Esurance Reviews

I became a customer of Esurance around Nov of 2012. At the time I had no tickets or accidents and my husband had just gotten a speeding ticket (45 in a 35). I had no problems until May of 2013 when Esurance tried to raise my premium because I called to report that they had my information wrong. I told the representative that my name was Paula not Paul, and that my zip code had been changed by the post office. I told them my new zip code and the representative said my premium would be going up because my zip wasn't found. It was too new, so they put me in another zip code that had higher premiums because of where it was!

I started my policy on Aug 30 2013. I was quoted for $1058 for full coverage for 6 mths. On Sept 20 2013, my policy went up to $2600 for 6mths. Esurance claimed I was at fault for an accident when I wasn't. Corrected the issue at the DMV. My premium only went down to $2400 for 6mths. Cancelled my policy on Sept 25 2013. Esurance still tried to bill me for insurance. They claimed they back dated my policy for the premium difference. Esurance refused to pull my calls to verify what I was quoted on Aug 30 2013. I would not recommend Esurance to anyone. They make up information and expect you as a consumer to just pay for things that is a company error.

I've been with Esurance since around 2010. I have never had an accident with another vehicle and I have no tickets. I have a spotless driving record. I just recently moved to Arizona from Utah and found out that my insurance is not going to be renewed and that Esurance in AZ will not cover me any longer. I started to call around and found out that Esurance or the people who handle their coding on accidents miscoded a claim when I hit an animal in 2011 as a Collision claim instead of being a Comprehensive claim. Also Esurance told me when I filed the claim that this would not be on my record. In 2012, I admitted to an accident was my fault when I backed into a post at night in a parking lot at a restaurant in CA that was painted black instead of yellow. It cracked a tail light lens and I accept that one.

After I made a big down payment and then pay one payment after that, I received an email from saying I had moved and my policy would be canceled. I could call and purchase a new policy in "my" state. The new quote with the same coverage increased dramatically and although I did not have a payment due on the old plan until 2 more weeks, I was expected to come up with $301.00 down payment and my monthly payments would increase. I have a copy of my application and I did not enter a wrong address of a post office box. However the CSR said that I put a Wisconsin ZIP code in for the where the car was stored in the garage. Do I live in one state and store the car in another? I do not believe I did that and even if I did, my home address, the place I was purchasing the plan, did not change. It is just a way to screw more money out of the insured. I am not paying that and I am filing a complaint with the Illinois Department of Insurance. Since they don't seem to know what state I live in I guess I better contact the Wisconsin Department of Insurance too.

Filed a claim 9/2 due to damage caused by trying to avoid hitting a deer but connected with the animal enough to send truck spinning and hit median. We have been policy holders since 09. Filed a report with the Police the same day. My brother was the driver. We are covered for all liability as well as Comprehensive coverage & deductible and Uninsured driver. 9/3 I went online to see why no one had contacted us as well as I was trying to familiarize myself with our coverage. After making changes I didn't mean to and noticing that the claim said "closed", I called customer service. The woman was very nice. She not only corrected what I changed, she updated our address which dropped our payment. She then informed me it hadn't been assigned yet but was sent to the Denver claims office. She updated my contact info and said to wait.

Esurance was great in every aspect with my claim. My wife had a wreck and even though no ticket was given, it may have been her fault. The claim went so smooth with our claim and even with the price they paid for our car was excellent. In fact it was Kelly Blue Book dealer retail that they paid. I have read other comments and all I can say is they were great to us. PS: After our claim, our renewal was due and I thought here it comes - a huge rate increase, but to my surprise, only a moderate increase, still way below any insurance company I got quotes from and I did get several.

I was in an accident on July 17th of this year, and 2 months later, my claim is still open and I haven't heard from my representatives at all since first contact. They've given me no advice in how to proceed in my situation. I was shocked to learn that there would be no investigation of the damages to my vehicle, and I was told the claim process usually took a little over a week. Meanwhile, I am racking up debt from a tow company who's holding my totaled vehicle which I originally bought for $600. I know it doesn't mean anything to a company like Esurance, but the vehicle is all I had. Now I have to struggle to work, and live, and Esurance tries raising my rate before even making a determination in my case! I have nothing left. I want my car replaced. I've been to court, DMV, tow yard, police station... to fix this mess and what has my insurance done to help? Nothing. But you're happy to keep taking my money. I've heard from the other driver's insurance company more than my own. And I think 2 months is too long to wait.

I had insurance with AllState for several years and after purchasing a new SUV I decided to shop around. Esurance had a great price and I found that Allstate had purchased Esurance so I thought the switch would be great. I was so wrong. My daughter hydroplaned her car and I filed a claim online. It took forever for the agent to get back with me. I emailed, called and went through several recorded prompts and had to leave messages. When I finally do get up with her she is rude on the phone.

I was hit by an Esurance insured Motorist. The Motorist wanted to settle without even asking about my physical condition at the time of the accident. Esurance told me to take the vehicle to their preferred repair center who evaluated my vehicle to be easily repairable within 2-3 days and the cost to be in $1400 range. Something seemed totally wrong considering the damage to the vehicle. I decided not to go to Esurance preferred collision repair center. Instead I took my vehicle to another better collision repair center. I was told the vehicle repair will cost more than what Esurance preferred collision repair center had estimated. The collision repair shop asked Esurance for approval for repair. Esurance came up with an improper evaluation of the vehicle. They decided the cost of a different LE version of the van instead of XLE which we owned. This is not fair. I was driving a good vehicle till it was hit and turned into a salvage condition. Moreover, I was hurt during the accident. 3-4 weeks of back pain. 1 visit to the doctor.

My car got rear-ended, and going through the process and speaking with the customer service got me frustrated. The service rep name is Lamar, and he asks questions as if I was the person who did it. I understand this is the process but do you need to make it even more bad than it is? If this is the type of service I'm getting, then I am re-thinking of continuing with another after this. Not even one star is good enough.

I had an accident with my 1996 Lincoln Town car in August of 2013. The town car is in nearly mint condition and I am constantly making sure that the slightest of mechanical problems are addressed and repaired. I took the car to the body shop that they preferred I use and the repair cost was valued at $3600. The appraised value was $2800. Yep, total loss. I have tried everything with this company including paying nearly half of the repair value and reducing their share of the repairs to $2000 but they will not budge. They insist on paying me the $2800 and turning my car into a salvage car. They will not pay anything to repair the car. In my opinion, they are extremely unethical and must be in significant financial trouble, thus the buyout by Allstate. They know that the salvage value of my car is easily 5 or 6 thousand dollars. The emails that I get from them are filled with lies and threats in an attempt to intimidate me into signing over the title. Perhaps Allstate can shape them up... but I would definitely stay away from doing business with them.

After posting my initial complaint, I did receive a call from Esurance's customer service department. The first pleasant call from Derek assured me that the initial experience was a fluke and that my future dealings would be completely different. Steps I've taken so far to try and achieve resolution to a DUI that ESURANCE claims I've been convicted of.

To add to the story of Esurance not replacing my engine after it was damaged due to a car accident, now I get a call stating that Esurance is settling with the driver who hit me. I don't understand how a person who makes a left and hit my driver's side wheel and door and gets hurt sues me. I was going straight. I was found not at fault and they pay the negligent driver a settlement. This is just unbelievable. I feel a lot of anxiety when I drive now. I have been doing a lot less driving lately and I used to love to drive but knowing in the back of my mind that someone can hit me on purpose and turn around and sue me causes me to have a fear of driving now. It's not fair the way consumers are treated. What is going on here? I feel so violated by an insurance company and my life is affected by this whole experience with ESURANCE.

I was in a car accident Oct 30 2012 that I was deemed not at fault. They sent me to a company that fixed the collision damage but failed to recognize the engine damage to my car. The car never ran again after the accident. My engine was blown due to the accident. The collision place broke my alarm and there was parts hanging off of my car, and their response to me was that my car was not properly maintained before the accident. I showed them my maintenance records and they still refused to pay to have my engine fixed.

I happened to peruse the online driving record within my profile on Esurance's website, and I noticed that there is a ghost DUI!!! Upon my astonishment of this completely inaccurate record, I contacted both the DMV and Esurance. After faxing Esurance my driving record, I've been getting the runaround regarding any adjustments to my rate; "our underwriters are reviewing your account".

On July 17, 2013 I was hit head on by a drunk driver. My 2008 Chevy Silverado was totaled. I was injured and taken via ambulance to the nearest trauma center. I contacted Esurance and filed a claim. First problem, I was bounced around to 3 different claims adjusters. The first adjuster, Sean **, informed me after 4 days, that he doesn't handle total losses. The second adjuster, Mahesh **, never did contact me. It turns out this person wasn't even in the office. I was told she was on vacation. Finally I was assigned to Cindy **, and that brings me to the biggest issue. Once Cindy ** began working on my claim, I was asked for the pay off amount from my credit union.

I was very pleased in the beginning with Esurance. Had a great rate for my vehicles but after about a month into my premium, I was informed by their underwriters people that I have 2 addiction adults living in my home according to their public listing. It was only my wife and I living in the house that was of age. So I called them to inform that there were no other adults living in the home. But they didn't want to hear that. They wanted me to add them to my policy. The last homeowner who they said was still living there had moved on to some other place but I was told by them that their listing was stating that they lived there. I was to provide them that person's information or my policy will be canceled. After going around and around with them on this, I decided to end my relationship with Esurance and go with another company with the same rate with better Customer service.

Approximately a month ago, a guy in my apartment building backed into my bike and knocked it over, causing $4,000 worth of damage. I ended up getting his insurance information (he has Esurance, I have Geico). After a month of the bike sitting in the shop, they had not received ANY form of payment whatsoever. Upon going to the shop, I was informed that Esurance was unable to get a hold of them telling me that they called 9 times before they had to fax something over saying "please call us!" That is so ridiculous. Anyway, I took it upon myself to call somebody (which I should not have to do) and was miraculously able to get a hold of somebody. The representative was rude, evasive and had no solutions or resolve for her insured hitting MY bike.

I just called for a quote and beside the over high pricing ($1100 for full coverage) the Sales Rep was very Rude and also hung up on me. Not sure what type of customer service training you put your hires through but this was the worst experience ever. I will make it my business that NONE of my FAMILY nor FRIENDS have dealings with your company!!

By call, one lady gave me a price around $70/month, for 6 month car insurance. Then I received an e-mail which indicated around $110/month. I called them, but nobody tried to correct the mistake, they only wanted to explain they did right.

I have a 20 year old son who moved out of our household. I transferred the title of one our vehicles into his own name, and he had the car insured under his own name. In order to remove him from my auto policy, they said I needed to show proof of his new policy and proof he was no longer in our household. I both emailed this information and faxed this information at least 3 times in a period of 5 days. This entire process started on July 19, 2013.

Ok, so I switched to Esurance in January of this year because I thought I would save money and they were backed by Allstate. I purchased a newer vehicle in March and made sure I had FULL COVERAGE (that's needed in order to drive the car off the lot)! So on Monday there was a bad lightning storm and of course, my car is not directly hit by the lightning but it passed thru my car and fried the CPM and wires! So physically nothing is damaged, but the car will not start! I called customer service to put in a claim. Then I'm told by the claims adjuster that I might not be covered for "an act of nature event"!! Are you kidding me?!! I live in Florida and during the summer months that's all you get... And the occasional hurricane!

I switched to Esurance when I moved because my old company was local. I didn't have any claims and my policy automatically renewed after 6 months. It was about $80 more than the last 6 months. I called customer service and come to find out one of my discounts only applied to the first 6 months! I was not informed of this when I signed up for the policy. Also even though I had NO claims, there was an increase in claims in the state so MY policy went up! What a JOKE!! I should have gone with another company who was local and looked at me as an individual customer and not just as part of a group in the state. I want a policy that I can rely on not to change.

We were recently in an accident where the attending officer determined no one was at fault. The impact of the rear-end collision was less than 5 mph. There was no damage to their vehicle at all. All that happened to mine was lost 2 clips that hold my front bumper on. No tickets were issued. The officer on scene asked the occupants of both vehicles if everyone was ok and no one was hurt. The driver of the other vehicle had a C.D.L. license which I know from personal experience through friends and family that truck driving takes its toll on the neck and back. This person decided to seek medical attention after the fact and put a claim on our insurance stating that he suffered injuries due to the accident in which he told the attending officer to his face that he was alright.

I received a phone call from a supervisor after posting this review. She was able to help me and for that I give her a 5 star. However, it took me talking to four different people and getting nothing to get any sort of solution. Had I not posted this review, my issue would never been resolved. I feel the CSR's need to really step up and help the customer before the customer has no choice but to post a negative review to get any help.

My car was rear ended. Filed a claim via the internet. Wasn't sure how this was all going to work via the internet. The process was easy. Then received an email from Claims asking for more info and asked to schedule a time to meet with a repair shop on their list. Once I did, I was informed by the rep that they would waive my deductible and cut the check to the auto repair shop. I asked if they could cut the check to me instead of taking it to their repair shop who I was not familiar with. She said it would not be an issue and said the check would go out in the mail that day.

I talked to Esurance about getting a quote and changed insurance companies after I received a good price on a quote. After I switched I quickly became aware that everything you may need they will charge you extra for. Really do your research on them. I changed to them and nothing changed on my driving record or negatively in my life. Only thing was that I upgraded cars to a newer one.

I made my payment last Friday like always, and was told Monday my policy was cancelled for non-payment. I checked with my bank, and Esurance took the money out on Friday. When I talked to customer service, they told me my policy was cancelled and they knew nothing about the payment they took. The manager I talked to said that IF I deserve a refund, I'll get one in the next month. So, don't waste your time or money with this company.

Esurance is a joke! They use trickery and lie. One person tells you one thing and another tells you something else. Premiums went up after they were supposed to go down after 6 months. Cancelled the car I sold and added a new one. The old one didn't get taken off, so I was charged for insurance on a car I didn't even own. Every dealing I've had with them has been a bad experience. Seems like they don't know what customer service is. I canceled my insurance today and will be insured with someone after I finish this. Save your time and money and buy insurance somewhere else! Do business with another company.

When I started with Esurance, my rates were great; but as a broke, single mom, I had to lower my coverage because I couldn't afford $130 a month anymore. I dropped my coverage, but now, less than 6 months later, my rates have increased and I'm back to $130 a month - but with less coverage! RIDICULOUS! I'll be leaving soon.

I have had a policy with Esurance on a couple vehicles over the past few years. I was generally happy with them until recently. For a short while, I was going without a vehicle, which means there was no need for insurance. Prior to that, it was an Esurance policy. Upon resuming mobility, I contacted Esurance again and bought a policy. Enter the first complaint. During the phone conversation, I was told by the rep that after six months of continuous coverage (again) through Esurance, my premium would go down. That was a lie. There were no accidents at all. Nothing whatsoever for them to claim as a reason for the uptick.

Since the day I purchased my car, I was with Esurance even though the bait and switch on the monthly pricing... I went in for a hysterectomy and thought it came out every month. As soon as I got the letter in the mail saying my policy had been cancelled, I called in and explained. They were just fine with taking a new down payment and restarting my coverage. Then yes, I admit, less than a week later I hit a deer. I didn't total the car or anything, but I understood their concern. But I was not a new customer. I sent them all the information and proof of the time I hit the deer. They contacted the witness, etc. The bid came in to fix the car. They said it has to go to special investigations. I wasn't worried.

This company is the perfect example that evolution can reserve. Run by monkeys who give you different responses each time you call, refuse to put in any effort and add things to your policy after you purchase to make the premiums unrefundable. They are a complete NIGHTMARE!!! Pay a little more and go to another insurance company. In the long run, it will save you money.

So I signed up with Esurance a few months ago. They ran my driving record and gave me a very good quote. Two months later, my insurance premium went up US$40 per month on top of what I already paid. I called them and they said they had updated driving record but I had no accidents or tickets after I signed up. I agreed to pay more money and moved on. The next month, my premium went up US$60 more!!! I finally got tired of them and cancelled my policy 4 days before my next month started (month to month policy). They were supposed to give me some money back since I cancelled my policy 4 days before my coverage period ended but instead, they pulled $123.58 out my bank account a few days after. I called the company looking for answers to this matter but they were not able to give me a good explanation other than my policy is being reviewed by some agents. This company is a joke in my opinion and I wouldn't recommend anybody getting insurance through them.

I added a car and the person I talked to when I added it told me my premium had gone down. The next day, I dropped my other car and I was told I had a credit on my account. When I logged in to my account, I had a balance and a late fee of $73. So my new car premium was lower but for having 2 cars for 13 hours on my plan cost me $73 because the person that said I should have a credit failed to finish all changes on my plan and it cost me, and a late fee on top of that!!

On June 6, a Thursday morning, my car got smashed by a semi truck. I filed my claim and then it took me calling every day till Monday to get a hold of somebody. When I did get someone on the phone, I found out nothing has been done since I called in the claim. The person working on it is out until Wed. They sent someone out Thursday, the 13th, to look at the car. Then it took them several more phone calls and days for them to contact my finance company to pay off the balance of the loan. Now it is Tuesday, the 18th, and still no call from them about my claim or when I will see a check for loss of wages. So now, it is going on 13 days. I foresee this taking another two weeks before I get any sort of check back. Stay away from this company. I am switching back to my old insurance provider.

The very next day after I posted a review, I got a call from Esurance. They sent out my check last Wednesday. I received it on Friday - super fast. I am happy with it.

On the 5th on June, I picked up some gas for my BMW at Cefco gas station in Temple, Texas on Central. Now this gas station have a convenience store where the parking spots are very close to the pumps. As I was ready to move out, I saw a guy jump in his girlfriend's car, drop the case of drinks on the seats and as he did, the vehicle back-up light came on and the vehicle was backing out. So at that time, I did step on my brake and pushed my horn continually. But he just came and hit the LH front of my car that cost 2560 dollars damage.

I had a car accident on May 23. I tried to reach them more than 15 times per day. The total loss adjuster did not pick up my phone and did not even call me back. I used another phone to call her. She picked up immediately. Now they canceled my rental car. The adjuster is on vacation. She left her manager's phone number which is not working. I tried to send an email to the manager but no response. They took my old car and cancelled my rental car. But they do not process my payment. OMG, what can I do now?

I was involved in an accident on April 24 where an Esurance insured rear-ended my car when I was at a complete stop. I took it to their recommended body shop who took a month to repair the damages but as of today, June 11, I still do not have my car detailed. I still haven't even been contacted regarding the loss of wages or my pain and suffering claim. This company is a joke and having worked in an insurance company in the past, this type of service would have never been tolerated there. Suggestion for people that were injured by an insured with Esurance is to contact your own insurance company and let them deal with the reimbursement from Esurance. I would never buy insurance from this provider and if they are a part of Allstate as they claim to be, then Allstate should be ashamed of themselves.

A few years ago I filed a claim with Esurance for a one vehicle accident. I called the claims department and they told me to take my car to a repair facility. While my car was being repaired, I had to get a rental which I had coverage for the rental (I thought). Well my car got repaired and the day I took the rental back, I had to pay for the rental. The repair shop said my claim was under investigation. Several days later I got a call from Esuarance. They proceed to ask me what happened.

I signed up with Esurance 4 months ago. I switched policies after buying a new car. I originally had 2 cars on this policy. I sold a car, went online to delete a car and the website always kicked me off. By the time I was able to call in and delete the car, the phone representative stated she was having the same problems with the website kicking her off, and she was not able to delete the car either. I was then told she would escalate the issue and I would receive an email once the car was deleted. I didn't receive an email until over a week later. I was also charged over $100 more than my original policy. It’s very disturbing that they conduct business like this! I will not renew my policy with Esurance when it expires.

I shop for new Auto Insurance quotes every 4-6 months to help ensure I always receive the best prices available. In the past, any time I received quotes from Esurance, I was able to choose month-to-month payments, as paying nearly $1,000 in one lump-sum is virtually impossible for most people to do. Today, I was excited to see that my quote with Esurance is a much better price/value than my current auto insurance company. However, when attempting to checkout, I was unable to change from pay-in-full to month-to-month payments. What's going on Esurance? You're losing customers (myself and my mother, at a minimum, as we both received better quotes from you than either of our current companies)!

We have had Esurance for several years starting in 2002... I had an accident in 2011, and Esurance was great. They took the bill directly from my husband's checking account. My husband is only home one day a week and never checks his checking account. We have switched email providers, so the last insurance card we had was from 2008, even though I called several times to get a new email put on my account...

I posted a review on this site 3 days ago regarding my awful experience I had with Esurance. The day I wrote the review, I was contacted by a supervisor for customer service. I returned her call the next day and she informed me that she had seen my review and investigated my account. She told me she had pulled the recorded call from my first initial call and that I was indeed told my premium would go down and that she apologized that I was misinformed. She was very helpful and reversed all the fees I was being charged for cancelling my policy and had the money refunded to my account.

I have been with Esurance for over 3 years and this is actually the second time I have used them for insurance. If you total the amount of years I have been with them, it is over 6 years. I decided after yet another increase in my premium at my renewal to get a price from a different company. They gave me a lot better coverage and a lower price, so I called to cancel my Esurance Policy. The representative I spoke to was very pleasant and offered to look at my policy to lower my premium. She told me she could get me close to what I was quoted and said that when my policy renews, the system doesn't go by what the current insurance rates are; it goes by what the insurance rates were when I originally setup my policy which is why someone else gave me a lower rate. She changed things on my policy and told me I could expect to see a refund on my account within 3-5 business days.

I left a review about Esurance yesterday that was published on this website. The very next day, after leaving this review, an Esurance rep called me and gave me outstanding service. I got the claims department to step up their game and get my car an appointment to go to the shop. I am satisfied and have since changed my review rating, but would have only wished to have received this kind of expected service from the very first call.

I pay over $2,000 a year for both mine and my wife's cars to be ensured by Esurance (Policy # **). I was rear ended one day at a red light, and filed a claim with my insurance company. Lo and behold, I had to call four times in the span of one and a half weeks JUST to keep hearing, "We cannot get through to AAA, but left them a message... We have other customers and cannot call for you all day. You may have to use your deductible to cover the damage, and we MAY reimburse you." I felt hopeless and at fault for the accident, when I was clearly not. As soon as this is over and my car is fixed (God knows how long), I will be switching insurance companies and telling everyone I know about my bad experience with Esurance.

I read all these complaints and still shake my head. However, immediately after my complaint was posted, Esurance contacted me and reimbursed me with an adequate amount to satisfy me. Please be aware that everyone who purchases coverage in a no-fault state seems to be required to pay an additional fee. In Michigan, it's an MCCA (Michigan Catastrophic Claims Association) fee. In my case, there was a misunderstanding in which this fee was not clearly explained to me and that it was a separate charge (as well as a "Recop" and an additional small "State" fee) from the total amount of the insurance premium that was quoted to me.

I decided to try Esurance Online in March. The six-month premium quote was very competitive, so I signed up and paid the six-month premium in full, in advance, for $348. Two months later, I got a notice from Esurance saying my policy has increased by $833. Explanation: "Your driving record has been updated." They're going to charge my PayPal account.

Esurance included over $200 worth of hidden fees in my auto insurance policy with them. I was never informed, nor made aware of any additional charges in my quote or my actual policy. It was a complete rip-off! It was when I canceled my policy early due to selling my car that I realized I was being charged additional hidden fees. In consequence, I ended up being overcharged by some amount that I still can't figure out. Esurance needs to repay everyone they are and have been stealing from!

I started a policy and paid for six months. Later that same night, we ended up buying a van and before we signed, we got online to see the difference in the price of coverage. The website told us about $200, so we agreed, signed and took our van home. Well the next morning, I got an email telling us, "Oh no, by the way, you owe $400 more." When I called after being transferred all over, a guy said, "Oh state fees, blah blah blah, but I think I can get a $100 taken off. I will personally get back with you in 24 hours." A week later, I called back but cannot get the guy back on the phone. After being put on hold forever, I was told, "Nope, sorry. That is what you have to pay." As soon as my policy is done, I will never ever be going back through them again. The worst service I have ever had!

It seems to be fine when they collect premiums, but they procrastinate when paying claims, namely PIP portions. They promised to pay, but nothing in months. I will never get Insurance with this company again. Are they really backed up by Allstate?

Esurance is a joke. I was quoted $570 for six months and then after a month and half, they want to add other people on my policy because they want more money. These guys are greedy and make you wait over 2 hours before you could get someone.

I was quoted $68.90/month but actually charged $99.32/month. After several phone calls, Esurance could not tell me why there was an increase. Very sleazy company that does not back up their quotes.

I should have realized what a sleazy outfit Esurance is when they asked for my charge card number to show "good faith", since it cost them money to run my credit and get my driving record info. After running my credit and driving record, and given a "firm" quote, it mysteriously went up over $100 when I gave them the go ahead to get the policy going. After re-negotiating terms (the effective dates were supposedly the problem), the effective start of the insurance was 2 weeks away. I was told I had to provide my current "insurance declaration" and had to approve the agreement I would be sent to by email. The insurance would then be approved. Only then would my charge card would be charged.

I have been a licensed Insurance Agent for over 13 years - I have seen every trick in the book. So before I started my policy, I called in and made sure the MVR, CLUE and Credit was run to ensure the premium I was quoted was correct. The Esurance rep said he ran all the reports and advised the premium he quoted was firm.

My experience with Esurance has been nothing but a hassle, and all I've done is purchase a policy from them. I chose Esurance because they had the best rates but their customer service representatives are rude and demanding. What happened to customer service? They act like they are doing you some kind of favor, not like you're the one paying them money when there are many other competitors out there that you could choose to purchase insurance from. They keep hassling me about documents regarding the excluded drivers I live with. They are "excluded", and I shouldn't have to provide Esurance with any of their information.

They went up on my insurance - double than what it was before! Will now cancel because it's too high.

Esurance quotes you one price and changes it. The sales guys are not fully aware of the rules and regulations. They make a sale by adding unnecessary discounts. Once they underwrite, the price changes dramatically. On top of it, they hit you with cancellation charges. Be careful what you are stepping into with this company.

I was in an accident on 3/06, which was not my fault, and still have not seen one dime from the other driver's insurance, Esurance. I have bills that are due from the ambulance service and ER visit. My car was totaled and I was not offered any money for a rental car. We have received every stall tactic there is. After a month dealing with the assigned claim adjuster (which lack customer service skills), she advised us if we were so hard up for money to turn it into our insurance. If we take this action, we will have to pay our deductible, which we do not want to do. We also just found out (on our own) our rep is no longer with the company and had been assigned to someone else. It has now been 2 weeks with the new rep and it is hard to get a response from him. We are now at our wits’ end. Even our State Farm agent (which has been helping us and is wonderful) is shocked due to the lack of response and service we are receiving.

When I filed my taxes recently, I listed our family car as having been used for business since I used it twice last year to drive 7 miles to our rental property. I received no tax deduction for this. It's not surprising since the calculation was that the vehicle was used for business 0.1% of the time last year. However, Esurance quickly contacted me about this and said there would be a $53 business surcharge for this 0.1% of business activity. The customer service people were pleasant enough, but were also unwilling to forego this $53 business surcharge. It seems pretty clear that Esurance just have their hands in my pocket on this. I was honest in filing my taxes, got no benefit from the IRS, but still had to pay an extra fee to Esurance. Beware!

I was told I had to pay a cancellation fee of $54 because I canceled before my renewal period. I paid $188 for full coverage for 2 years and now will only be paying $112 with the same coverage. Isn't that something? What a ripoff. Wish I would have known this a lot sooner. I don't remember them saying anything about a cancellation fee!

I was an Esurance customer for nearly six years and became dissatisfied and subsequently angry with the company during my first experience with the company's claims division in 2013. I would not recommend this company to anyone and would, in fact, dissuade anyone thinking about signing on with them if they were considering it. I simply think there are better combinations of speed, quality of service and price out in the market for those willing to put in the research.

My son has had Esurance for 3 years, and now that he needs assistance, he can't get it. He can't speak to anyone that actually works for Esurance, only call centers who tell him he's not insured, doesn't have full coverage, not eligible for assistance. He has paid $178 a month for full coverage for nothing. He will be contacting an attorney to pursue this matter.

My son was rear ended by a driver insured by Esurance. All I've accomplished in three weeks since the incident is experience every trick known to delay processing the claim (as in lost/mislaid paperwork), no calls back, having to deal with a new agent (phone answerer since they always have to verify with someone else to do anything), no notes whatsoever kept on the claim and just a general runaround to delay having to pay on the claim. They have been very discourteous on the phone and just basically disinterested in having to do their job. I guess you get what you pay for. Good luck if you're ever unlucky enough to be hit by one of their insured drivers.

Customer service reps need to polish up on their customer service skills. They were kissing my ** trying to get my business but when I found a much better rate with 21st Century and called to cancel my insurance, the guy Rob was actually really rude and tried talking over me. Rob doesn't know that I'm a 6'2", 240 lb bodybuilder/ex-marine that will teach him about customer service in person. ** is this company teaching their people? I'm glad I canceled! Go with 21st Century Insurance. You will save a butt load!

Esurance was nothing but trouble from the moment I got into an accident where the other driver was at fault. Not only was I responsible for the deductible, they got me into a rental, and when I was unable to pick my car up due to some personal reasons, they informed me a week later that they stopped covering my car the previous week. They wrote, “FYI we stopped covering your rental the day your vehicle was completed.” When I locked my keys to the rental in the vehicle that was provided due to my vehicle being repaired, I was informed that an unlock was not covered in my policy, but I could pay an extra fee for them to come out. I already paid for that service in my policy.

I had my Esurance linked to my checking account, and needed a check to clear (there were legal implications if the check did not clear). The agent told me that I had built up equity in my account and could give me several extra days before the payment was taken. They took the payment on the normal day causing issues. When I called, they told me that they had it documented that the payment date was to be modified but since the payment was already processed, there was nothing they could do. The next month they increased my rate.

After being a good customer for 5 years paying on time, no accidents, no tickets and owning two cars, Esurance started to increase my rate from $450 to $650. I had faxed all the verifying and corroborating paperwork about my mileage to them months ago. Now, they say that they never received the paperwork from the 10 pages of faxed oil changes and car repair information. What happened? Do they wait until the last minute and then lay in wait to increase your auto insurance $200 and claim they never received my faxes, with my PACA number written all over each page? Geez, I'm feeling harassed and agitated by Esurance. They're not the company it once was. A big disappointment to have to continue to fax and re-prove my low mileage.

I was a passenger in a vehicle insured with Esurance in 2010. At the time, there were 2 bills: ambulance and hospital. I was asked to send in all bills from the accident. I did so, kept trying to call Kim, the rep, but she was always on vacation. After sending in the bills, we were not asked about any more documentation. Fast forward to 2013 and wanting to buy a house, I pulled my credit report and find that I was sent to collections for the 2 medical bills Esurance did not pay. I called Kim and she remembered me, gave me the runaround, and acted like this was no big deal. I am convinced she did this on purpose. Maybe for her, credit is no big deal, but when you are trying to buy a house, and you pay your bills, a credit report should reflect that you do.

I got an online quote that was great, but then because I was changing my coverage amounts, the price ended up being $200 more. They would have given me the same coverage at the original price just to undercut a price. That felt shady so I went and quoted coverage elsewhere, then called to cancel. I had agreed online to a $50 cancellation fee. When I explained my reasons for canceling and asked it to be waived, I was told that could not happen. They have ensured that I will never use them and I will tell others not to use them either. Price undercutting does not buy customer loyalty. It means people will just shop for the cheapest price each renewal period.

I logged in to check my renewal and it was $180 more. I have had no claims at all in the past 20 years. I was told that part of it was a new customer discount expired and that it was a cost of living increase. I refuse to pay that much extra just because where I live! This will be my last experience with Esurance.

I signed on with Esurance because I didn't want to call a bunch of places; it was at an okay price. Several months later, I added a different car and it went way up. For only 1 car, they were charging $130 a month. I've got a perfect driving record but my husband had one ticket on his. I called a different company & got my insurance almost $100 cheaper for the same thing. So when I called to cancel, the girl was so rude and mean, even telling me my husband had 10 things on his driving record, that he lied to me since I didn't know. When I asked for dates & offenses, she told me she was off that screen already. This was on 2-6-13. Yesterday, I got an email telling me Esurance was taking their monthly payment out. I checked my bank & on 2-11-13, Esurance billed my acct. I called & there was no record of me even calling last month. So the woman yesterday was super friendly and got it fixed, put my money back and waived the early cancellation fee. Based on this, I won't recommend Esurance or ever get coverage through them. I wish I would've read these reviews.

This is a real and current problem I am encountering with Esurance. Since when does repairing damages from an accident require you to sign a waiver? I was not at fault but unfortunately, the person who hit me was insured by Esurance. In order for my car to be repaired by Esurance, the adjuster out of Phoenix, Dan **, is mandating I sign a waiver that no other problems as a result of me being in a rear-end collision by their Esurance client can ever be filed. My vehicle has been sitting for two weeks at Toyota body shop waiting to be repaired from problems created by the accident. I would never insure any of my vehicle from this fly-by-night company with no customer service and bold unethical practices.

I was with another company for many years with 3 cars and no claims, tickets, accidents, or at-fault claims ever. I chose to switch to Esurance because they were much lower. Within the first 30 days my daughter had an at-fault accident that cost Esurance $2500 with no injuries, and they canceled the policy. Beware: you pay for what you get.

We went to the Esurance website to get a quote for 2 vehicles. They used the same coverage amounts of our current insurance provider policy to generate a quote. The initial quote given was significantly lower than our current premium. I called Esurance to sign up and the representative then proceeded to give me a significantly higher quote than what they originally gave us. None of the information had changed since the 1st quote. This is a classic bait and switch tactic.

I decided to go with Esurance after they provided me the lowest quote. After deciding on Esurance, I googled them. The reviews were horrible. I became very concerned. I must say I had no problem with them until I decided to let my policy lapse because of increase of $25 more each month at renewal and the horror stories online. The customer service rep copped a huge attitude after I told him I was going with another company for several different reasons. He was extremely rude and actually told me changing from Esurance made no sense to him. My suggestion to Esurance and their parent company: Educate your customer service reps on the finer points of great customer service.

Esurance sucks. If they offer you a settlement, understand that they are including all things in the settlement. They will subtract out of the money you think they are sending you anything that they've paid to your health insurance company for bills that resulted from an event that they were supposedly covering. You think you're agreeing to them sending you a check in the amount of $xx.xx, but you'll only see a small fraction of that amount. State laws should require that all this be clearly explained. The consumer expects that the settlement amount means that he/she will receive a check for that amount. If there are things that are excluded, that should be clearly explained. If the insurance company is transferring to you and claims that haven't yet been fully settled, that should be clearly explained (and that is just what they are doing if you are signing a release).

I have had many horrible experiences with multiple car insurance companies, but Esurance has been the worst. I called the company and got connected to an agent. They set up my quote pretty quickly. I had stated that I was going to need an SR-22, thinking that it would automatically include the charge for the filing fee to my policy, but no. Not only did the agent not include the SR-22, he did not even file it causing me to get my license suspended. I was very upset because how was I supposed to get anywhere and on top of it. It wasn't my fault. I did what I had to but the agent didn't do his job. He had no problem charging me my first month's payment though.

They tried to charge me $45.99 for taking my daughter and her car off my policy a week early. Yet, they were only going to reduce my premiums by $10 a month without her or her car on the policy. I am now insured with Liberty Mutual for half what Esurance was charging me.

I recently signed up for Esurance after reviewing their website and talking to their "agent." Since I switched from AAA, it has been nothing but hassle. I’ve been an insured driver for over 20 years. My rate has gone up three times since I switched. They constantly call with new and unreal requests, calling over and over if they don’t get an answer. This has been a horrible experience - there must be a lot of risk for this company because I have never had so much hassle with my car insurance. I thought going through this Internet company would make things easier. I will be driving up to my local insurance agent at the end of this month to switch back. Biggest mistake ever.

I've been an Esurance policy holder for six years now. During that time, I've not had any claims, relocated from an urban to a rural address, drove less than 2,000 miles per year, and my car has depreciated in value. Each year, my policy premium has increased, even with all the changes that would have had a positive impact on my premium. When I called to cancel, they offered no questions or solutions to keep me as a customer. They’re totally apathetic, which is the same treatment I received when I wrote the company to share my experience. No response, whatsoever. Do yourself a favor and don't buy their bait and switch tactic. I’m not sure if this has anything to do with Allstate, their new parent company; but in any case, there are better insurance options out there.

So I gave them a 3 because they are nice, friendly, and hassle-free when I made a claim. They're almost the perfect insurance I could have, but then they raised my insurance. At first, I paid around $89, then they raised it because I got a new car to $137. Then my last straw was when they raised it to $237 a month. To have insurance? That's a car payment! You got to be kidding me. That's why I left. I got in 1 accident after 10 years of driving. I was only a fender bender, and I took the ticket to court and never had nor received points on my license. Ticket was dismissed. No points on my record! Crazy.

My husband got into a small accident. When we filed a claim, they told me that my husband had been excluded as a driver on our policy for a year and sent me a copy of some document I have never seen, claiming I signed it. My name was printed on it. They said it was an internet signature, but I have never seen this before and certainly never signed it! I had no reason to insure my husband's truck without him as a driver. I never drive his car! What a scam! Saved a few bucks, just to be completely without insurance when we need them. What a scam! I can't believe they do business like this.

I have been a member of Esurance for 6 and half years. I only switched to them for their lower rates with the same coverage from my previous insurance provider. Their customer service reps are really nice. However, Esurance decided to increase my rates even though I had no accidents or any citations. I have a clean record for 19 years. I called them up, and the rep had to transfer me to a licensed rep who can check my records further. Seriously? How much further do you need for clean record? The rep could not find anything wrong with my records and could not explain how the rates increased. It went from $2,400 to over $4,500 for the renewal of new term and nearly zeroed out my bank account since I have auto-pay set up with my bank.

This company is a total joke. They are very misleading as they make it seem as though it’s a great rate and then here comes the Underwriting department asking questions about coverage for those who used to live in my place. Then after sending them the utility bill, they tell me I need to be established at an address for 6 months before they can accept my paperwork. At this point, they have increased my premium. I’m extremely upset with them at this point. Don’t ever get coverage with this company, unless accompanied by a bottle of Tylenol extra strength!

I had coverage through Esurance for a few years, but I end up not renewing my policy due to their inflexibility (thank goodness). I normally paid my policy in full at the time of renewal, but after getting laid off two days prior to renewing my policy (recurring payments were set up), I needed to change my payment schedule. I called and spoke to a rep, who then told me that my payment schedule could not be changed within 7 days of renewing and that I would be charged the full amount within two days. I explained my situation, but I was told that there was nothing that could be done and I had to deal with it (really?). I asked to speak to a supervisor, who then reiterated the same thing (they were dead set on forcing me to pay the full amount even though I told them that I couldn't due to my new financial situation). I told them that I would not be renewing due to their lack of flexibility in changing my payments.

This company is a complete train wreck, pardon the pun - terrible to just really bad customer service. They lie and then when you actually need them (you get into an accident that was not your fault), they drop you from their service and do not answer any of your questions. They are the worst insurance company ever.

I have had Esurance for several years. I had no problems with them. Their rates were reasonable and even when my husband received a speeding ticket (0-5 miles over), the rate only went up $10/month. That was until they teamed with Allstate last fall. When our policy renewed this year, our rates went way up. At first we didn't notice it since we have automatic bill pay. But we finally did. It went up over $60/month. When I called to find out why, they said they did a statewide policy review. It was based on the number of claims other drivers in my state have, even if they are not insured with Esurance.

I purchased auto insurance through Esurance when the company I work for transferred ownership of a vehicle to me. Unbeknownst to me, they had cancelled their coverage back at corporate before I got covered. This caused a gap in coverage of 6 days. Esurance had quoted $58 per month when I signed up, but jacked me up to $145 per month when they found out. I am 52 and haven't had a ticket or accident in nearly two decades. I just cancelled the policy and they are charging me a $50 service charge for canceling mid-policy period. I feel like they are sticking it to me anyway they can. Be forewarned.

When I checked various companies for rates back in October, I went with Esurance because they were the lowest priced. Once I committed to them, they immediately raised my bill by 30% because my wife had a ticket I didn't even know about. Now they are threatening to raise my rates again or cancel the policy because they think my grandson (who doesn't live with me) may drive the vehicle and because there is a business in the building (which I own) where my apartment is located. They refuse to take my word that these are not my businesses and want forms completed that exclude my grandson from the policy that also explain details about the businesses, even though they are not my businesses. They want to charge me more money for just completing the forms! I've had it with them. I'm canceling their policy and going with another company. I would use much stronger language to describe these people, but don't want to risk my comment being deleted.

I am not an Esurance policyholder, but I was hit by an Esurance driver in Sept. 2012 (totaled my car and caused injuries to myself and two of my children). My rep does not answer the phone, does not return calls, nor does she reply to my emails! I even tried talking to her supervisor and she was very rude. ** is always out of the office or on vacation. I am trying to see what’s going on with my claim. I’ve sent everything in that she needed and still nothing - no answer, no callback. Help me.

I've had a policy with Esurance for the past 6 1/2 years and up until now, there have been no issues. I knew when they became part of Allstate this was bound to change. I've never had an accident or filed a claim of any kind and have kept my vehicle in excellent condition. They have my address on file and have had for a long time. I received notice my policy is going to be cancelled. I called them and spoke to a nice customer service representative who said the issue was with their underwriting department. The document in the e-mail I received said they could not verify my address and giving it to them seems to be of no help so far. I am done with them. From other complaints I've read, this seems to be a common problem lately. Being a good customer who pays on time and hasn't filed a claim seems to be relatively unimportant to them now.

I purchased Esurance policy. Long story short, I missed the scheduled payment date. They cancelled my insurance and had me pay a $50 cancellation fee along with some other smaller fees added up to $72 and some change of pure fees. I never had an insurance agency charge so many fees.

I got a quote with Esurance online, which was 20 dollars lower than what I was paying before. I called them to buy the policy. The agent reviewed everything before signing up. I purchased the policy. A week later, I received a letter from them that my policy rate was going up. So I called and they told me that it was going up because my previous policy had canceled 10 days before I started with them. So, they raised my policy 31 dollars and I ended paying more than what I was paying with my previous insurance. This same month, I switched to GEICO. Don't buy Esurance. They will rob you.

When I saw that Esurance was "backed by Allstate," I thought the company would be viable, trustworthy, and dependable. When I switched over to their insurance services, I thought since I paid in full, and had given more than enough verifying information about myself and the car over the phone, that I would have a stress-free policy for insurance. This has been far from the truth. I have been hung up on by their hold queues after sitting on hold for sometimes 30+ minutes. Not to mention, they have a "call back note" in which no one in the underwriting department will ever get back with you. They had said I needed to verify my current address. They said this could be done via fax, phone, mail, or email. I had emailed and faxed them various documents - no response. I tried calling only to get hung up on.

I recently purchased Esurance back in mid-August, and they cancelled my policy in October. First of all, every time I tried contacting the underwriters, I was on hold for 30 minutes or longer. When I would call customer care, they would answer within 30 minutes. They kept emailing me, asking me to add on drivers that I don't even know! I'm assuming these are people that used to live in my house. I would email them back for the 3rd time, telling them that I don't know these people. They emailed me again and asked for their proof of insurance? What the heck did I even respond back for? Anyways, they cancelled my policy. Yes, they did.

I spent an hour and a half wasting my time, with an albeit very nice representative from Esurance to sign up with them, only to be denied coverage! Apparently, the extremely minor accident I was in last August, by a driver who rear ended me, caused me to be denied because my Geico reimbursed me for lost wages that day. Entirely ridiculous considering even the representative said I have an impeccable driving record. According to the rep, Esurance denies coverage to anyone who has had a "personal injury claim" in the past three years. I wasn't even injured! Why even utilize the phrase "no fault" when it constantly works against you? If Obama can put in place policies that don't deny you coverage for pre-existing conditions, why shouldn't car insurance companies have the same policy for drivers who are not at fault for previous accidents?

I was rear ended by an uninsured driver. A few months later, Esurance calls and tells me they are dropping our policy because they cannot verify our garaged address. Even after faxing numerous documents and bank statements, they still said they could not verify and the policy will expire and not renew. Esurance will treat you like crap if you file any claim with this company. They will do anything they can to get rid of you after any accident. They also refuse to insure anyone in the state of Florida with any PIP claim within the last 3 years. This company does not care about their customers at all. Stay away from Esurance. You will regret having this company if you ever need to use your policy.

I was with Esurance for 4 years. I had an accident this past July and was dropped from their coverage. Also, the "5-star" shop they recommended to me did horrible work to my car, which forced me to take it back to the dealer to fix the first shop’s mistakes.

This company basically stole from me. I’ve been an Esurance customer for a long time now, Since January 2011, I have paid $2,572.57 for the peace of mind that if anything ever happened to my vehicle, Esurance would stand by their side of the deal and make things right. That wasn't the case after my vehicle was rear ended by an uninsured motorist. The Police confirmed the other driver was at fault and even though my insurance was current, I was refused coverage because my wife who is not on the policy was driving. If I take your money every month for a service and never provide agreed upon service, that is theft in the truest form!

I called emergency roadside assistance because our truck stalled and they took two and a half hours to get to us. We were waiting in 98-degree weather with three dogs and limited food and water. When we first called, they said it would take 60 minutes. Well, at 85 minutes, we called and they said, “Anytime now. The driver is looking for you.” Half hour goes by, still no show. I called again and this time, the agent said she can't locate my initial request and had no record that we had called in the first place. Now angry, dehydrated and almost dying from heat stroke, I insisted on talking to a supervisor. Finally, after 20 minutes, they said, “Oh yes, the driver will be there shortly.” It took a total of two and a half hours for the tow truck to show up. We were in the middle of a heat wave. What if we were in the middle of a snowstorm? We would have certainly died then. As it is, one of our dogs was suffering badly and I thought she was going to die for sure. Do not use Esurance unless you want to put your life and your family's lives in danger.

Insurance adjuster was incompetent. I did not want to take liability for their insured even though I provided evidence. They gave me the runaround for a month and never bothered to inspect my vehicle for damages. They answered vaguely to my emailed questions. I had to take the other part to small claims. Customer service leaves a lot to be desired but I guess what do you expect from an internet-based company?

Esurance is horrible! Initially, they had the best prices for car insurance (the first six months). Then my premium went up every six months even though we kept a clean driving record (no accidents or tickets). When I asked them why, their answer was the cost of business in SC has gone up. Really?! Then why are all of the other insurance companies' rates lower? Their answer to that was because the cost of business in SC has gone up. I informed them that I would not be renewing my policy via email. Well they sent the charge through anyway when the time came around. I called them and told them that I had sent them an email.

I was contracted with them for a six-month term, re-rated with no explanation and then my account was debited for 60% more. I then asked to cancel. So sorry, there is a huge cancellation fee. If you ever deal with EFU, you are one dumb human being. I will never ever, ever, ever do business with this company or their parent Allstate! Never!

I can't begin to explain the lack of service I've received from Esurance! Horrible! We submitted a claim for our vehicle and heard from the adjustor before anyone at Esurance. We kept the appointment and had her come out and all was great. I called my claim rep. because I had yet to hear back from anyone other than her. I left him a message since he was on vacation! A couple of days later (still no call back from claim rep.), my adjustor called back and I explained I haven't had a conversation yet with Mr. Steve **! She said, "Oh really? Well, I see here that the check is already in the mail." "Okay," I said. Well that was easy! (So I thought!) A couple of days later, I don't see a check in the mail. I called Steve ** again. No answer. I left a message. No call back. (It's been over a month now and no call back!)

You are uninsured in any other state. Buyer beware. You, as the insured, drive your car into a different state and like magic, all the coverage you pay for, for example $1,000,000 bodily injury disappears. It still exists but the coverage drops to the minimum required by the new state you have just entered by motor vehicle compulsory laws. If it's $5000, that is all they will pay. You are on the hook for the rest and if you have collision, it is gone. Yes! You read it right. You or your lien holder gets nothing and you are on the hook again. No wonder they have such great rates. It cost me $75 to cancel and I now pay $130 more for six months but the peace of mind is priceless. I found this out when I checked to see if my fiancée could drive my car around town in my home state and you guessed it, all coverages dropped to Utah minimum with no collision on a $20,000 vehicle. Keep away.

I just wanted a "quote" to add my son to our policy. They told me that they needed his driver’s license number to give me a quote. I asked why as all I want is a quote and not to put him on our policy because I'm not sure if we can afford it yet. I got an e-mail again saying that they put him on our policy after I told them not to and they still needed his DL number. I called around and got several quotes without all the info that they wanted. Every time I got an e-mail, they asked me for his DL number. If anyone gives these people that information, they will add that person to your policy and make you pay the premium for that person. I found better rates at other companies, so I decided to switch.

Esurance increased my policy without notification by $20 per month. Then when I inquired about the increase, they said that in Ohio everyone's rates went up. When I called a local insurance company, my rate went back to the original amount. Therefore, I bought the new insurance. When I called Esurance to cancel my policy, I was informed there would be a $50 fee to cancel! I don't know if this is the policy of every insurance company but really, what do they have to do to cancel a policy? My new insurance carrier said that with Esurance, the policy holder must cancel their insurance. I'm assuming policy holders with Esurance must cancel their own policies so they can get screwed one more time before you leave them. Don't use Esurance!

I switched to Esurance because I was quoted an attractive premium. The original quote they provided me saved me 30% over GEICO. About a week into my term with Esurance, they sent me a letter saying that they "made several attempts to contact me" and that my premium was being increased due to failure to disclose an accident that I was "at fault" for. The increase raised my premium by $170/six months. The kicker is that the "accident" they were referring to happened a few years back and I was completely not at fault.

On July 3rd, we settled the claim. I was told the check was in the mail. Today is July 24th, nothing. After many calls and emails, still nothing. Any suggestions?

I had an accident - the first one in 8 years. Now, they are going to pay me a used car part; the repair facility has to go to the junker’s to look for the parts for my new car. They gave $4599.47 to fix my car and on the top of that, they regulated the labor payment to the facility. He said it’s $40.00 and they paid him $38.00. It's the cheapest insurance you’ve ever seen in your life. On the top of that, I have full coverage - what kind of full coverage is it that gives none?

We received a letter that stated that our insurance would be canceled due to the fact that 2 of the vehicles were not in the policyholder's name, but they still charged us for the 4 vehicles. Then they told us they would refund our money, but lied and kept our money. They are the worst insurance company ever. I would never recommend this company to my worst enemy.

Beware of Esurance! They are the worst insurance company I have ever dealt with. On April 13, 2012, I had a not-at-fault accident where my truck incurred about $2,500.00 worth of damage. First, it took until two days ago (10 days short of 3 whole months) to get an appraiser out to look at the damage to my vehicle. Then they appraised my $2,500.00 worth of damage at a little over $1,200.00. My deductible is $1,000.00, leaving me with about $200.00 to fix my vehicle. That's not even enough to buy one headlight, much less fix the damage.

Won't honor my full coverage policy on collision - I have been a customer of Esurance for two years. Back in February, my husband and I purchased a 1997 Ford Taurus from a local dealer for cash. On our way home, the transmission started slipping. I called the dealer, took the car to them the next day and they provided me with a loaner car while they worked on the one I purchased from them. My Taurus went back and forth to the dealer, each time thinking the issue had been resolved only for it to mess up again. The dealer was excellent in working with us. We were never without a vehicle, even towing a loaner to us when we broke down on the side of the road.

I have been with Esurance for almost 10 years, insuring two vehicles. During that time, I have replaced both vehicles. Last year in August, my 2004 Toyota Prius was totaled. I was devastated because it was almost paid off. As far as I'm concerned, the only replacement for a Prius is another Prius but I did not have enough money to buy another Prius. After almost 2 months, I bought a 2002 Honda Accord with cash. The next day, the transmission was discovered to be going bad. I took it back and got my money back. Then I bought a 2002 Volkswagen Passat Wagon. A couple of days later, I discovered there was something wrong with some sensors on it. I took it back and got my money back.

Auto Debit to Debit Card - My wife helped my stepson get insurance established with Esurance and gave them her debit card number so they could bill her. She specifically told them that this was to be a onetime charge and not to use as an auto bill payment method. She made 7 more payments and each time, she made sure that they understood it was a onetime payment and not to use as an auto bill method. On 6/11/2012, she noticed that her bank account had a draft of $83 from Esurance. She called them and went through two people to try and get their mess fixed. They did not want to cooperate and refused to reimburse. She had to get a new debit card issued because she was afraid they would try to bill her again. I would not recommend Esurance to anyone. If they will do this to their customers there is no telling what kind of issues you would run into if you had to file a claim.

I have been a loyal Esurance customer for two years. My policy was just cancelled at the end of my fourth term with them because I paid two to three days late more than one time. When I told them their online website for payments was working for several months, and I had to call for tech support, their reply was that paying online was an option, that they had auto bill pay I could have set up. Was this supposed to mean that if their online payment system wasn't working, that I would pay the consequences? This is outrageous! Not only that, but they have my billing date wrong in their system (26th) when all the email notifications said the second of the month. I would not recommend Esurance to anyone. I would hate to think what would have happened if I ever made a claim!

Not being an insurance salesperson, I called Esurance and told them what I wanted in my policy. I wanted to have exactly what I had in my other policy so I could compare the policy. They asked what I was paying and came back with great discounts and a much lower rate. That rate went up each time I renewed and is now equal to where I was when I started. I trusted them to give me what I told them I wanted in my coverage. But when someone threw a brick into my daughter's car, I found that that I didn't get the coverage that I asked for. The price is not worth it for this company. Please, when you have a problem, contact FTC.org and make a complaint! This bait and switch needs to be addressed. Did me telling them I was going to report them matter? Nope! They asked if I wanted to add the coverage for 69 dollars more. Wow, the balls!

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.

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.

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.

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.

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!

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!

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.

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.

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.

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 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.

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.

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.

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 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 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.

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.

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:

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.

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.

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!

I was in a car accident where the Esurance customer was at fault. Esurance called me that day to get my statement. I called several times after that, to find out what was going on and no return calls. After the person who declared my car's total left a message on my home phone, I called the adjuster again with no return call. I finally called the total loss department who told me that I could pick up my car. I spent $846.60 to pick up my car. My car which I had just bought 5 months prior, was worth $6,500.00. Two months later, I received a letter telling me that they can't get the police report. So I, without a vehicle, got the police report and faxed it to the fax number the total loss department gave me.

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.

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.

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 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 Esurance's clients hit me on Oct. 19, 2009. She was driving a rental car from Hertz. Esurance's adjuster came out the first of November. I have not heard one word from them since. I left messages and no one returned my calls. I have contacted so many people and they kept giving me to someone else. The last one was Sonja ** at 800-631-0089, which I might add is no longer a valid extension. I called three days ago and was instructed that she would call me back within four hours. I was told to call her manager, Andy **, if she did not call within four hours which I did today (12-4-09). I couldn't understand his message at extension **, which was 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 and 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. My claim number is **. 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 independent medical doctors for Esurance after the 2nd accident, one a chiropractor and the other a physical medicine and rehab doctor.

I got this auto insurance via website in March ‘09 because it was cheaper than the one I had. I paid the full six months policy with my debit card, a sum of $1,055. 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 happened into the insurance policy. On June 23rd, 2009, I got a voicemail from a call I couldn't answer because I’m at work. I called back and whoever answered explained to me that because my son has a driver license, live at home at that time and had used one of my cars and had a car accident, I had to add him on the policy with a cost of $580. I said I don't have $580 on my check account. At this time, I can't pay. I told her, “I'll add him on my renewal; in Aug. ’09, if I'm not wrong, is when I need to renew, right?” She answered , “Yes. By Aug. 1st is your renewal.” I asked if they have an offer that gives a discount to add my son as a high school graduate with summa cum laude (excellent grades).

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 inquired 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.

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 repeatedly that the car was totaled so the first dealership did NOT write an estimate for the damage because they assessed the car to be a TOTAL LOSS and it should be totalled. Esurance, KNOWING this took the car to Copart where we all know totaled vehicles are stowed.

First insurance policy had the wrong effective dates due to customer service rep error. Even though the policy was cancelled after only one hour, Esurance still charged me $15.00, which they promised to return but never did.

They don't pay claims. It's been six months and I still have not been paid for my stolen car. Every time I call, it's 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.

My first comment has been posted. I'm 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 was no refund check with this letter. I called Esurance to advise that the promised check was 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 responsibility for their 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 and 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 am now 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. Lo 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 withdrawals 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 24 hours 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 that I was to get back to her with more information. I nicely explained that I called daily without hearing from her. Her response was, "Okay, okay, my son was sick and I was out a few days."

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 than 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 proceeded 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.

Worst car insurance company ever. If you were with them, good luck. They will never pay you after the accident. My accident occurred in 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 on the freeway by a hit-and-run driver who was insured by Esurance. They were traveling 80+ mph when I was hit. I was traveling 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.

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!

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.

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!

I received a quote online 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 online. I declined and stated I would purchase the policy online.

I am sick and tired of the cost quoted to me. Entirely too 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 than 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?

I bought a six month policy and agreed to only a six month policy but after six months they decided to renew my policy without my approval. In the contract Esurance has all their clients sign, nowhere does it state about revolving coverage without approval! After two hours on the phone no one could explain this legal loophole. They told me that they sent me an email stating that my coverage would roll over unless I called and canceled it. But I never gave permission for them no roll it over. Nowhere does it say anywhere in my contract or anywhere on their site that policy roll over. Corporate couldn't explain why this loophole exists. So I am contacting an attorney to file a class action suit against them. I researched online and found there was over 100,000 claims with the same problem.

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 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.

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 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.

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.

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.

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.