Esurance Reviews

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

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

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

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

Fortunately, we caught on before being ripped off.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Charged $61.95 to my credit card

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Thanks for the major hassles ESURANCE!!!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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