Esurance Auto Insurance - Esurance

Company Overview

Esurance is a company that sells consumers car insurance directly to its consumers. The company's goal is to make it easy for consumers to shop for, buy, and mange their auto insurance plans. Through the use of technology coupled with traditional insurance practices, Esurance has found a way to save money for its customers along every step of the insurance process.





Company History

Esurance came into the auto insurance world in 1999 as a subsidiary of the White Mountains Insurance Group, Ltd. (NYSE: WTM). The company combines modern technology with an in-depth knowledge of the insurance industry in order to provide its customers with simple, easy-to-use coverage. Those who own Esurance policies can access customer service twenty-four hours a day, seven days a week. Claims are handled professionally and quickly at all times.



Why was Esurance created? The company's founders had been working in the insurance industry for many years. They consistently saw their customers paying too much for their car insurance coverage. On top of that, they realized that customer service in the car insurance industry was severely lacking, leaving customers without the help that they needed when they had to file a claim. With the internet gaining popularity and becoming a global entity, the founders felt like the best way to help their customers was to launch an online insurance company. Thus, in 1999 Esurance was launched as an internet-based car insurance company. The mission of the company is to make car insurance affordable and convenient for most drivers. Since the company is entirely online, there is no middleman to pay, thus saving people money when they shop for their car insurance. Esurance has received many awards for its excellent website, which was voted by Change Sciences Group as #1 easiest to use website in the car insurance industry in 2003.

Esurance was launched because there was no insurance company offering affordable, convenient, and dependable services. The company changed the normal way auto insurance was handled by creating a website that provides not only reliable insurance on the internet, but also outstanding customer service and affordable pricing. Esurance's goal has been to unite the best thinkers in the insurance and technology industries to create a website that is easy to use and will save customers money. The company's spokesperson and advertising icon is "Erin Esurance," the animated athletic super spy that is featured on their commercials. Erin works as an insurance agent, but each night she turns into a super spy, clearing the world of evil and informing them of the ways they can save with Esurance.

Esurance is in business for one reason only, and that is to provide consumers with a positive experience in all areas the company. The company has streamlined its operations to eliminate any unnecessary operating costs. These savings are passed on to customers as more affordable insurance rates. Also, Esurance constantly redesigns its underwriting models to allow customers to have access to the rates that best fit their unique situations. From shopping for a policy to purchasing it to making a claim, customers will find that it is easier when they partner with Esurance. The company's customers appreciate the fact that it is committed to doing business in a personal manner, giving customers access to customer service staff whenever needed.

Customer Offerings

Esurance is focused on making the customer's experience personalized and convenient. The company's award-winning website provides everything a customer needs to research and purchase car insurance online. The quotes Esurance provides are the fastest available on the internet, so customers can quickly compare quotes while they are shopping for their next policy.

Once the customer has an insurance quote, those who choose to purchase their policies on the internet can do so within a few minutes. Insurance cards can be printed at home after the purchase is complete. All necessary background and driving checks are done in real time, which means approval happens almost instantly.

Customers who need to access their accounts or change their policies can do so online whenever they need to. Replacement insurance cards can be printed from home any time as well. Minor claims can even be reported online. Since all documents are available on the website and customer claims representatives talk with their customers via email, the company runs with little impact on the environment. In fact, millions of sheets of paper are saved by the Esurance internet claims and selling processes, and the company has trees planted to help further its environmental efforts.

Customers who need to make a claim can do so any time of the day, every day of the year. Esurance's claims reporting facility never closes, which means that policyholders can get back on the road quickly after an accident. Customers are constantly praising the Esurance claims professionals and the process. To further the company's environmentally friendly business plan, claims vehicles are hybrids whenever possible.

Esurance also focuses on educating its customers. By creating a customer base that understands the insurance world, Esurance is able to save its customers even more money by ensuring that no one purchases more or less coverage than they really need. The website has an online learning center that uses common language to explain the world of insurance to consumers. "Esurance Insights" articles give customers insider tips on topics that affect cars and those who drive them, helping encourage drivers to be safe and environmentally friendly while on the road. The website even has an Esurance Coverage Counselor, which is an interactive tool that helps customers as they shop for their insurance policy. Every aspect of the Esurance customer experience is focused on educating customers while saving them money on their insurance policies.

Facts and Figures

Esurance is currently operating in 22 states, including California, Arizona, Colorado, Florida, Connecticut, Illinois, Georgia, Indiana, Michigan, Maryland, Minnesota, Nevada, Missouri, New Jersey, New York, Ohio, Pennsylvania, Tennessee, Texas, Washington, Virginia, and Wisconsin. The drivers that are covered in these states make up around 85% of the total driving population in the country. As such, most drivers in the United States today can benefit from Esurance's car insurance services.

The company's technology is constantly evolving to make the customer experience safer and more convenient. Esurance is currently transferring its website from an ASP/VB/COM+ platform to Microsoft .NET technology, which is supported by MS SQL Server. This will allow the site to handle a higher volume of data on the site, making data retrieval faster for the company's customers.

This year Esurance has also added a new Policy Administration system. This system allows the company to track the policy activity easier by utilizing a Pipeline design and Service Oriented Architecture (SOA). The technology behind the Policy Administration Service will soon be added to the customer site as well. "Smartflow" is the first phase of this implementation, and it is a service-oriented administrative program that allows the sales agents to present customers with customized, personalized experiences each time they come to the site. As customers input information on the Esurance website, the Smartflow framework utilizes a Front Controller design to quickly configure the website according to the information given by the customer. Also, Esurance has redesigned its correspondence program so that customers are provided with vibrant emails filled with quality content. Emails are also tracked and managed by Esurance's "Email Services" department, which helps email services to be reliable, leading to increased satisfaction from the company's customers.

Beyond customer service, the Esurance website also focuses on safety and security. Secure Sockets Layer (SSL) technology is implemented across the website system. Data encryption is also used to protect customers from identity fraud. On top of these security features, Esurance's website databases are mirrored and distributed for safety and scalability. Esurance also employs an outside website host to ensure that the site is available at all times of the day, every day of the year.

As a subsidiary of White Mountains Insurance Group, Ltd., Esurance is part of a publicly traded financial services company. As such, Esurance shares the parent company's commitment to providing excellent services that they are proud to present to their customers. Underwriting companies for Esurance Insurance Company and Esurance Property and Casualty Insurance Company receive A ratings from A. M. Best. Because of this, customers are able to rely on the Esurance insurance company when they need to make a claim.

Esurance is a registered trademark of Esurance. Esurance is not affiliated with, nor does it endorse or sponsor, the contents of this webpage or the QuoteCarInsurance.com website. Trademarks referring to specific providers are used by QuoteCarInsurance.com for nominative purposes only: to truthfully identify the source of the products about which information is provided. Such trademarks are solely the property of their respective owners.