We could save $400/year if we switch. Has anyone had positive/negative experiences with them? Are you able to reach someone in case of an accident in a timely manner? Thank you in advance.
Experiences with Esurance?
Until recently, I had been with them since 2001. I've had to make claims 4 times over the years. In 2001 -2004 I had 3 claims (my xh had a serious accident every single year of his driving life! We divorced in 2004. lol) Then I had my last claim in March 2012 - when my car was broken into. I had both renters and car insurance from them the whole time. When they were a new company, still proving themselves, their claims dept was sooo amazing! Their response bought my unwavering loyalty for a decade. In March, I tried to file a claim on the break in and it was refused. The car insurance and renters insurance are handled by different departments. The car insurance dept said it was covered by renters insurance. The renters insurance dept said it was covered by car insurance. Both refused to accept a claim because the other policy was supposedly the one that applied.
It's a mess, and the short version is that they won't even accept a simple claim (really, it's not complicated. There's video footage, police reports, etc. and we had the max coverage they offer). We've changed companies and the only way we see any benefit for all the money we've paid out is if in court. =/
I do not recommend esurance!