Esurance

I was esurance customer for over 8 years. Insuring multiple different cars under my policy over that time. Just to be completely disgusted by the company's actions. At the time I was having health issues and was stuck waiting the year or so it takes to finally get onto disability. Well I was going Going to be late on monthly payment. So I called the company to inform them. They told me that it was not a problem. Just to call and submit my payment. I told them the exact day i would be able to make the payment, they said that there wasn't an issue. So I called in on the day I told them I would, but they said that they couldn't reinstate my policy due to having an sr-22 on the policy. I asked why I wasn't informed of this when I called and advised them that my payment would be late. They had no reply to that. I spent days looking at every policy sipulations they had published on their website, the fine print in my policy agreement no where did i find anything saying they couldnt reinstate a policy because of an sr-22. So I attempted to get a new policy. Oh but they stopped making new policy's in the state of Oregon.

OK so I had an issue months back with them canceling my policy without informing me at all. No email nothing. But they were able to reinstate my policy then. I guess it's just on their discretion. I wouldn't recommend this company. They will knife you in the back when ever the opportunity arises or they will just cancel your insurance and you won't find out until you get pulled over and ticketed. Which in Oregon is a mandatory 1 year license suspension.

I added the terms & conditions as was sent to my by them. No where in there does it say anything about and sr-22.

Will look for any way to cheat you. Decision made before they saw accident report or sent an adjuster!

Here are some things you need to know about esurance before buying one of their policies. The initial quote they give you includes a 10% 'new customer' discount, so please realize your premium will increase by 10% after your first six months; esurance does not tell you this upfront. They also charge a $50 fee if you cancel your policy, they do not tell you this upfront either. Regardless of what they say after the fact, charging a 'cancelation fee' is not standard industry practice, and even esurance's parent company, Allstate, does NOT charge a cancelation fee.

Ok now that you are informed on two important points here is my personal experience with esurance.

I signed up for the drive sense program to have my driving monitored for an additional discount. I had a similar program through progressive insurance and I got 30% off my premium, and after 6 months of monitoring I didn't have to be monitored anymore. With esurance I was charged $100 for not starting my car often enough, insane! I called and was told I had to start my car weekly for them to monitor it. They refunded the $100 and I started turning the car on at least once a week. A few months later they automatically billed my credit card for $100 AGAIN for not driving enough, wow. Another call and they refunded the $100 again and I was now told I had to drive at least 30 minutes once a week. Not just turn the car on and idle for 5 minutes, as I was previously told by them. After all of that hassle my premium actually INCREASED and they were unable to tell me the percentage discount I was receiving for being in the drive sense program. In the end drive sense was worthless and a huge hassle.

After 18 months I was up for my 3rd renewal. My premium increased by almost 30% and I was told they had increased the premiums statewide. On top of that they started questioning my parking address as I stay at two homes in neighboring cities when taking care of my grandmother. They insisted on a credit card bill as proof of residence. I gave them a credit card statement and they then said it wasn't sufficient proof. They then automatically billed my credit card for a six month renewal with a hefty increase for the zip code change, one city over.

At this point I was obviously extremely fed up. I found a better rate with another company and started a policy. I called and cancelled my policy with esurance. I had been insured under my most recent renewal for less than 2 weeks, out of 6 months they billed me for. After they prorated the two weeks and then charged me a $50 'cancelation fee' (that I had never been told about). My refund was reduced by a huge percentage. I was charged $90 by these crooks for less than 2 weeks coverage, this with no accidents, no tickets, and a device plugged into my car for a supposed additional discount.

In my opinion avoid this company. They might be backed by Allstate, but they are horrible. I never had to file a claim, but I can only imagine the hassle it would have been based on their customer service and policies.