I've had ESURANCE for about a year and half now and I haven't had any problems. Granted, I haven't had any claims. The only thing we've had is our windshield cracked twice (a rock broke it both times) but that was a easy process as the insurance covered the whole of it. I like ESURANCE because it's easy and I can do everything online. I've called customer service a few times with coverage questions and they've always been very, very helpful. To be honest I was really suprised at all these negative reviews on Credit Karma! I would recommend them and DO recommend them to close friends and family. Insurance claims can be a hassle regardless of your insurance carrier, so I think the trick is to just be patient and understand that a lot of it is beyond your control.