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.
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They have the worst service ever. I don’t suggest anyone go this place unless you have so much money want to waste. I sign up a 6 month policy for my $9000 Hyundai which cost about $1500, and don’t have any coverage on anything. The bodily injury coverage is $15,000 per person and up to $30,000 per accident. This is the second month, I already paid about $600 . I called them last week about a hit-and-run happened on my car. Someone hit my driver side mirror. In the first call, the customer service told me my policy would cover it. So I made a claim. Then they called me back second day, called me my policy won’t cover it (deductible is $1000), but if I want I can keep the claim ( for what reason? Let them charge me more? ) So I had to close the claim, which left the claim history on my file. I asked them whether they will increase the insurance rate next time because of the claim. They said they don’t know. Apparently , it’s not their business, even though it was their fault. I found a better agent in my area. She is from Allstate where I can have an $1200 insurance covering everything including road assistance. Comprehensive coverage deductible is only $100. I just canceled the esurance plan. The company kept my money and told me only $130 refund can give back to me, which means I spent $470 on their one and a half month auto insurance ID rental service (I think the value of their company is to give you an auto insurance ID which you can show to police. That’s it.) And it will take them 10 business days to get the money back to me. (Are they mailing it to me? )