Esurance

Save up to $379 on Your Auto Insurance. Compare Quotes from Top Providers Now! Find the Best Deal and Apply! - Adv.

Select an insurance Auto and Home Auto Home Life Health Long Term Care Are you currently insured? Yes No Enter ZIP Esurance • Consumer Complaints • Esurance Responds

Udit of Arlington VA (12/03/08)
my car was hit from the back on the highway three weeks ago. The person at fault was given a ticket and his insurance company (ESURANCE) is suppose to take care of the damage to my car. I called them four times and left voice mails. Fifth time finally the insurance agent picks up the phone and tells me that she is investigating and let me know when she has an update for me. I ask her to give me a timeline and she tells me she will let me know when she has an update. Its been two weeks since that last conversation and she has not responded back. My rear bumper is still damaged and I have no clue about the extent of damage to the car. My thanksgiving weekend got screwed up. Esurance is not ready to do anything about it.

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

Alice of Los Angeles, CA December 2, 2008

Alice of Los Angeles CA (12/02/08)
I purchased a 6-month policy in March, 2008. On October 23, Esurance sent an e-mail stating that my policy was up for renewal on December 9, 2008 and that I would be contacted 5 days before the money was taken from my account. On SUNDAY, November 30, 358.90 was debited from my account. I did not authorize this. I did not receive the 5 day reminder. I also do not have my money. I have cancelled the policy, so now I am out of the money and the insurance. Esurance claimed they were processing my request on Sunday, 11/30, again on Monday 12/1 and, again this morning, Tuesday 12/2, I was smugly told that it could take up to 30 days to get my money back!

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

Ryan of Delray Beach, FL December 1, 2008

Ryan of Delray Beach FL (12/01/08)
I received a quote on-line that included bodily injury coverage which isn't required here in Florida. So I called an agent who said I cannot decline Bodily Injury Protection. I asked the agent if he was sure because I have in the past and was told thank you and transferred. The second agent said she couldn't help me and transferred me. The third agent said I indeed could but I would have to purchase the policy, send an email declining bodily injury coverage, and receive a refund for the Bodily Injury Premium. The agent on the phone gave me a higher quote than I had received on-line. I declined and stated I would purchase the policy on-line.

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

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

Al of Irving, TX November 12, 2008

Al of Irving TX (11/12/08)
I am sick an tired of the cost quoted to me. Entirely to high. You need to consider making a cost just for the employers but the employees. A cost in the range of 80.00 to 100.00 is a good cost for health insurance not 500.00 900.00 a month. This is silly and needs to be stopped. Congress will be notified about you over charging for health.

Carol of Aurora, CO November 9, 2008

Carol of Aurora CO (11/09/08)
Esurance issued me a 6 month policy back on July 13th, 2008, renewal date of November 15, 2008. The rate on the July 2008 policy was substantially lower then the new rate, even after continuous insurance coverage, and a perfect driving record. The policy was then billed, without my consent or notification on November 4th, 2008. After shopping for groceries this afternoon, when I went to check out my purchases, my card was declined. Is there any way I can get a court order to subpoena email records of notices they supposedly send out?

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

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

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

Martha of Ingleside, IL October 28, 2008

Report Your Experience
If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. All complaints are reviewed by class action attorneys and are considered for publication on our site. Knowledge is power! Help spread the word. File your consumer report now.

Share		Follow us on Twitter.

Back to the top |