As soon as we were within range, the two way transmitter from my alarm on my car, which was parked in our drive, went off. It therefore signaled that the alarm had been activated at some point. The best deduction we could make is that they were trying to obtain entrance into my trunk, where I have a couple thousand dollars worth of stereo equipment. You could follow the fingerprints and superficial scratches all around the car in the black paint and see they had tried to pry open any area that had any type of access to the car. I immediately called and filed a vandalism report with the police dept.

The next day, Jan, 31, I reported the claim to my insurance, Esurance. The car was towed to one of their provider shops for the estimate. I only spoke with them on the phone and was not present when they did the inspection on my vehicle. The claim went from one rep. to another because I had a previous claim with my old provider. I was told by her that they were doing a reinspection and would let me know when concluded. Megan spoke with my husband about the damages we had noticed and said they were all approved and she would double check that they were all on there. Check was issued the next day to body shop and me but the repair of the linkage was left off.

I called to inquire of this and only received the voicemail for Ms, ****. She called me the next morning to say that it was approved and she would let the body shop know. Less than 2 hrs later she called back to say they had changed their minds and would not cover the linkage. We asked for her supervisor and Mr. ******** called that afternoon. My husband explained that yes it is an older vehicle that had some wear and tear but was safe to operate on the road until the linkage pin was removed and caused the arm to wrap around the drive shaft and in turn damaged that and the bushings.

We know they had some wear but were in working condition. He implied that we were lying but finally said they would cover it and then declared by car a total loss. He wouldn't first let us get another estimate, discuss any other solutions, or cooperate in any way. The total loss dept. never gave me any type of figure or value on my car. They just turned it over to Ms. ******** in SIU. I was trying to prevent my title going to salvage. She said that she was working on my behalf to help prove the damage was valid and would help me get my desired outcome. I had called the dealership and found their pricing to be considerably cheaper than Jordan Valley. Based on that, I did not know if I could keep the claim low enough to not require a salvage title or not. Ms. ******** said to email her the info I had and she had some phone calls out. I sent her the email that evening and got an auto reply that she was on vacation for the next week and a half.

In my opinion she should have made me aware of this. I contacted her supervisor, Mr. ******** and the claims supervisor, Mr. ********. My file was then sent back to total loss dept. Susan ****** and she informed me that my state did not require a salvage title due to the age of the vehicle. She offered me a settlement amount that I felt was too low due to recent work I have had performed on the car. After sending her the receipts she revised the settlement amount and said that I check in the amount of $1281.61 would be mailed out to me that day. I emailed her back with a question about my coverage and received no response. I called and left voicemails for 3 days before her supervisor, Ms. *** called to tell me my file was back in SIU and had no idea about the settlement.

Ms. ******** stated that she received photos from the adjuster on my previous claim and there appears to be some damages visible in both photos. She wanted to send that same adjuster back out. I refused since he is a large part why I switched carriers. I stated that the items on the two claims are not the same so therefore one has nothing to do with the other. The only similarity my husband and I could find was the broken headlight bezel, which had been replaced and we still have the old part. My husband sent Ms. ******** a photo showing her the old bezel damaged in the same general area next to the car so there was no question. She said I was uncooperative. I have allowed them to examine and re examine my car 3 times. Enough is enough and I can't keep taking time away from work to deal with them and things they should have already gotten. I also explained to her that 6 weeks later is too late for this to be accurate, especially since the car was wet sanded and all the marks came out except the chips around the gas tank. After all this, I received a reservation of rights letter from Ms. ********.

The last email from Ms. ******** stated prior damage, yet she cannot name anything specific and that it stated on the estimate that some imperfections were ruled normal wear and tear due to age. She then said she would have to review to see if this would be covered. I know my car was not perfect and have never claimed it was. If those things are not on the estimate and I am not claiming them as damage, then why does it matter? It is definitely not a reason for her to send another adjuster. Through this whole process, I have been given the run around, promised payment in 3 separate emails, had my integrity questioned by more than one rep., and still can't get a firm answer out of them. I didn't ask for this to happen and just want to be able to drive my car again.

I was rear-ended on my cousin's motorcycle in July of 2010. I had a lawyer but I had to fire him and took the case over myself. I was put out of work, I have 10% loss of movement in my left arm, and I have doctor documentation and MRI that says I should not be working and that I need an operation, but insurance was unwilling to compensate for the lost wages, pain and suffering, and the operation. I was left with no choice but to settle for $15,000.

My license was suspended for non-child support payment. I sold all I had and was living in my van from October to present in the cold of Chicago winter 2011, March first, until I received a check. I was forced into taking it to get my life back. The only thing I can do is drive for a living and deal with the pain a texting woman left me with when she rear-ended me.

If I was in a car, my injury wouldn't have happened, but the impact of a mini-van hitting you at a relaxed state, sitting at a stop light and waiting for the light to turn green is almost the same as them hitting you from behind, with you standing on your feet and the van hitting your body.

I called to do rate comparisons to other insurance companies. I was told by Esurance rep. Mark that with our new rate, we were entitled to was about $152 less for our six month policy. He claimed that the changes to our policy were active and submitted with nothing further needed. We called back the other insurance companies and verified better policies rates available. We contacted Esurance back to go ahead with our cancellation to gain the better rate elsewhere.

I was well aware of the cancellation fee of 10% to be assessed for canceling before the end of the term. I was told that the refunded amount due to our family would be calculated based on the new adjusted rate. However, 10 days later, I was informed that because the policy was cancelled on the day that the policy changes were submitted, the prorated refund would be calculated from the original rate. Again, even though I was assured that that would not be the case by rep. Mark. Rep. Travis stated that if I had remained a customer, the adjustment would have been applied.

The difference we are owed is about $84. Rep. Travis did return the 10% cancellation fee of $36.32 but that still leaves an outstanding difference of about $47. I have been told that there is nothing else that the company can do to fix this issue.

I called back to ask to have tow service come out and was advised that you can only have one service come out within a 24 hour period.

After speaking to several representatives the bottom line turned out to be that we as consumers are paying for services that will not be rendered through Esurance. My car did not get towed, through the insurance co. I had to pay out of pocket for the service which is what the contracted roadside assistance supervisor indicated that she could do for me. I chose not to go with their services since I would have to pay out of pocket anyway. Why not choose the business of my choice? The bottom line is if you are looking for an auto insurance company that is willing and will provide the services that you pay for, Esurance is not the place to go.

After 5 years with Esurance with a perfect driving record, we had a minor parking lot bumper repair. No damage to our car but $800 to the other vehicle. They then raised our rates over 30% because the amount paid out had no meaning, only that we had an accident. I should have just paid for the repairs myself. Next time, we will be sure to try for as much damages as possible and maybe some bodily injury also.

I ordered a policy through Esurance.com. Shortly after I made my first payment, I had some questions and attempted to contact the company. I tried many times. They never responded and to cancel my policy meant paying $50 for the privilege of doing so.

So instead, I contacted the Better Business Bureau and reported them for the crooks they are. I suggest everyone else do the same, especially since Esurance.com is not even addressing the complaint. They're just pointing out that I had the option to cancel and pay the $50.

Thankfully, there's no physical damage. I can only imagine if I ever had to actually file a claim with these people.

Fortunately when I purchased my policy, I used a prepaid VISA card from the grocery store and I recommend everyone else do the same. That way when you have a problem and they continue charging your card, it simply will not go through. You don't have to cancel your real debit card to keep them from stealing your money.

I called and spoke with an Esurance representative about canceling my auto insurance after my rate went up about $50.00 per month when my wife's car was rear ended and we reported it to Esurance for their records. Other insurance paid for the damages. Although I cancelled, which would take affect 11/11/2010 with no further payments due, they processed an automatic bank transfer the next 10/11/2010 if I decided to renew. They said that could reverse the bank transaction so I had to submit a stop payment and hope it goes through in time.

An Esurance client rear-ended me and my car had to be repaired. My husband and I had left several messages for Nicole and the adjuster and the only one who called us back was the adjuster. He explained that the Colliton place would call us when the car was ready. A couple of weeks go by and I received a call from the rental car company saying Esurance stopped paying for the rental over a week ago.

We called again and the adjuster was the only one who called us back. He said that the car would not be ready for a few more days and that we would have to speak with Nicole to get her to extend the rental. After we called her back and told her we left a message for her boss Andy, did she return our call. She explained that she would give us a courtesy through that day on the rental but no more, even though my car was not complete.

Andy, her boss, called my husband and explained that we must pick up my car today and that they were going to do no more. Needless to say, I am not having to pay out of pocket to finish the repairs on my car as it is still not ready. I asked the boss, Andy, to call me back and still have not heard from him. When did it become right to have your client hit someone and not pay when it was deemed his fault 100%?

I switched from PEMCO to Esurance after I needed an SR-22. Esurance quoted me $105/month and assured me that I would be have the SR-22 within a day or two. I bought hook, line and sinker. They did not have it in that time and I told them I would get other insurance. They then told me they would charge me if I left. So I stayed. My insurance within two years has gone from $105-$136/month. The increases have been steady and when asked the reps would tell me:

2) Accidents in your area have increased and 3) the cost of doing business.

I told them that they needed to provide me with a dollar and cents amount of what exactly they are charging me for and I have received emails telling me that they would check on if they could provide me with this information. I cut off my debit access for Esurance. They have since charged me late charges consistently and have not give me any explanation. It has been an absolute nightmare dealing with Esurance. I would suggest to anyone to stay away. I am not working and have not been since February. I have struggled to meet these payments until they were just too high. Not having insurance means I will have to take a bus for any job related errands.

If you cancel your policy, they charge you a $50 fee! I was supposed to get back $176.00 in a prorated refund but they kept $50 of it as a fee. What a joke! The only reason I cancelled was because I added my 16-year-old son to the policy and they raised the rate $400 a month. State Farm only raised the rate $200 over what I was paying with them. They weren't even close to being competitive!

I paid my grandson's insurance with my debit card. Esurance then proceeded to charge my debit card every six months. Unfortunately, I was out of the country for a year and was not aware of the charges until I returned. I called to tell them I had not authorized them to continue to charge my card. They would not remove the charge. I have gone to my bank to dispute the charges and they say unauthorized charges are fraud.

I like all the other complaints was quoted one price and then they start the games with increases because I had been without a car due to a wreck (Not my fault someone pulled out in front of me). Each month they increased the premium and then charge $50 based on who knows what premium total.

I went from Progressive to Esurance because I was quoted around $200 a month from Esurance and Progressive had gone up to almost $300 a month due to an accident. I had to put down $360, and not even a week later, the quote went up to $300 something that was even higher than progressive. They say that it was because my progressive insurance had lapsed. Then they sent me an email saying that my premium went up to almost $400 a month. When I did my online application, they knew about my accidents, and even though my insurance with progressive lapsed, I didn't see why it went up almost an extra $200 a month from the original quote.

So, I immediately cancelled and got insurance with another provider. Now, they are saying that I still owe them $132 for the 10% cancellation fee. Are they crazy? That is almost $500 for a 30-day coverage. That is absolutely ridiculous. Stay away from them, period. They put me under pressure financially and emotionally when they changed my quote.

Esurance.com caused me to lapse on my auto insurance! Esurance.com gave me advice three separate times and in the end my auto insurance lapsed and has gone up by over $100 per six months for the next three years or over $600. Mind you, I have had continued auto insurance for over 22 years, but thanks to Esurance this is no longer the case! I will never use them again! Plus, there is no complaint division and they did not care that I was going to Progressive auto insurance. 10 of my other family members are now going to leave esurance.com and go to Progressive as well. I guess it is better to learn now before I really need to use my car insurance and see how esurance.com would really ** me over!

Vegas isn't all that exciting when the reason you're there isn't all that fun! Some three weeks ago, he was rear ended by a drunk driver who ran a red light while going 60 plus! The cops were surprised that the driver didn't even try to stop and tried to leave the scene of the accident! Needless to say, my father-in-law's car was totaled. We went out to Vegas to help him and my mother-in-law out the best we could. He spent a day in the hospital and has been in pain since. Keep in mind, this is a 73-year old disabled man (has to be on oxygen 24/7 due to pulmonary hypertension) and has a heart condition.

The driver who hit him is insured by Esurance. It took us three days to get in touch with an Esurance claims representative and four days to acquire a rental car through them. For the next three weeks, none of our messages were returned. However, we received a phone call from the car rental company asking us to return the car since the insurance company cut the rental off. Our refundable deposit was not returned since Esurance hadn't paid the car rental company and never returned their payment related inquiries.

After two consecutive days of calling and being put on hold, we were able to get through to the adjustor in charge of the claim. We were told that since my father-in-law has a good insurance plan, Esurance doesn't feel responsible for having to pay his medical costs. Regarding his car, we were told that the car was totaled and will not be repaired. Instead, he was offered $790 for the car. It's easily worth $5,000 plus. When we declined the offer, we were told that this is all Esurance will pay and that the check is in the mail. That whether he cashes it or not is up to him but that we're not getting a penny more! Inquiries as to the whereabouts of his car were evaded and the adjustor refused to even listen to anything we had to say.

It's over 100 degrees in Las Vegas now. He can't be out in the heat. The nearest bus stop is almost a mile away. He can't do his shopping, can't go to his doctors' appointments, can't go to the pharmacy to pick up his medications, can't pretty much do anything without a car. While my mother-in-law has to get up two hours earlier and walk a mile or so in the Vegas heat to catch the bus to her part time job. Putting enough money up front for a car right away isn't an option for most people let alone a retiree and a semi-retiree and especially in this economy!

While I understand that insurance companies are only looking out for themselves and are in the business of making money, not giving it out, their function is to leave people in the state that they were in prior to any accident they might have been involved in. In this respect, I really can't help but believe that Esurance's behavior represents nothing more than a breach of the good faith that insurance companies are expected to ethically uphold. Leaving a 73-year old disabled man house-ridden because their claims department wants to save a few bucks can in no way be justified!

My father-in-law is house-ridden. He has had to cancel doctors' appointments, trips to the pharmacy, can't go out, can't do much of anything. By cheating him out of a fair settlement, Esurance took his mobility away. He's also suffering from back and shoulder pain that lingers and doesn't really go away. My mother-in-law has had her schedule turned upside down and even what was once a short trip to the store now becomes a day long chore due to Esurance's decisions.

Why am I not saving the money you promised when I started this policy? 35 years without even a parking ticket! Now you start withdrawing the amount 10 days early. Again not part of our signed agreement. Today is Fathers day and I am posting this letter on the internet and calling www.geico.com and www.progressive.com tomorrow morning as soon as they open. By 17:00 I will have changed insurance companies again. I switched to Esurance because 21st Century took over my insurance coverage from a failed company. Then tripled my amount due. Now with the discount you promised YET have failed to produce, I am paying you only $200 less than their rate and still higher than my first plan!

Think about this for a moment. No accidents! No tickets! No claims! And now no discount! This is my driving history for the last 35 years! Am I being penalized for being too careful and this is your way of showing it? I am going to make it my personal mission that this site is read by as many people as I can. And with a Computer Science degree, I have methods to make it available to millions across this country. The written word is a powerful engine of change. Powerful enough I hope to open people's eyes to your way of performing business. I am starting by posting this letter on that site.

I got rear-ended in July of 2009. It was by someone that was insured by them. So anyhow we went through all the necessary issues and they did get my van fixed. I then also had injuries that were not detected until the weekend of that week. I ended up going to the E.R. and found out that I had whiplash. So then I am getting calls from them asking me to call them back. So I did call them and I got no response and the only time I did get a response, the representative I talked with said that they have given my case to someone else and that they would have to call me back to go over what was happening with my case. They say they will get back to you in 4 hours, but they never did get back to me until weeks later. So finally, I was so fed up that I just called and waited for a call back. In the end, they sent me a letter saying that they were ready to settle and they gave me a settlement and asked me to sign the document and send it in. So I did more out of wanting to just get all of it done and over with. As of yet it has been 4 months and there is no check in my mail.

My name is Melissa Chapman, and I am the Brand & Public Relations Manager at Esurance. It saddens me to think that anyone buying auto insurance from our company would have a negative experience with us as we strive to make auto insurance better every single time for every single customer, from quote to claim. Our customers, by and large, love our company, and approximately 80% would consistently recommend us to their friends and family, the greatest testimonial to excellence any business can receive. That being said, clearly, for those who wrote in to your website, this was not the case. Because we are a customer-oriented company, I would love to hear from the folks featured here about their experiences with us so that we can investigate and learn how to improve.

Though some of the issues involve things like how insurance rates are derived which we cannot change, there may be opportunities to improve how we communicate those kinds of things so that people don't feel like they've been treated unfairly. Our philosophy is: anytime one of our customers is unhappy, there is at least some part of the process where we could have done better. Please feel free to post this email address: communications@esurance.com along with this reply if you do, as we really do mean it when we say that we strive to deliver an outstanding experience to all of our customers.

I was involved in a hit and run in which the person to blame had no insurance. After I'd say at least 2 1/2 weeks, the police report came through with a VIN and license plate number of the person who hit me. Of course, Esurance never contacted me to let me know they had this information. In fact, the only time I ever got a call from them was the initial call requesting a recorded statement from me of what happened right after I had filed my claim. Every other time, I had to call to get any information out of them, status updates, etc.

So then one day, I find out that my adjuster had contacted the person at fault and that they told her they did not have insurance. Did Esurance ever tell me this? No, again not until I called them. My only other option now was for my insurance to help me out. So, they looked at my coverage, and lo and behold, I had uninsured/underinsured motorist coverage, which is also supposed to help you in hit-and-run accidents. "But wait, you only have medical," they told me. Medical? "Yes, I'm showing you declined property damage." Excuse me?

So, I went and looked at my policy summary that I receive every 6 months in the mail, and it says right there uninsured/underinsured motorist coverage and nowhere in there do I see medical only. At this point, I am getting very upset.

Here I am, with headaches from the crash, without a car, no help from the uninsured, and now, no help from the insurance company I pay to try and protect me and my assets! Here I am, thinking all these years, I have this uninsured coverage because of some of the horror stories you hear of people killing other people in hit-and-run accidents to then find out I only had medical and not physical.

So, you may be saying "Well, that's your fault." Not really, as a consumer, we don't have all the information; and when it comes to insurance, unless you're an agent, you probably don't understand every single part of your insurance. Can you think of every possible accident scenario and know your insurance is going to cover you? Esurance gives you the option to go online and set up your policy. Great, and when you "decline" coverage like they said I did, they simply answer with a "Sorry you declined it, nothing we can do." Victimized twice!

My frustration is that, if I had really understood that Esurance has separate uninsured medical and uninsured property damage and that I needed to have both, I would have not "declined" it, who would? Really? I'd like to know who out there has declined that coverage and understood exactly what they were getting into.

I asked them why this particular coverage was separated into medical and property. They didn't have an answer. One person told me that's just the way the insurance is written. Oh yeah, great answer, like the insurance can't be written any other way; that would be too hard. I told them, "It seems to me that you intentionally separate property damage, so that you can get out of claims like you're doing here." For some reason, I am picturing someone at Esurance saying "Some fool will drop by our website, select their coverage, they wont know what they're doing, or wont understand it and some probably wont even read everything. So, they will be short coverage in certain cases/scenarios and that means we won't be responsible for their claims"! Profits, profits, profits!

Well, getting back on track here, later, a supervisor told me the reason was "We like to give our customers 'options'." Options huh? That's great. I am sure a lot of people with liability only go ahead and decline that uninsured property damage coverage, because who really cares about their property, right? I don't! I said if I had a 20k car, in my right mind, I would decline property damage and forgo 20k dollars? Makes a lot of sense, doesn't it? Mind you, that this is coverage that only runs approxiately $20 for 6 months! It's even more of a reason for me to "decline" it, plus I didn't care about my property!

In the end, I asked if there was anything they could do to help as an Esurance customer. No, not really. I declined the coverage and that was that. So, Esurance, I hope you're happy with all the money I have sent your company over the last several years. I have had my cars with you, then I switched my home insurance to you and will never renew my policies again.

I had also been recommending you to my friends and even my family but not anymore. In fact, most of the people I know I have made aware of what happened to me and the lack of support from Esurance. And, although I know other companies probably use the same dirty tactics, I will switch anyway, because you made no effort to at least try to help me some way. You didn't even follow up with me once. I was the one always chasing your rep and her manager. Thanks for nothing.

I hope Kristin **, public relations whatever at Esurance, will read this and anyone else in that company. If you really are striving to deliver an outstanding customer experience, I didn't see or feel it.

Esurance gave a quote and I switched due to the discount. After I switched for 3 weeks, the rate increased for a lot more than my previous insurance. Called customer support was told my self-declare driving record differ than my DMV, which DMV gave a better driving history since I forgot that it expired on a violation. So I asked, why is my rate still higher? This is stupid, better driving record and get a rate hike. I cancelled and switched to Geico, which stick w/ the quote I got. Convince all the people I know. Never trust Esurance. Switch and bait- not save.

I was moving from Mexico (where I have lived for the last 15 years) back to the USA. I wanted to get American insurance for my car before bringing it to the USA, as Mexican insurance is not valid here.

I filled out an on-line request with Esurance and was quoted a price. I bought my policy on line. A few days later, they requested a copy of my insurance so I faxed it to them. They then said that because my insurance was from Mexico, they were raising my rates. They claimed I had a 30 day or longer lapse in my policy which was not true. Now they are charging me a cancellation fee. They are crooks! I got a policy with better coverage from Geico for less money.

I lost my license a year ago due to poor decisions. Penndot requires me to have insurance on my car 30 days before I can get my license back. Penndot also requires me to have an ignition interlock system installed in my car before I can get my license restored. This company cancelled my insurance knowing I can't show proof of a driver's license until the ignition interlock system is installed. The system is being installed a day after they are cancelling my insurance and they won't work with me. I feel that is wrong of them to cancel me knowing I can't show proof of a license until all my restoration requirements are met. I do not have insurance on my vehicle when it needs to be driven down to have the system installed to get my license restored.

I called them to change my home address (closer to work). Chad told me my rate would be lowered by $12 per month and my new rate would be effective immediately. A few days later the old rate hit my bank account. I called and spoke to Melanie. She said she would research and apologized for the rate change not being explained. Her email explained that a 5% online discount had been applied for the first 6 months. My renewal rate is now more than what I started with! I am definitely switching insurance carriers for Esurance's deceit.

I started a quote online and when I was filling out the information about our vehicle, I noticed that it was not listed. So I called the number and sat on hold. Finally, I got to talk to someone only to learn that they would not insure our vehicle. They advertise to cover vehicle insurance, but when it comes down to it, they have certain vehicles that they do not insure. So I took this vehicle off of the quote and my quote did not change one single dime. You figure that, to cover 2 vehicles, it would cost more than to cover one vehicle. Not with them.

One of Esurances' client hit me on Oct. 19,2009. She was driving a rental car from Hertz. Esurances' adjuster came out the first of November. I have not heard one word from them since. I leave messages and no one returns my calls. I have contacted so many people and they keep giving me to someone else. The last one was Sonja M @ 800-631-0089 x-5755, which I might add is no longer a valid extension. I called 3 days ago. I was instructed that she would call me back within 4 hrs. I was told to call her manager if she did not call within 4 hrs which I did today(12-4-09) Andy R, I couldn't understand his message, at extension 5804. That extension is no longer valid as well. My vehicle has exposed parts that are getting worse and worse with the weather. What am I supposed to do when no one will answer my calls, contact me to what is going to happen. I did not do this, your client hit me and was also ticketed in the accident. This accident happened in IL. I hope this complaint is read by someone that can help me. I can't believe that this company is run like this!

I had two accidents in 2004 that were two months apart. As soon as I had the 2nd, they stopped paying on the 1st accident. My injuries were the same in both accidents but they felt that I must have recovered from the 1st accident when I had the 2nd, I guess. The 2nd accident made my injuries from the 1st accident worse.

I was sent to two independant medical doctors for esurance after the 2nd accident, one a chiropractor and the other a physical medicine and rehab doctor. The chiropractor said that no further chiropractic care would work for me and the physical medicine and rehab doctor said I should stay home and exercise. They cut off my PIP benefits. When I did not get any better, I went to a neurosurgeon and he wanted to do 2 surgeries.

I have been fighting ever since with esurance. They have ignored my letters so I have sent a demand letter and will file suit on Oct. 20 if I do not get a response. I paid for my coverage and have been denied my medical benefits when I need them the most. I have been waiting now over three years for those surgeries. It is like being tortured to death.

My condition has gotten worse. I have two areas in my spine that have now become "severe". I live daily with pain. I have lost my job and my health insurance. My employer was not happy that I could not do my job. If I would have had those surgeries in 2006, my back would not have collapsed in these two areas.

I got this Auto Insurance via web side on March 09 due to was cheaper than the one I had. I paid in full 6 month policy with my debit card a sum of $1055.00, but before I did that I read all the info, notes, disclosures and more, I didn't read anything that indicated that I authorized the company to charge my debit card if any change had happend into the insurance policy.

On June 23rd, 09 I got a vmail from a call I couldn't answer due to been at work, I called back and who ever answered explained to me that due to my son has a driver license, live at home at that time and had used one of my car and had a car accident, I had to add him on the policy with a cost of $580.00. I said I don't have $580.00 0n my check acct at this time I can't pay, I told her I'll add him on my re-newal in Aug 09, if I'm not wrong is when I need to re-new right? she answered back to me, yes by Aug 1st is your re-newal.

I asked if they have an offer that give a discount to add my son as a graduated high school with Summa Cum Lauder (excellent Grades), then she said due to he is a good student the charges has been lower down to $460.00, Then I said is that the ammount that going to incresed my renewal I need to do monthly payments. She said that is to add him now and charge the acct on file, I immediatelly said "NO" I do not authorized you to do so because I don't have that much on my bank acct. She said that this need to be process by July 1st, I asked if this can be done by myself by July 2nd because I need to know how much I have left after paying my thied and rent, then I'll do my re-newal adding my son with monthly payments.

I asked if I can have everything by mail due to my modem was not working well and I was unable to open Email all the time, she said OK, but she was still also send me the info via Email. I never received any doc by mail and I found out that my son was added into my insurance policy on July 14, 09 and charge my check acct on July 30, 09 for $461.93 when my check acct balance was at that time at $110.04.

Esurance transaction got my saving acct empty due to not enough money to pay the charge transfer an amount of $281.13 from saving to checking to increase the check acct balance but still was not enough. after spoke to too many people at Esurance company they told me I shuold sign a form to exclude my son to be added to the policy, I asked why this was not mentioned before and why the person who spoke with me on June 23rd didn't offered that form to me, they had no idea.

They faxed the form to me, I signed and faxed back the same day but I still not receive my money back and refound of all nsf charges of $32.00 that my bank had done on my check acct due to not enough money to pay checks or any transaction I do, this over charges had increased to a total of $485.00 that I'm requesting refound for them and also refound of $156.00 or more of late fees charges on my credit accts for been unable to pay them on time due to not having the money.

On Aug 27th, 09 I spoke with Ryan, Corp Cust Avocate- ID# 2246, said to me that they are not refunding bank over charges and any other charges and the $461.93 will be return to me when the investigation finish on their side. I don't know what investigation they are doing because the only thing they need to do is to listen the recorded conversation dated 6/23/09 whe I said "NO, I don't authorized my son to be added into the policy and can't debit my card."

they also wanted to charge me $25.00 when I asked againg to mail me copy of my Ins Policy, I asked how many pages are going to be send, she answered unkown, I advised that legal doc cost $1.00 1st page and $2.50 additional pages and $25.00 means 13 pages, I refused to pay for the doc. I printed the Ins Policy out of the web. Now I still no have my money a total of $1102.93 ($461.93 + $485.00 + $156.00). I need to know if this is a case for small claims or what should I do to get all my money back? I'll appreciate a lot for your help.

I have had Esurance for about 18 months. They gave me a very good rate but I now know why. They have terrible service and they are rude. some of the things they do , I think should be illegal. First thing, the last time I was renewed there was a $150 increase and when I enquired why they said the state of Colorado increased the amount they have to charge. I knew this was not true so I pressed them for more information and they then said the increase was because I paid them late. I am set up with an automatic payment with them so if it was late it was their fault, when I told them this they lowered the amount.

Next thing, I backed into a pole and damaged my pickup on June 28,2009. I turned the claim and they sent an adjuster. In the meantime, I taped the taillight wires together and went and got a estimate. when I showed the estimate to the adjuster he said his estimate would be exactly like the one I had but would have a slighlty cheaper bumper. When the money was sent is was based on their estimate which was a lot lower than the on I had (and what the adjuster said).

When I asked about the lower amount the said they would settle up later- a "supplement".

When they sent the check it had my finance company on it and the bank would not take it without the finance endorsement. I sent the check to the finance company and they kept it saying the would give it to me after I paid for the repair. I could not afford to pay first so I called Esurance for help. I was told by Jason that he had to protect the finance company and that was their "policy".

I asked Jason who was going to protect the customer, me , and he repeated he was going to protect the finance company. I told him I was going to write and complain about his behavior and he flat told me to go ahead I was only one person.I told him to find someone at Esurance that protected the customer and get back with me, I have not heard back yet(one month). I looked at my "policy" and I cant find where they mention getting approval from a third party to get my vehicle fixed. So it is not policy.

I have rental insurance with them that would pay $30 day for 30 days. I was told that the rental was only for the days the vehicle was in the shop. I knew this was not true (or why would they have 30 days) so I checked on the website and it stated it was while the vehicle could no tbe use. Since my tail light connection would not stay taped together, I demanded to be paid my rental. they finally agreed and sent me 14 of the 30 days (it had been about 20 days).

They did not actually make it possible to take my pickup in until August 10,2009. I asked for the other 16 days and they said the pickup was driveable( if they believed this they would not have paid the first 14 days) and they werent paying, I guess this is how their "supplement" works. They were supposed to send a new check to me but I have not seen it yet and my truck is in the shop.

I can't believe what just happened. I've had Esurance since February 2006. At first, I had just my 1995 Ford F150 on the policy until February 2008. At that time, the policy was $101/month. When I added my 2008 Ford Escape, the policy went up to $185.50 a month. My renewal was supposed to be 07/12/2009, so I called to see if there were any discounts or changes that could be made for a cheaper rate. I was told they gave me the cheapest possible, which was quoted at $1099.00 for 6 months. So I went shopping and called GEICO. They gave me identical coverage for $514.00 for 6 months! Wow. Monthly payment for Esurance: $185.50. Monthly payment for GEICO: $89.07. Esurance is a rip off and a scam. Every year my insurance went up, not down. There were no claims ever, no accidents or tickets during the life of the policy!

My roommate somehow backed into my brand new car even though she was parked next to me. Her insurance is Esurance. The lady at Esurance whom we are dealing with has been so rude. It takes her 2 days to return our calls, and this last time she hung up on my husband when he had some questions about the estimate given! It was a simple fender-bender, and yet it has been 2 weeks and the car finally went to the shop yesterday! Esurance is slow and rude. I have been driving a huge, gas-guzzling truck on my 45-minute route to and from work each day.

On November 7th 2008, my car was struck by a deer ( a no fault accident) my car was then towed to Courtesy Imports (a MITSUBISHI Dealership) there, it was stored for several days and I was told repeadedly that the car was totalled so the first dealership did NOT write an estimate for the damage becaused they assessed the car to be a TOTAL LOSS and should be totalled. Esurance, KNOWING this took the car to CO-Part. Where we all know totalled vehicles are stowed. About a week later I was called an told that the car could be fixed by a local body shop. The shop said they could fix the car for about 8 thousand dollars. I was surprised to hear they could even fix the car for under 15K and was VERY skeptic from the beginning.

I had a short talk with Bernard, Body Shop manager, asking if he could fix this TYPE of car or if he has even WORKED on a car like mine, and assured me he could and all cars are the same... I advised him my car is a HIGH performance car and needs special attention. He assured me the car would get fixed right. 4 months passed since the accident, my car NEVER reached industry standards and to my satisfactory AT ALL, Auto Body cut too many corners to try and make money on this car. This same body shop destroyed the INTERIOR of the car. I was told the car could still get fixed by a different body shop if I paid my deductable, which I did with out question immediately.

The second body shop, of my choice, who specialized in HIGH performance cars REFUSED to work on the car because they KNEW it should have been totalled in the first place JUST on the pictures shown to them from the accident and the look of all the damage on the car. 4 months passed by, I paid my $700.74 car payments on time with out question and my $1000 deductable. I asked repeadedly if I could get a rental car just temporarily so I could work-which I think due to the circumstances, is a reasonable request on my part seeing how it took so long. Being denied so many times, I told my boss I could not work until I was able to get a vehicle.

Due to the amount of time without a vehicle to get to work, my boss fired me leaving me with no job and no wages for the whole 4 months I was out of work totalling to over $2800 not including lost wages. I believe it to be a reasonable request to be compinsated my lost car payments last 4 months due to the fact the car should have been totalled in the first place. I believe the claim adjusters and reps did not do their jobs to the fullest as far as customer service because corners were cut that should not have been cut.

What im trying to say is that I took it to Mitsubishi because I knew, being a high performance caar dealership, they would fix it correctly from the beginning. But they claimed it to be a total loss. The reps, without getting a complete estimate, took it to Co-Part, trying to save Esurance a bucktook it to copart and then had an Under-cutter body shop where they in turn, thought they could fix it for a small amount of money which they ended up doing more damage to the vehicle. Im sure you can understand my frustration and financial situtation.

lost job, lots over 2800 dollors in payments and lost wages for 4 months.

First insurance policy had the wrong effective dates due to customer service rep error. Even though policy was cancled after only 1 hour, Esurance still charged me $15.00, which they promised to return but never did. Second policy was effective for 2 months. Esurance had asked for proof of residence, that was emailed to me by them. I had printed the document then deleted it, but never faxed it back to them. I had called them to get another copy emailed to me, which they did. I promptly filled out the paperwork as required, had it notarized and faxed it back.

On Friday 3/6/2009 I received a call, while at work. The customer service rep had told me that that was the wrong piece of paper that I faxed to them. I had told her that that was the document that Esurance had emailed to me, not once but twice. She had told me that she had emailed me the correct document on that day, and I had to return it by 3/8/2009 by midnight, or the policy would cancel.

Since I did not get out of work to 6:00pm on that Friday I could not make it to the bank to have the paperwork notarized. I called in to ask for more time, since Esurance had emailed me the wrong document two times, but was told no. Esurance had then canceled my policy on 3/9/2009 at midnight. I would have to say this was very unprofessional since they made the error twice with me. On Monday 3/9/2009 I had faxed the paperwork to Esurance first thing in the morning. They had told me the paperwork was unacceptable, and my policy had been canceled. I had spent over 2 hours on the phone with 5 different representatives. The last phone call that was made I had been told to re fax the document and the policy would be reinstated.

I was then transfered to the sales department where I was told the policy would have to be repurchased, not reinstated, with another $340.00 deposit. This was unacceptable to me. Finally when I told them that I would not repurchase a new policy, they offered me a $40.00 refund from my $325.00 deposit in February. Esurance has now lost a good paying customer due to the fact they are very unprofessional and very disorganized within.

they don't pay claims, its been 6 months and still have not paid for my stolen car. every time i call its a recording and when i speak to someone i am brushed off by saying they are still investigating. my biggest mistake was not researching the company before going with the cheaper quote. a word to the wise is you get what you pay for.

i am still sitting without a car.

My first commment has been posted, not sure if this can be added to it but I would like the following known: Esurance sent me a letter post marked 1/21/09 from their South Dakota office and that letter states that my policy has been cancelled as of 1/19/09 and reads on to say that Unearned premium will be returned to you in accordance with Wisconsin law and the terms of the policy. There is no refund check with this letter. I called Esurance to advise that the promised check is not with this letter and asked them to pull the recorded calls from 1/19/09 to verify that they did indeed promise me that they would process a check and mail it within 24 hours. No one is taking any responsiblity for thier actions and now I am still out the initial payment that they took for my policy.

On 1/19/09, I went online to purchase a policy from Esurance. I was quoted $304.55 for a 6 month policy. I put in my credit card information and it accepted my initial payment of approximately $97, then explained I would be billed every 30 days for the next 5 months. After I pressed the Purchase button, then a screen came up stating that I needed to then provide additional information by 1/26/09 or my premium would then go up to $455.65. When calling to cancel the policy, I was informed that I cannot just cancel the policy and void the transaction, that I must wait for them to mail me a check. I called Mastercard customer service and the money was already gone. They advised since I did give them my information, that I am now responsible for those funds.

I now am not able to purchase another policy until I receive the check back for the initial payment, therefore leaving me uninsured for the moment.

I got an initial quote from them for 787.66 for 6 months. Low and behold, days after I purchased the policy, they upped my premium to nearly 1200 for 6 months, and claimed that it was the result of 1 speeding ticket for 5 miles over that occurred 2 years and 9 months ago.

I had correctly filled in all of the information they had requested in the initial quote. I talked with an insurance agent there named Emily, and she refused to do anything about this, even though their systems at checkpoint were apparently down at the time I purchased the policy.

This smacks of bait and switch to me, and I will not be doing business with them in the future. I am cancelling my policy, and based on what I have read in this column, I will be putting a stop payment on any further electronic withdrawls from my account by this company.

I was rear ended by one of their customers. I initially was contacted or contacted them on 12/15/08. I called the same rep within 24hours to notify her that the body shop could indeed take photos and send a quote over to esurance. I called again daily for the remainder of the week without response. I again called the following week where the rep said when we last spoke I was to get back to her with more information. I nicely explained that I called daily with out hearing from her. Her response was Okay, okay. my son was sick and I was out a few days. We finally worked things out and I was given info to contact their enterprise car rental rep for Esurance.

I called this rep several days with no response. I tried calling the phone number (800) to talk to another rep or just try to get some help or guidance. After 30 minutes of pressing #1 to talk to a rep/continuing to hold I hung up. I then called the inital rep that I started (Raquel) and told her my situation. I was to drop of my car this evening and really needed to set up my rental and that I did not hear from Maureen who she instructed me to call to set up the rental car. She informed me that oh, yeah, she was off for a while, put me on hold to look at my claim. She did attempt to help but what I mostly got was aggravation and being told that people will call me back...of course they did not.

I myself called several enterprise locations without luck in obtaining a rental. I did however get on a couple waiting lists. I again called Raquel and told her that I did not hear back from anyone and she seemed so surprised. She then told me she was in the middle of something and would call the first rental location that we started with to get set up for an afternoon rental (I start work at 8am and we were trying to get something earlier for my work schedule). She was going to finish what she was working on, call the rental place and call me back. That was around 4:30 p.m. It is now 6:23 p.m. and I never heard back.

I have since then called the first rental place myself and of course they no longer have any cars available until Wednesday. I called the second location, which I am on the waiting list, and they are saying that I should have a car tomorrow. If they told me that I could have done this myself in the first place, I would have. I have only had two car accidents in my driving years, both of which were not my fault and never experienced such awful customer service. My insurance company did everything for me last time. I have now learned I should of let them this time.

My husband and I are a two car family due to us both working. We are now short a car and have kids that need our car for transportation to and from their bus stop. It is just a shame that we allow this type of customer service in this day and age. I also now have to miss 2 plus hour of work so that I may use my husbands car to get myself to work and then leave early to ensure that he can get to work on time. I would NEVER reccommend Esurance to any one ever.

My auto insurance policy was up for renewal so I decided to shop around. I got a quote from Esurance which was roughly 40% less then what I was paying today for the same coverage. I made the decision to switch to Esurance and also increase some coverage over what I presently had. I proceed to fill out all the information they requested to the best of my knowledge and provided my credit card for payment. Before I clicked the pay now? button it told me my 6-month policy premium would be $536.65. After they charged my credit card I was immediately notified that they needed to verify some information with my prior insurance company.

I called Esurance and we did a conference call with my prior insurance company, Travelers. Travelers provide some basic information about my existing policy to Esurance. I was immediately told that I didnt provide the correct bodily injury coverage that I previously had with Travelers to Esurance when I filled out their online application and as a result they were going to immediately raise my premium by over 37%! By mistake, I placed what I wanted my new bodily injury coverage to be not what it currently was with Travelers. With Travelers I had 25,000/50,000 and I wanted to increase it to 100,000/300,000 with Esurance. By mistake I selected 100,000/300,000 when I filled their online application.

Esurance told me this impacts how much they charge for the insurance premium. Why would an insurance company care whether I had more or less coverage with my previous insurance company? How does this have any factor in determining how much to charge somebody for their new insurance? This smells like a bait-and-switch where Esurance lures new customers with unrealistic prices then after you sign-up and give them your money they immediately change the price on you. I realize insurance companies have 60-days to change the price when additional information is discovered.

Typically, if you had speeding tickets or DUIs they uncover, I understand they are entitled to raise or cancel your insurance. But to immediately raise my premium for something that seems trivial seems very fishy. Had I known that they were going to charge me what they wanted at the end I would have never went with Esurance. I immediately cancelled the policy and went back to Travelers and await my refunds from Esurance.

my accident occurred on Nov. And yet~ i still did not get the check from them. It was a very simple accident. the car behind me hit my car. my car was damaged, but they did not let me have the rent car. It is impossible to talk to people in this company. Worst of Worst...

On April 4, 2007 I was rear-ended by on the freeway by a hit and run driver who was insured by Esurance. They were travelling 80+ MPH when I was hit. I was travelling about 60 MPH. I was rammed into the center divider and my car was destroyed in the accident. I was taken away by ambulance with a severely sprained back and was disabled for several weeks. Esurance acknowledged 100% liability. However, they refused to pay any of my medical or other accident related bills at the time and for over a year after that.

They insisted that it was my responsibility to pay all of my own medical bills and other expenses and that they would offer a settlement. Their offer was unreasonably low and amounted to approximately $267 above and beyond my medical bills, lost wages and other expenses. Esurance maintained an completely unreasonable and unsympathic posture during the whole ordeal. At one point, they stopped communicating with me altogether. I was absoultely devastated at the way they treated me. I then filed a complaint with the California Department of Insurance in the hopes that they would make them act responsibly. That turned out to be a complete waste of time.

As far as I am concerned the California Department of Insurance is an absoutely useless, mismanaged bureacracy that allows companies like esurance to get away with the things that they do including fraud. That's probably why there are so many absolutely incredible stories stories on your website where people just get ripped off. The California Department of Insurance refused to answer any of my questions as to whether or not esurance had the right to force me pay my own medical bills and other accident related expenses (including finance charges) and whether or not they were breaking any rules by making an unreasonably low offer.

They also dragged my complaint out over an entire year and failed to respond to several of my e-mails or return my phone calls. The representative at the Department of Insurance that I was working with stated that they were too overloaded and underfunded to handle my complaint and that it was not unusual to take a month to respond to my enquiries.

To complicate matters even further, esurance produced a back-dated fraudulent letter to make it appear that they had never broken off communications with me. The claimed to have sent it by certified mail, but no such record was found. There was plenty of other evidence that they had back-dated the letter also. I then asked the Department of Insurance fraud investigation unit to investigate for fraud but they refused and also do not respond to my e-mails. All I can say is that I have lost all confidence in our insurance system including the regulators as well.

There are no checks and balances. I eventually ended up having to settle with esurance because I just did not have the staying power in this economy and because I did not want to ruin my credit rating. I lost money considering all of the time, effort, pain, suffering and hassle of the whole ordeal. Conclusion: Companies like esurance get away with all kinds of things because the regulatory agencies do nothing.

My wife was insured through eSurance, I had a company vehicle and insured through them. When I changed jobs I no longer was insured and when I checked costs for adding me to the wife's esurance auto insurance policy and with starting a new policy with Geico I found Geico to be almost $1000 a year cheaper! The best part is when we contacted eSurance to cancel the policy, and told them why, they slapped us with some hidden early cancellation fee of $50! Can you imagine their arrogance! In times like these slime like esurance should be jailed!

Forced to pay previously undisclosed early cancellation fee of $50

my car was hit from the back on the highway three weeks ago. The person at fault was given a ticket and his insurance company (ESURANCE) is suppose to take care of the damage to my car. I called them four times and left voice mails. Fifth time finally the insurance agent picks up the phone and tells me that she is investigating and let me know when she has an update for me. I ask her to give me a timeline and she tells me she will let me know when she has an update. Its been two weeks since that last conversation and she has not responded back. My rear bumper is still damaged and I have no clue about the extent of damage to the car. My thanksgiving weekend got screwed up. Esurance is not ready to do anything about it.

The other person hit me from the back on the highway.

I purchased a 6-month policy in March, 2008. On October 23, Esurance sent an e-mail stating that my policy was up for renewal on December 9, 2008 and that I would be contacted 5 days before the money was taken from my account. On SUNDAY, November 30, $358.90 was debited from my account. I did not authorize this. I did not receive the 5 day reminder. I also do not have my money. I have cancelled the policy, so now I am out of the money and the insurance. Esurance claimed they were processing my request on Sunday, 11/30, again on Monday 12/1 and, again this morning, Tuesday 12/2, I was smugly told that it could take up to 30 days to get my money back!

Everybody knows what's going on with the economy and almost everybody I know is living paycheck to paycheck. This stolen $358.90 has prevented me from buying groceries and gas. When I do get paid, more than $300.00 in overdraft and insufficient funds fees will be taken from my paycheck while I am forced deeper into this hole, waiting for my money to be returned. I have not slept since Sunday. I can't believe how stressed out I am over this. I can't believe it is legal, or ethical for companies to get away with this. I wonder how they sleep at night.

I received a quote on-line that included bodily injury coverage which isn't required here in Florida. So I called an agent who said I cannot decline Bodily Injury Protection. I asked the agent if he was sure because I have in the past and was told thank you and transferred. The second agent said she couldn't help me and transferred me. The third agent said I indeed could but I would have to purchase the policy, send an email declining bodily injury coverage, and receive a refund for the Bodily Injury Premium. The agent on the phone gave me a higher quote than I had received on-line. I declined and stated I would purchase the policy on-line.

When I opened the saved on-line quote the premiums had been changed. The Bodily Injury Premium was decreased and the Property Damage Premium was increased. I then started a new quote and sure enough the premiums were back at the original quote level. I purchased the new policy quote. After payment I immediatly went into my account to review the policy. The premiums had been changed again. The Bodily Injury (coincidentally the one I asked to decline) decreased from 329.78 to 188.00. The Property Damage increased from 156.00 to 297.78 making the policy and quote totals identical.

I called an agent who stated the policy quote I purchased didn't change and she could only submit it for review. Fortunatly I took a screen shot of the quote before purchasing the policy so I had proof the prices did change. I asked her to cancel the policy if Esurance would not honor the quote I was given. She stated she couldn't cancel the policy for 60 days without just cause. I think just cause is giving a policy quote and then changing the premiums after the customer purchases the policy. The policy quote I was given and accepted was changed after payment was received. It is absolutely unethical to change the premium amounts to offset the loss of the customer dropping some of the coverage. I then went back on-line and got new quote. Bodily Injury is back at 329.78, Property Damage is at 156.00.

I am sick an tired of the cost quoted to me. Entirely to high. You need to consider making a cost just for the employers but the employees. A cost in the range of 80.00 to 100.00 is a good cost for health insurance not 500.00 900.00 a month. This is silly and needs to be stopped. Congress will be notified about you over charging for health.

Esurance issued me a 6 month policy back on July 13th, 2008, renewal date of November 15, 2008. The rate on the July 2008 policy was substantially lower then the new rate, even after continuous insurance coverage, and a perfect driving record. The policy was then billed, without my consent or notification on November 4th, 2008. After shopping for groceries this afternoon, when I went to check out my purchases, my card was declined. Is there any way I can get a court order to subpoena email records of notices they supposedly send out?

Insurance companies I thought were REGULATED more exclusively because how policies are rated, and rates change over time, and consumers need to be informed on way premium amounts change. Currently I have overdraft fees of $130 because of the $696.00 policy charge. The CSR also indicated that it is standard to pre-pay 10 days prior to your bill renewal which to me is fine print fraud, as there is nowhere that clearly indicates this.

Total bank charges and fees are still unquantified at this time, and are still being added as I did not find out about this till today when my debit card was declined. I will not be able to afford car insurance till I get my banking issues resolved and able to afford it again which puts consumers like me in a disadvantaged position in addition to the current economic impact it may spread over a serious of months as I reconcile my charges.

In addition this may have a negative false impact on consumer credit ratings as that these days is imperative and standard practice to use credit scores in obtaining future car insurance. So Esurance's financial practices has compounding negative impacts on consumers, therefore falsifying in advertisements that they are consumer friendly. Esurance is also uses a bait and switch illegal practices, baiting consumers with low intro rates and then (even with PERFECT driving records) raise rates uncomparitively from the previous policy rates to something very different. PLEASE BUYER/CONSUMER BEWARE WHEN PURCHASED ESURANCE AUTO INSURANCE.

I bought a six month polcy and agreed to only a six month polcy but after six months they decided to renew my polcy with out my aproval in the contract esurance has all there clints sign no where does it state about revoling coverage , without approval! after two hours on the phone no one could explain this leagal loop hole . they told me that they sent me an email stating that my coverage would roll over unless i called and cancled it . but i never gave perrmission for them no roll it over . no where does it say anywhere in my contract or anywhere on there site that ploicy roll over?

They debited my account for money that I did not authorize, and would not give the money back, which resulted in overdraft fees, they also raised my nephew insurance from 600 to 1800.00 because he did not give proof of insurance, when he was a new driver and never had insurance previous to that.

I have overdraft fees, and stop payment fees and Im out 300.00 for insurance that I never had??

I signed up with esurance for auto insurance on jan 31 2007. They billed my credit card every 6 months for 18 months. On july 6th 2008 an esurance representative called me to advise my credit card payment was rejected. I had cancelled the card a month before due to a dispute with the bank. I called back on July 18th and gave them new credit card info to bill. They never billed the new card and cancelled the policy with no notice to me on July 31, 2008. I received notification from DMV 30 days later and after going to various levels of management, Esurance refuses to reinstate the policy.

Because the lapse was greater than 30 days, I have incurred penalties from DMV and a difficult time getting any other insurance company to write me a new policy. This is extremely unfair in lieu of the fact that Esuarance readily admits the had new credit card info to bill prior to cancellation.

Esurance underwriters sent me an email telling me that they had information about two other drivers possibly in my household and that I needed to provide Esurance proof of those drivers' car insurance coverage or file an exclusion form regarding these drivers, otherwise Esurance would alter my policy as they saw fit. I emailed the underwriters asking where they got their information from about the drivers they named but they only replied with the insistence that I had 14 days in which to prove insurance coverage for the drivers in question or exclude them from my policy.

I emailed them back to let the underwriters know that I had no intention of providing Esurance with proof of coverage for those drivers, that their request was an invasion of privacy of those individuals and since I had not added them to my policy, Esurance could not legally alter my policy to reflect these drivers and if they continued to pursue the matter then I would cancel my policies with Esurance and send a complaint to my state government's Department of Insurance.

One final email from the underwriters insisted I comply with their wishes, so I canceled my policies and sent copies of the email correspondence to the Department of Insurance. I am still waiting for a response from the Dept of Insurance, and I found an another insurance provider who charged me half of what Esurance was charging me.

As a consequence, I am out $50 for the early cancellation of my policy, although they did reimburse me the balance of what I had paid for the policy term.

I got insurance with Esurance about 6 months ago because they were the cheapest for me. I started shopping in July for another insurance. I was looking to see if I could get anything cheaper. I found it cheaper with Liberty Mutual. I called Esurance on August 1st. (My policy expires on Sept. 2) to cancel my insurance effective August 27th 2008. They assured me it was done and taken care of.

Well, what happens? they deducted 679.00 from my bank account on August 25th 2008. I was livid. I didn't expect that money to come out since I had cancelled my insurance back on August 1st. I called them and they said they didn't have a record of my call. (yeah right) I told them I had a record of it and I do with my cell phone bill. I told them that I had cancelled the insurance and I wanted my money back. They told me it would take up to 5 days before they could refund my money and that they were charging me a 10% handling fee. That was their policy. I was really upset at this point because they made a mistake NOT ME! No one would give me straight answers.

I talked to many different supervisors and the best I could get from them is that it will take 5 business BEFORE they will issue a refund. I asked the manger that since they took the money out on Monday then they could refund it on Friday? I was told "Oh no. Doesn't work that way." They issue the refund on the 6th day which is Saturday, but they are not open on Saturdays therefore it will be Monday before they issue the credit but oh wait Monday is a holiday therefore it will be Tuesday before they issue the credit. I went to my bank got all the appropiate numbers showing the money had cleared my account but they didn't care. They REFUSED to refund my money before Tuesday September 2nd. Therefore my checking account has to sit in the negative until they decide to refund my money all because they made a mistake.

And to top it all off, when I paid them the first time by check, I asked that they NOT debit my checking account when the policy was due to renew. They did an unauthorized charge to my account and I have to pay for it. Obviously they take the money out of your account immediately but will not refund it immediately. I would not recommend doing business with these people. If you ever have a dispute about your money, you will not win. No matter what you say or what you do, you will be at the mercy of these people and they will refund your money when and if they want to.

1- My quote was $ 896.00 with Esurance 2- Very bad customer service: impolite and unfriendly attitude. In the other hand,with Geico: Very nice and driendly attitude, and my quote was $375 with Geico. so I 'll recommend Geico to my friends, family, my students and coworkers. and the customer service protection...

I had to get SR-22. I see Esurance's quote is about $1100 cheaper than anyone else's offer. Well, when I buy, they told me that they cannot electronically file proof of financial responsibility with the South Carolina DMV, and that they would have to mail a hard paper copy. Well, ok. I wait, and wait, because I cannot get my license back until the SR-22 goes through, so I call the DMV every day and ask if it has gone through yet.

After about 2 weeks of waiting, I call Esurance back, and the guy tells me that I have to pay the entire premium before they send proof of financial responsibility. Well, that's fair, but why did they lie to me in the first place, and just tell me that I have to pay the full premium to begin with? That was three weeks of lost work time I wasted because they lied to me. I don't mind doing it all at once, if they're just honest about it.

First of all, the representative was very rude and she was also annoyed of the fact that I was canceling the insurance in spite the fact that I told her that esurance did not have authority to withdraw money other then the agreed deposit of $302.91 for my policy that was set to about $848 every 6 months. Without notification esurance withdraws another $948.42 within 2 weeks.

And this was not the end. I asume that after reading this message esurance went into a revenge mode and reported to the NJ DMV that I had no insurance so my license is going to be suspended if this is not rectified. First, esurance does not or can not know whether I have insurance or not to make a report like this to DMV, and second why is it that if someone complains against them they are retaliating? Is this their interpretation of customer focus? I guess that could be their interpretation of customer focus. Their way or the hard way.

I dont care of what Esurance claims of been customer focus, but this website the people that reported here and their actions (Esurance actions) speak louder then mere statements of 80% customer satisfaction and focus. Maybe hey could explain to us here who in their right mind would accept auto insurance payments of more then $300.00 in less then two weeks or $948.00 monthly payments on a car that is worth less then $1000.00? AVOID ESURANCE AT ALL COST.

The result of their actions was that I was charges with bank fees and late paiment fees from my bank and landloard. I had to stay home next day in order to get a new insurance policy, ( Of-caurse from another company) so I lost $450.00 in pay. THANKS YOU ESURANCE I wont forget you.

I got a quote from them and it was an $848 every 6 months. I made my deposit using my debid card and got the ID cards printed through the web. A week later I received the ID cards esurance mailed to me via postal mail. The next thing I realised was when I went to check my bank account and realised that esurance was withdrawing a $948 for a monthly payment and after loging on to their web site to check my policy I see that they increased my policy from $848.00 every 6 months to $3798.00 every six months.

I called and I canceled my policy and when I called them to ask them for a refund they told me that I would have to wait from 2 to 3 weeks for the refund check to come. Because of this unauthorised withdrawal from my bank account my Rent check was bounced and i had to pay a $35.00 bank fees and another $35.00 to the landloard for a return check fee.

I was going south in the center left hand turn lane . When the signal turn to a green left turn arrow I started to go. I crossed the traffic that was stopped. When I passed the traffic that was stopped a car hit me broadside. The girl that was driving the car said that the brakes failed on her car. She didn't say ,but I believe that she went into the empty turn lane to keep from rear ending the cars that were stopped. I didn't see her because the cars that were stopped were blocking my view her lane.

When I talked to the esurance representative the first thing that they did was record my description of the accident . Then they record me agreeing to settle for medical damage. Then they said they would pay a rental car until my insurance settled for collision. They never mentioned liability for my financial lose to get a replacement used car. I WOULD LIKE TO TALK TO AN ATTORNEY ABOUT THIS.

My car was old 1986 ford escort. My insurance Farmers paid me $132 for collision with deuctable. I bought a used for $4400.

I used online system to obtain quote. I entered my information along with my husband's information and amazingly the Driver's license fields were automatically populated. They gave me an initial quote of 612.00 every 6 months. I continued entering the information requested. I received a pop-up screen from Choice Point that showed an accident that I had on 12/14/07, immediately following the quote changed to 756.00 every 6 months which is fine. Esurance takes last 5 years into consideration, most others only 3. I printed both quotes.

The next day I received a call from Denise Dean with Esurance who asked how I liked the quote. I replied by telling her it was middle of the road. I mentioned the accident and she said that my rate would no longer be 756.00 every 6 months. I explained to her that the 756.00 was the final quote once they took the accident into consideration. She denied that they even knew about the accident and that their system would not have shown me that information. I guarantee you it did! She then tried to get a credit card number so that she could run a DMV check...I again, reminded her that their 'Choice Point' already did that, thus the reason for the 2nd quote. She continued to try to get my credit card number and I refused. She said she could not go any further. I said fine, I would continue to look for rates elsehere.

Low and behold, I get a call from my husband. Denise contacted him (based on the information I provided when submitting for a quote) and she told my husband that I told her to call him to get our credit card number! Crooks, is all I can say. It's almost as if they are part of a fradulent scam to get your credit card number and not in the insurance business at all! Needless to say, I will not be doing business with Esurance.

Fortunately, we caught on before being ripped off.

I have read all these complaints. Well I'm a customer of esurance. So far my issues with them are minor. I went a few years without a car and when I obtained one, I went with esurance. When I signed up (Internet) for my policy, I wanted the premium to be deducted from my savings account and filled in the form for them to do that. Well, unbeknownst to me - a couple of times I had bounced checks and couldn't figure out why. Finally after a few months, I learned why. Somehow they had managed to be deducting the money from my checking instead of savings. I thought about calling them to get that fixed, but decided that I didn't want to risk having them accidentally cancel my policy.

The one thing that I still have a problem with them about is that they refuse to let me set a billing date. They say they don't offer that. Had I known this when I signed up for the policy, I would've arranged to have the effective date about the 5th of the month and would've had my brother let me keep the car on his policy until that then (I bought it from him). My problem is that I'm a state employee (Mississippi) and we get paid on the last business day of the month. So, the billing date matters to me.

A couple of months ago they ran the draft through and it bounced. A few days later I did get a call from an esurance rep about it and I once again told him about needing to set a specific date. He told me that they are working on providing that. I changed to having the billing go against my debit card and he told me that if they can't get an authorization on the date the premium is due, they will automatically try again in 5 days. So far, so good. If I ever do decide to change carriers, once it's done I will go to my Credit Union and have them cancel my current debit card and reissue me another one so that esurance can't continue to charge me after I cancel.

I don't know how much money is involved - less than $50 probably.

My son obtained his driver's permit and they quoted me an additional $378 per month to add my son to my policy. I told them I could not afford that amount and I sent them emails telling them I did not authorize them to add him to my policy, would seek other insurance and told them to cancel my policy. They attempted to deduct the money from my account 4 times, all the while I sent them emails informing them they did not have the authorization to change my policy or deduct the money from my account. I was laid off and informed them I did not have the money to pay the $476 they were attempting to deduct. They sent me a cancelation notice, and then two days later deducted the money from my account and sent me a reinstatement notice.

I do not feel they had the right to change my policy and then deduct an amount from my bank without my written authorization. I specifically instructed them to cancel my policy and not to deduct the amount from my bank. Upon going to an insurance agent, I was informed that they have many clients that have had similar problems with Esurance. I will never do business with insurance companies over the internet again.

There was not enough funds to cover the amount they deducted from my account, resulting in $145 in nsf fees with my bank. I felt threatened that they would continue to charge my account, so I opened a new account to avoid any further non-authorized deductions.

I recently visited the Esurance web site and got a quote that would save me money on my auto insurance. When I went to buy the plan it told me to call the 800 number and speak to a customer service person. After giving them my debit card info, they proceeded to help me buy the policy. But at the end, the price was about double the amount quoted (more than I am paying with my current provider). I told them that I did not want the policy that I was going stay with my current policy. The next day I get an e-mail thanking me for purchasing the policy. I called them to cancel the policy that I never wanted in the first place. Today I received an e-mail saying that the policy was cancelled but an hour later I received an e-mail saying that the policy was reinstated. Is this happening to a lot of customers and how hard is it to cancel and get refunded for something I told them I did not want purchase in the first place?

Charged $389.76 to my checking account resulting in nsf fees.

We put in a claim to Esurance because a driver insured through them, ran a red light and pretty much tore off the entire front end of our car. We have made calls to them on several occasions and even since the initial claim have had to 'force-feed' them information that should be their job to collect. Esurance is still delaying this issue as I write this. We've had no help from our insurance company (Allstate), and inline with many of the other statements made on this website, Esurance has done their best to string this out. Repeated calls (I actually did talk to someone) had yielded no results until they found out how much the towing and storage of our wrecked vehicle is costing them.

Anyway, lessons learned: Esurance seems like nothing more than a slime-ball insurance company with slick ad campaigns and a propensity for questionable drivers. Don't think that your insurance company is going to do anything 'extra' for you (even if you have been with them for years). Figure on getting a lawyer if you are on the wrong side of an accident.

Still waiting (1 month) for an answer, repairs, estimates or for our car to be auctioned off while Esurance drags their feet.

I'm out a car, I'm out a car seat, I'm out a stroller, I'm out towing and storage. All in all close to $15K!! If this isnt resolved by the end of the week I'm going to BBB, the news channels, to everyone everywhere willing to listen.

I was involved in my first severe automobile accident where an Esurance client hit my car by making an unsafe left turn. Facts of the incident: 1) Esurance client made a left hand turn through an un-lighted intersection. 2) Esurance client did not check for on-coming traffic before preceding though the lanes of traffic. (3 lanes) 3) Esurance client violated my right of way and the traffic police officer cited only him for the entire incident. 4) Upon notification of the incident to Esurance, they are claiming that they are only 90% responsible for the accident. 5) My insurance company, Geico, disagrees and feels that they are not following correct guidelines and could be trying to intimidate me into accepting some blame in an effort to save money. 6) I was informed by Esurance that the traffic citation was not a factor in their review and that I now must pay for 10% of the accident even though I was following the rules of the road. 7) Several witnesses stopped and provided testimony that he was completely at fault for the accident. I would like to know if I must accept the 90% claim offer or if there is a review recourse that I have in regards to this situation. Your help and guidance in this matter is appreciated. If you require more information or documentation of these events, please let me know. Thank you for your help.

The consequences of the accident will be formally reviewed and disclosed sometime this week. I expect a full and total loss of my vehicle as frame and engine damage occurred as well as both air bags deployed. Both parties involved in the accident were physically hurt, but not severely enough to warrent a hospital visit.

Esurance claims two of my clients have signed a waiver denying their rights to Personal Injury Protection in their car insurance. In the state of Washington, by law a company has to receive a waiver with an actual signature that clearly states what they are signing away. The company cannot produce this hard copy, and yet they continue to deny PIP to my customers. They are refusing to pay me, the Massage Therapist, for the work I have done. The hard copy Esurance did produce was a typed waiver that did not explain what Personal Protection Insurance is, and it only had on X marked next to the claimant's name. In both cases Esurance claims the insurance was waived on the internet.

Yet according to my clients, they had no knowledge of denying this. In fact, one had requested increased PIP amounts. Esurance also informed the other that she had waived under-insured motorist protection. Again she had no knowledge of this, and in the state of Washington it needs to be signed in person with full awareness of what they are signing away. Please look at how many PIP claims are paid by Esurance in the state of Washington.

PIP is what pays your medical expenses when in an accident whether it was your fault or not. It also covers loss of wages and services rendered. If people are being refused medical care because they cannot pay out of pocket and are told they are not covered, the long term consequences are horrendous on the physical, economic and emotional level.

My premium has changed six times in the six months I've been with esurance. I've provided about a hundred documents, and I've spent way too many hours with this. The original solicitation I received from esurance was to save me about $300 per year but now, as of my last statement it's actually a $200 per year increase from my old provider, Electric Insurance. Since I've not had any claims, and no citations to alter my original quote, I'd have a very hard time recommending esurance. At best, it's been poor Customer Service but I'm considering making a complaint to the Insurance Commissioner regarding deceptive advertising practices, in my case.

I signed up for a policy with eSurance. They originally quoted me a little over $500 for 6 months, but once they ran their check, it went to over $800 per 6 months. Their stated reason was an insurance credit check, but I have excellent credit (700+ score) and no points or accidents on my drivers license.

I asked them about proration and cancellation fees repeated before agreeing to the policy via telephone on a recorded line. My intent, given the high rate, was to get another policy and cancel quickly, but I needed that policy immediately as I was out of time. The telephone rep assured me that any unused premiums would be refunded on a prorated basis to the day and that there were absolutely NO cancellation fees at all.

I found a much better rate and canceled my eSurance policy. They then said it would take a couple of weeks to get my prorated refund put back on my credit card AND stated there would be a $79.21 cancellation fee! I told them that their representative assured me that this was not the case on a recorded line and asked them to check the recording. I was then informed that recorded lines are only used for training purposes.

It was then the I realized their run around and crooked ways. This was no accident. In my opinion, they have unfair business practices with their consumer public.

They used a bait and switch along with using their early termination rules to keep me tied to them. They told me by phone and email that the difference of my policy change was one price, then took a lot more than agreed out of my checking account. If I cancel because I don't like being overcharged, well guess what, they get you with their early termination rule.

In June 2007 my mom asked that I make a payment to esurance for her because she did not have a checking account but needed to pay her auto insurance. The payment that I made was for a six month period. I had it deducted from my debit card which is linked up to my checking account. Never did they have a problem in the beginning that the debit card and the insurace names didn't match up. I rarely check my email but apparently they sent me an email telling me that they were going to automatically deduct another six months worth of payments. I never would of seen this, however, I received three bounced checks from my bank.

As I looked into it further I saw that esurance withdrew money from my account without my permission. In fact, today I called to talk to them about them withdrawling money from my account but they could not talk to me because my name is not on the auto insurance policy. The thing is my debit card and the auto insurance do not have the same name. So from what I can tell they can take money from my account but they can't talk to me about it. I had my mom get on the phone and the lady on the phone told her that if we cancelled the insurance prior to the 10th they would charge us a $50 cancellation fee. From what they told my mom they put in for a refund but it could take up to 12 days to show up in my account. Never did I sign anything saying that they could automatically deduct money from my account.

On November 16th 2007 my husband was in an accident. For 4 days now we have been given the runaround on when an appraiser is going to be looking at our truck and for 4 days now we still have not received authorization for our rental car. They are promising again that today someone will be going to the body shop to view the damage on the truck. They are refusing to authorize us a rental vehicle claiming we declined that coverage when we opened the policy. The only coverage I declined when I took out the policy was for custom work done to the vehicle. I requested rental coverage at $30.00 a day.

I went to add a new car to my Esurance policy. After going through the process and getting it added I was switched to a licensed agent who informed me that my current truck was no longer insurable. The reason given was its weight and it was considered a work truck. It has never been used for work a day in its life, and they say I have to remove it--it will no longer be covered. I will get another insurance company, of coarse.

This leaves me with out of pocket expense, starting a new policy, and lack of insurance in the meantime. I think Esurance is the worst insurance company ever.

I called esurance on the 28th of october to cancle my policy with them cause I no longer live in michigan so I called to cancle & get a virginia beach quote when what they did was charged me money for what i thought was a quote when turns out they sneekishly added a driver to my policy & took more money from me.

I cancelled my esurance policy sometime around the beginning of October. I had said I wanted to the cancellation effective 1125 (which I was payed up until.) I was assured that no more payments would be taken out. (in fact I called 3x just to make sure)

No sooner, 10/26 I was charged...not only once, but twice. They had gone and taken an electronic check, and unauthorized debit ( I had payed with once for a ONE time payment. Guess they save ALL payment info.)

I went down to my bank and tried to put a stop payment on them. They had told me they could only stop the e-check and that I was liable for the debit.

I call esurance and they apologized for the computer glitch and said they will refund me in 7-14 days!!!

2 days later I get an email for a policy renewal. I again call them. They tell me the agent accidentally checked me for a renewal!

Anyway it is now Nov 2., 2007 and I am still awaiting my refund of the $130.26 they were never supposed to take!
Maybe they should take some of that money they spend on their stupid Erin Esurance commericals and hire competant employees.

They messed up everything. This money I am waiting to get back is my grocery money. I am low on diapers, formula etc. They do not understand that some people are on very tight budgets! I wouldn't wish this company on anyone.

I had a policy with esurance. I called to cancel it, and the rep told me that they would not take any more money from my account. The next day they took $190.21. Nathan at Esurance, said the rep misinformed me, and he was going to process the credit right away. I called today 9/29, and still have no money returned to my account. Now Crystal @ Esurance now says that it will be the 31st before they can process my request.This is wrong; they were not supposed to take it anyway. Now they wont give it back until they are ready.

That they took nearly $200 of my working capital makes it tough on my budget, and they caused two overdrafts.

We are in the middle of a claim for 2 of our vehicles for almost 2 months now. One of the vehicles worth $190,000 caught on fire in the middle of the night burning entirely and also catching another $110,000 vehicle parked next to it. We contacted Esurance immediately and complied as requested. Our claim specialist was replaced by another specialist, which gave me totally different information than the first one.

The first claim specialist said that someone would come out to the property to view the damage caused to the driveway and garage to fix it.

Well the second claim specialist told me a week later or more that our claim didn't cover the damages done outside the vehicles. This representative is stupid or does a pretty good job at acting like one.

Everytime I inquire on status she responds 2-7 days after and completely evades the subject of my inquiry and answers with 'investigation in progress'. The vehicles were towed a few days later from the incident at no point did ESURANCE send a representative to inspect the vehicles at the place of indicent, their inpector looked at the cars at the tow yard.

In my opinion, isn't this poor investigative practices? Anyhow, little did I know that each time I was told that investigation is in progress, it meant that they were investigating ME through previous and current business associates and had someone taking notes outside my home each time I came in and out. Spreading my business around to the persons they speak with. In addition, they investigated relatives who were not even on the policy. They are ridiculous and absurd. Oh, and Esurance still has not told me the origin of the fire, until their investigation is complete. Get out while you can!

I was quoted a $74 a month rate online. When I called to enact the policy they pulled my credit and checked my driving record. At that point the price had doubled!!!

I own a mortgage brokerage business and I know more about credit scoring than most. My credit score is 740+ and my driving record is flawless with no violations in the last five years, no DUIs and zero accidents in my life. I have zero late payments on anything in the last seven years.

A manager tried to explain some bogus insurance-based credit scoring that they use. I asked him point blank if I didn't qualify for the rate quoted online, who in the world would? He told me honestly that probably no one would. At this point I asked him to email me the criteria a person would have to meet to qualify for the $74 a month quote. I am still waiting for that.

They are a classic bait and switch entity. Advertise a price that makes the phone ring and then try to justify why YOU don't qualify for what they advertised.

This morning around 11:20 am on Thursday September 20th I called Esurance to purchase insurance for a vehicle that I purchased. I spoke to a woman called Cindy. She sent me a quote of 540 dollars for six months. She also advised me to pay a fee of 185 dollars to purchase the policy. She asked if I had a credit card, so I gave her my visa.

I sent a copy to the DMV of my new insurance. I also sent another copy by express mail to a future employer. That cost me 16 bucks. Than I decieded to call the finance company which gave me the loan for the vehicle to let them know that I finally got insurance. They advised me to call my insurance company to let them know if it showed that they were the lien holders on the policy. So I call Esurance to ask them and the lady tells me that my premium had doubled from 540 to over 1000 dollars.

I canceled my policy 30 days early because of the sudden increase in rate from 386.00 a month to 526.00 a month. I have reviewed my policy papers thoroughly and NO where in my policy does it speak of a 50.00 cancellation fee. So what have been a 50.00 refund to me with the rest of the premium (a total of 145.00 approx) is now only 90 odd dollars. I pressed about it not being in my policy and they could not explain. They had three good years of nothing but me paying a premium as Chris Rock says, in case something happens and nothing ever happened!

The policy for my wife and I (1 vehicle) was already outrageously high, $130.00/month (no violations, no claims, EVER). Well, our daughter got her Learner's Permit and the following month Esurance deducted an additional $200.00 (on top of the regular $130)to put her on the policy.

I called another insurance company (The Good Hands People) to get a quote and they told me that I do not have to add our daughter until she gets her actual driver's license.

I called esurance back to find out why they added her without our consent. I was told that that is a company decision I asked her where I could find this company decision, where was it on my policy?, where was it on their terms of service? Where could I find this company decision anywhere IN WRITING? After being on hold again, I was told that their Underwriter had sent us an email last month with that info.

I opened a policy with them then cancled when i found a better deal. but they still charged me and over drew my account and now they are giving me the run around to get my money back. thanks to them i an not over $500 in the hole for a $350 charge. and i can't even get the same person on the phone twice.

My wife and son were involved in an accident in 2005. My wife's vehicle rolled multiple times and Esurance insured at fault. No question on liability. We complied with every request they made. After trying to the resolve claim, filing a complaint with CA Dept. of Insurance and almost two years later, we had to retain an attorney. We had two claims reps and a claims manager assigned to our case. Is this a tactic to delay settling a claim or to allow the statute of limitations to run?

I have been a customer of esurance for over a year and everything is great until you file a claim. My 2006 Land Rover Range Rover was stolen from my driveway on January 20, 2007 and two months later - I am still without the car and still have a car payment! I have cooperated in every imaginable way with esurance's request (telephone recorded statement, video recorded statement, examination under oath, etc., etc.,) and esurance has still not paid this car off.

I was told by Esurance that my gap insurance would cover the remainder of my loan with Chase Auto Finance. They only paid a portion of the loan which was about $18,000.00 and that left a balance of about $2,700.00 which has yet to be paid. It was my understanding that when I processed the extended warranty refund paperwork with the dealer I purchased the car from that Esurance would promptly pay the remaining amount to C.A.F. at that time. I turned in that paperwork over a month ago and now Esurance will not answer my E-mails or my calls.

I am still receiving billing notices for my car that is no longer in my possession and I have another car payment to make for my new vehicle.

I was quoted an amount per month that later turned out to be about 10% higher than originally quoted. At the time of quote all information was provided. I had just moved to MN when I signed up for their insurance as my old one did not offer service up here. Calling them asking why they increased my premium did not go anywhere. In fact 3 out of 4 supervisors I talked to did not even return my call. Esurance customer service is horrible - I finally ended the policy with them.

I was told that I would get a refund back onto my credit card. I am waiting for this now over 3 weeks. I called them only to find out that they can not refund to a debit card, which my card is. No one ever called me to ask me what to do. When I spoke to them today and voiced my opinion on that, he said "we are an internet company, we don't make much calls out" - well I said, I did not get an email about the problem either.

After 6-month-long investigation of my stolen vehicle, hundreds of phone calls that I repeatedly had to make to them each week because they do not return calls, I still am out of a vehicle .The settlement that they offered was ridiculous and insulting. I have to get an attorney in order to get the proper value of my car. I wish I had visited this site before purchasing the policy.

Esurance thanks for all the headaches because that’s all I've received from you. My money for my rental car that you have to pay out of pocket has yet to be reimbursed 7 months later; I have to hire an attorney to get what I am owed, the total headache and hassle of having to fight for what’s lawfully yours.

Billed my credit card after the initial quote. Kept saying they did not recieve additional information. Once they have your credit card you are at their mercy

Charged $61.95 to my credit card

My husband bought esurance insurance for our cars and after having read some scary consumer reports we decided to ask for a refund. The customer service with this company was impressive: very kind, knowledgeable and considerate. Even after the refund check came and went through the wash, we called for a second check (more than 60 days after the first was issued) and kindly received one within a week. I don't know how they handle insurance claims, but they were very honest and helpful in our dealings with them.

I have been having a bill problem just now too! I and my fiance has been a loyal Esurance customer for over a year now. However, in the past 5 months or so the billing has been increasing for no reason. I was told twic within about a 6 month period that my policy is renewing...how?...it hasnt been 6 months so how can it renew???

Every time they said it renewed our rates went up like $150 or so for a six month term and about $10 to 20 each month! We raised our coverage cuz the person we talked to said it would be cheaper than the minimums since we were also adding a newer car and dropping an old one. I am going to call them today and see what is up. I have NEVER had this prob. with other insurance companies. I thought it was such a great company, but it seems all the quotes are always less than what they charge too. It is getting rediculouis, I cannot afford this darn rate hikes every few months. WE have had no accidents or anything to raise the premium either.

Consequences? Running out of money with an insurance co. that claims to be sooo much cheaper! With the 30% down and crap when you sign up and anytime u change ur policy details they charge you another 10% in advance. This is crazy. What is up with esurance???

I was quoted $829 for a six month policy. The rep ran all the reports she needed and I signed up.

I specifically asked if anything else would increase my rates and the rep told me "No". However, within two weeks they raised my rates THREE times! My premium went up to over a $1,000 for 6 months!!

6 months of coverage and then renewal raised 30% for no reason. Esurance claims its a state of emergency. What does that mean?

I purchased an Esurance policy in March 2006. I was told upon the 6 month renewal that there were forms that needed to be completed. I was only told this after an unathorized amount of money was taken from my account. $25.44 to be exact. After I completed the forms and faxed them back to the company I was charged an additional $100.37, I was told this was for renewal. I then demanded that the money be placed back into my account, I was told that was not possible, that it would be credited toward my next bill. At this point after many calls, about 4-5, I hung up the phone frustrated and confused. I was also out $125.81.

After 17 days on 8/25/06 I made another call to Esurance to discuss the same billing matter, trying to find out what my Sept. 2006 payment would be. I was then told that it would be about forty dollars. When I requested to have a specific dollar and cents amount quoted to me the request was denied. I then told this young lady that since I could not be provided accurate information that I would like to discontinue my relationship with Esurance, and cancel the policy. I also noted that I wished not to have any more money taken from my checking account. It was then that I was informed of a cancellation fee of $50 for cancelling a policy mid-term. Keeping in mind that the policy term isn't effective until 09/04/2006? Im confused and frustrated and out $125.81. After numerous calls and no results I am at a dead end.

I am out $125.81 so far.

I added a new vehicle and dropped my previous car from my esurance policy. I was on the installment plan prior to the change in vehicles. The next day I find out they have debited my bank account for the full amount.

I was kept waiting on the phone for 45 minutes, then finally after asking to speak to a supervisor I was told they would call me back, which they never did. I am going to contact the attorney general for the state of Florida and see if what can be done about what I think are Esurance's deceptive business practices.

I had been with esurance for a year with no problems. They never charged me a higher premium than quoted, or any of the other stories that I have read. However, when I called two days ago to see if I could switch to monthly payments instead of the six months at a time, they told me that I would have to cancel my current policy, and submit a new one. This was fine with me, as I turn 25 in a couple months, and know my insurance will drop.

So I cancelled the policy, intending to re-instate with them on a monthly payment basis. Believing that they were processing payment that day, asked if the payment would still be processed. The person I was speaking with stated that they could not guarantee that a payment would not be processed without 48 hrs notice. Well, this morning I checked my bank account, and they charged me the full 6mo. payment processed today, a full 48 hrs after cancellation. I called and spoke with someone about getting the money refunded, and they stated it would take 10-14 business days. I was in shock, so I hung up the phone, and later, called the bank to see if they could simply reject the payment. They said they had to wait and see if the insurance company would take it out first.

So I called the esurance back, and was told that if I had the bank fax over a statement that it had come out of the account, they would refund it, implying that this would happen today. After the bank did this for me, I called back (as they told me to do), and was put on hold for about a half an hour while they tried to locate this document. They finally found it, and stated that they took it to the billing dept. to have it processed. I asked them how long this would take, and they stated 8 business days.

At this point I had been on the phone with five different people for 3hrs. I asked to speak with someone in the billing department, and they told me that there was no way for me to do so. (They don’t have phones?!?!) I had to call again, and asked to speak to the head of the department. This lady promised me that there was no way for me to get my money back today. I stated that they had better find a way, whether it be western union or paypal or some other means, and call me back within a half hour, or I was filing for fraud. They never called back.

I called the bank, who put a stop payment on the check, costing me thirty dollars on something I should never have been charged at all for. This took six hours for me to resolve. Do to working in customer service call center environment myself for over six years, I find this absolutely baffling. This was absolutely the worst experience dealing with a company that I have ever had. They will never receive my business again, and hopefully no business from anyone I know.

An esurance customer collided into my vehicle about a month ago. I was very disappointed in Esurance's lack of quality in regards to car rental processes.

Although I didn't expect to get a vehicle that would replace mine in value, I would have expected to get something that would pay for a vehicle that didn't remind me of the 1970's, pre-automatic anything. Plus I had to sign contracts (which they said was no responsibility of theirs) with the rental company and pay for my own deposit.

After communicating my disgust about the poor process, I was told that in the State of Texas, they weren't even required to provide a car and if they so decided, they could give me BUS MONEY!

My son purchased insurance with this company in 2005. The rates were higher than quoted and, of course, they had an excuse for this. After 2 years his premiums have continued to increase. I checked with other companies and I have gotten him new insurance with more coverage at $500 less every 6 months.

When we cancelled they kept $50 for mid-term cancellation!

After reading that esurance accepts paypal payments, I decided to buy a policy...big mistake. There were so many errors on my policy, I must have spent 20 hours trying to take care of it.

When I first bought the auto insurance, their online system didn't work, so I called their 800#. They stated there was a problem with paypal payments, so I had to pay via credit card, but was assured future payments would be through paypal. The operator must have typed in the wrong paypal email address, just as she did the street address, and now I'm told I can never use paypal, only credit cards.

After reading all the complaints about esurance billing credit cards for no reason and paying about the same as all the other insurance companies, what's the point? Why even deal with them?

In December 2005, I received a quote from esurance for $450 for a 6 month policy. I bought the policy and paid in full on a credit card. A couple of months later, they charged an additional $560 on the card!

When I called to find out why, they told me it was because my last known address was in Brooklyn, NY and I was claiming that I lived in Rock Hill, NY. I do live in Rock Hill. I havent lived in Brooklyn since I divorced my wife over a year ago. (they also added her to my policy). When I explained that to them they told me that they would reimburse me once I provided a utility bill with my address on it.

I sent a gas bill, in my name, and they said it was not sufficient. They said that they now needed my w-2, a signed and notarized certificate of residency from the county, and a credit card bill! I went to the county building and they told me that there is no such thing as that certificate. So I typed a letter stating my address, had it notarized and faxed it. I also sent my w-2 with it along with a signed affidavit from the board of elections saying that I vote in Rock Hill.

Now they are saying it is still not good enough, they need a bank statement and my tax returns....WHEN IS IT GOING TO BE ENOUGH?

I have a perfect driving record and my policy with the last company only cost me $550.

I have been a loyal customer of esurance.com for nearly 4 years.I have always paid on time, and paid for each 6 month period in advance using a VISA debit card account. They have billed me automatically for years. I was very happy with this company, until now. I changed my email address and forgot to update it with them (my mistake) and for some reason their system wasn't able to bill my debit card, which hasn't changed.

I received a letter in the mail two days ago informing me that my insurance has expired and to contact them to renew the policy. They send this to me 8 days after they kill the policy. I called them and they have me on hold extensively, and tell me it is too late to renew with my current rate. But, they will "let" me sign up for a new policy but since I have now been uninsured for 8 days, my rate is about 150.00 higher than previously.

I tried to argue with the manager Dena, and nothing different could be done. They continuously told me I was at fault and that it was just too bad. I asked them if they were willing to lose a loyal customer because of a situation like this, and they said, "sorry, too bad, we can't do anything about this." This is really the worst service I have ever received. And when I told them they should have called me to try to reach me, they said that they are an online company, and therefore don't make any outbound calls. How ridiculous is that.

Because of this situation, I am uninsured, and anytime I get a quote with an auto company, I am getting categorized into the uninsured higher rate quote. Now I will have to pay at least 150.00 more per year, if not more, and have spent more than half my work day dealing with this.

I'm just keeping anyone of interest posted on the events as they unfold with the world's worst insurance company - ESURANCE! I was having trouble getting my calls returned concerning my stolen/later recovered Suburban but thanks to the Dept of Insurance in California the calls finally got returned.

The rep in the Total Loss department offered me a loss amount $1,000 under my lowest amount I'm willing to take. Then when I question the condition she claimed the car was in, she started what they all do at this company..improvising! Yep, the DIRTY vehicle has now turned to a RUSTY vehicle!

I now have to get an appraiser (at my expense) to give me an estimate on a vehicle he's never seen before. It was stripped, wrecked and has been sitting in my driveway for two months as I wait, wait, wait, while making car and insurance payments on it.

Thanks for the major hassles ESURANCE!!!

I bought policy 12/18/05 Had a stolen vehicle on 1/18/06 My premium increased by $400.00 on 01/18/06. And they about drafted it without telling me. I was never notified. The vehicle was recoverd and Its been 43 days and I am still being debited 189 monthly instead of the 139 we had in writing. And my striped vehicle is sitting in my driveway with no word on whats the heck's going on.

I just today was told they are working on a total loss claim. For how much? If you know it's a loss how much. This company doesn't call back, write or anything, they just keep passing the buck from one employee to the next.

I wish I had read the consumer reviews on Esurance before I signed up. Everything they described has happened to me in the last 48 hours. I should have known something was shady the first day I got their quote.

esurance said I put on the quote form that I had excellent credit. I know I don't have excellent credit and I wouldn't have said I did. So when they adjusted for credit the premium jumped over $200. It was still less than I was paying with my current company, so I bought the policy anyway.

Then I find out that the policy jumped another $200 because the bodily injury limits I put down were too high. That's where they made their mistake. I put down exactly what was on the declaration page from my last company. I think they must have changed the numbers to quote me a lower rate, and then changed them back. The premium jumped ANOTHER $200.

Now I'm in the middle of canceling, and they'd better not charge me any fees to do so.

Wow, my advice do NOT use this service for auto-insurance. This is what you will get.

First, they give you a quote low enough to get you to leave another well known or reliable auto insurance company (I was quoted information that I would save about $400 / yr on auto insurance). Once they get you to buy into their policy - based on, what I think was a false quote, all of sudden things change... I was quoted $89 a month, with $177 down - that immediately went up to $167 a month after signing.

I have a perfect driving history, and no lapse in coverage. I wasted my time, effort and $177, that I actually paid to get a rate 50% HIGHER then my pre-existing carrier. I wanted to cancel immediately, but they charge you a lopping 10% of the entire policy to cancel. They said it is a state law in Florida???

This is not a customer service oriented company.

I was thrilled when we received our quote from Esurance for about 40% less than our current policy. We disclosed all our tickets and accidents, etc. We paid the policy in full to save 15% on the rate. Two weeks later, our debit card was hit for $178.00!

Esurance said that Choicepoint, their research service found that I had a chargable accident. (not true, and either Choice or Esurance changed the actual accident report to read that there was "bodily injury" when the state and my previous insurer NEVER reported this.)

Two weeks later, we were charged $378 MORE because we hadn't shown proof of previous insurance, when if fact 7 days before we were charged, Esurance has a conference call logged in their records that they spoke to our previous company.

Did we get our money back? NO. They found another reason to keep it citing that we had changed our liability coverage levels. We are not renewing.

I contacted esurance and received a quote over the phone for around $500 for six months coverage. I was told the down payment had to be electronically taken out of my bank account and after that I would receive a bill each month.

A few days later while doing my online banking I discovered that esurance had taken more money from my account. When I called they informed me that my premium had been raised! They also informed me that they had e-mailed me (seems they don't mail monthly bills like I was originally told) prior to the withdrawl and sure enough when I checked my email there it was. Unfortunately, I didn't check my email daily.

I decided to ride it out for six months because of the amount of money that they had already taken from my account when I received another email that they had raised my premium again!!!

It's now 5 months later and they've taken 5 payments out of my account. I called to cancel my policy and the rep informs me that there is a $50 cancellation fee. She also stated that I changed my policy 3 times and that there was a $50 fee for each change in my policy!!! I never changed my coverage! They kept raising my premium....NOT ME!!

She also informed me that the company charged $25 for the emails sent to me monthly informing me that they would be debiting my account!!

I wish I had done a little research so I wouldn't be in this mess!!!!

My car got hit by another car on 05/31/05. My insurance company for 7 months now is very consistent in refusing and avoiding to repair the damage to my vehicle.

They do not answer or return the telephone calls and once you get them they pass the buck to another "responsible" person.

The repairs cost $2282.02.

Esurance quoted me a rate that actually went up $100 dollars--for no apparent reason. The first 5 months of policy were fine, but then it came time for renewal.

I switched my bill from one payment to monthly payments, but they deducted the whole $580 from my checking account causing $66 in overdraft fees. They said send us the statement and we'll refund the overdraft charge. 3 months later they denied the charges because I didn't switch to monthly soon enough (3 weeks before policy was to renew).

I explained to them that my changing to the monthly bill was my authorization to debit my checking for MONTHLY payments not lump sum. I explained that I did NOT sign for a $580 withdrawl and did not grant them permission.

I cancelled my policy and will not be doing business with them anymore.

I purchased a policy from Esurance on October 3, 2005. After talking to my previous insurance I changed my mind and decided to stay with them so I called Esurance on October 4th and asked them to cancel the policy and stop the deduction of funds from my account.

Esurance told me it was too late, they had already deducted the money, but they would give me a refund. However, it is October 15th and I still haven't recieved my refund. I called Esurance Monday and Wednesday and each day its a different response. On Monday they said I would have my refund in 24-48 hours. On Wednesday they said they are waiting for confirmation the money is taken out of my account. I offered to send them the confirmation from my bank but they refused.

I would not even give Esurance one star!

I thought buying a policy online would be fast and hassle-free but the past 4 weeks have been nothing but a pain. Esurance provides the worst customer service I have ever dealt with. I am all for technology but their system is living proof that fully automated is no way to run a company.

My emails and phone calls were "documented" but nobody reacted to them. I am constantly having to check on things and get back to them, as if I was the customer service rep. They should be paying me! Information I had sent (mailed, emailed and faxed) is always being "requested" or "processed". It was even lost at one point. As easy and fast as it was to sign on with Esurance, after not even a month I am already looking to get out.

I would rather pay a little more and deal with people who are actually able to take care of me and actually resolve issues in a timely manner.

I signed up for an Esurance policy and was quoted under $500. Later they raised my premium to $513. What they didn't tell me was that my original down payment went towards nothing more than a membership fee.

While I was told that the policy was $513, I had to make a down payment of $135 and then received a notice that my monthly payments were $123 for 5 months. This equals $750, and no where close to the $513 I was told.

In addition, when I went back to the website to recover information from my account, they delete the previous quoted price so that you have no point of reference. They also make it difficult to print the full page that has your account information on it so that you have no form of proof that you are being scammed. When I called and asked customer service about why there is such a discrepency she said that it was a fee for opening the acount--a fee over $200?