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Consumer Benefits: Why Esurance Is in Business
All aspects of the Esurance Experience are designed with the customer in mind. While Esurance's technology is state-of-the-art, the company's customer commitment represents a personal way of doing business that some might call "old-fashioned."
Maximum Convenience
Esurance's award-winning Web site is a one-stop shop for consumers researching and buying their auto insurance online.
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Quote. Buy. Print.®: Esurance customers can get a quote, buy their policy, and print their insurance cards all online. Esurance has significantly shortened the buying process by verifying driving records, claims histories, and consumer report information in real-time.
Comparison Rates: In the true spirit of saving customers time and money, Esurance offers online comparison rates from other companies. Esurance even helps customers buy whichever policy is priced right for them— even if it’s from one of the other companies.
Online Policy Management & Claims Reporting: Esurance policyholders can update their policies, access their insurance documents, and print new ID cards online anytime. Policyholders can also report minor claims online.
Convenient Access to Other Insurance Products: Esurance partners with great companies to provide reliable coverage on a full range of products, including home and renters insurance, health insurance, life insurance, and motorcycle, boat, and ATV insurance.
Round-the-Clock Customer Service & Claims Handling: Because everyone’s schedule is different, Esurance’s customer service and claims handling is available 24 hours a day, 7 days a week, 365 days a year.
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The Environmental Factor
At Esurance, our motto, “save some green,” isn’t just about saving customers money, it’s also about our commitment to the environment.
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Paperless Customer Experience: By making documents available online and communicating with policyholders by email, Esurance saves millions of sheets of paper every year. We estimate that these practices have saved over 2,748 trees since 2000.
Sponsorships: Esurance is very proud to work with several organizations that improve and beautify our environments. Our support of these organizations has led to the planting of approximately 70,000 trees.
Hybrid Vehicles: Esurance employs hybrid claims vehicles in areas where they're available.
Erin Esurance: Our "spokesperson," Erin Esurance, also promotes the environment by driving a hybrid vehicle and fighting off villains such as tree-killing robots and Dr. Botanicus, who wants to reverse photosynthesis.
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Reliability
Personal auto insurance is a highly
regulated industry in the U.S. As an insurance company, we are required to have a
certain amount of money in the bank to pay potential claims. Esurance's
financial strength is rated "Excellent" by A.M. Best, an independent assessor of
an insurance company's ability to pay claims.
Esurance is owned by White Mountains Insurance Group, Ltd., a holding company with
billions of dollars in assets.
Tailor-Made Savings
A focus on keeping rates competitive is imbued in all aspects of Esurance's operations.
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Keeping Costs Down: By leveraging technology to streamline cumbersome and costly insurance processes, Esurance reduces operating costs: a savings that gets passed on to consumers in the form of lower rates.
Refining Pricing and Underwriting Models: Esurance has moved away from pricing and underwriting models based on general attributes, and has created its own highly segmented pricing and underwriting programs. Because of Esurance's highly granular segmentation, its customers receive rates that are tailored specifically for them.
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Informed Consumers
Consumer education is an important corporate responsibility, particularly in the confusing world of auto insurance.
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Learning Center: As part of its efforts to explain insurance in "plain English," the Esurance site features an online Learning Center comprised of Frequently Asked Questions, an auto insurance glossary, informative articles (called Esurance Insights), and an interactive Coverage Counselor.
Esurance Insights: Esurance encourages safe driving, insurance awareness, and environmental stewardship through its "Esurance Insights," articles highlighting important topics related to cars and drivers.
Esurance Coverage Counselor: Consumers can also get extensive insurance guidance by using the Coverage Counselor, an interactive tool that helps customers choose the coverages, limits, and deductibles that best meet their needs.
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