Let’s find out the perfect insurance company for you in this Esurance Vs The General comparison article. Today we will be reviewing discounts, cost, financial strength, and more.
A little history about both companies.
The General was founded in 1963, under the company name Permanent General Agency. In 2012, the General was acquired by American Family Insurance.
Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace founded Esurance Insurance Services, Inc. in 1999.
Best suited for:
Esurance -Do you desire low insurance and reasonable prices? If so, then Esurance might be for you.
The General – Are you considered a risky driver due to having too many points on your license from accidents and tickets? Do you needSR-22 Insurance? If so, then The General might be for you. The General is best suited for those who don’t have a good driving record and have been having a hard time finding auto insurance at affordable rates.
Car insurance rates comparison
In this article, you will not find the cheapest car insurance provider, but you will find two companies that are well-known for providing affordable rates for those who need insurance. On average, Esurance offers more affordable rates than The General. With that said, your monthly car insurance costs depend on a number of insurance factors such as discounts you are eligible for, age of driver, gender of driver, credit history of driver, etc. It is a must that you compare insurance quotes today.
Claims comparison – Insurance claims are extremely important. You want a company that is going to be fair in their claim settlements. You also want a company that is going to handle the claims process smoothly.
The General was not included in the annual J.D. Power Auto Claims Study. However, Esurance rated about average in the claims study with 3 out of 5 Power Circles in overall satisfaction. Esurance received 3 out of 5 Power Circles in every category except in the repair process. Esurance rated higher than Progressive, AAA, MetLife, Travelers, Farmers, and many other well-known insurance companies.
Customer complaints comparison – You need to have an insurance company that handles your claims and complaints well. Today we will be using Better Business Bureau.
The General has been a Better Business Bureau accredited company since 06/09/2005. BBB gave The General a rating of “A+” which says good things about how they handle customer complaints. The General received 3.92 out of 5 stars based on 11 customer reviews and a BBB rating of “A+.”
Esurance, Inc. is not BBB accredited. NR is not in the BBB rating system.
Financial strength – The financial strength of your auto insurance carrier allows us to know if the auto insurance that you desire has the assets behind them to pay any insurance claims. The more assets that a company has the better it will be for policyholders. To compare financial strength, we will be using a leading independent rating organization.
The General received an “A-” financial strength rating from A.M. Best.
Esurance received an “A+” financial strength rating from A.M. Best.
Insurance discounts from both insurance carriers.
Esurance discounts
Fast 5 – This is a simple insurance discount that most people are able to apply for. All that you need to do to receive this discount with Esurance is to start a quote online.
Multi-Policy discount – Bundling insurance policies with Esurance will result in special savings.
Paid in full – When you pay your entire insurance premium all at one, then you will be able to save up to 10% on your premium.
Switch & Save discount – When you still have car insurance at the time that you make your switch to Esurance you will save 5% off your premium.
Claim-Free discount – All drivers with at least 5 years of driving experience and 5 years without a claim or DUI/DWI conviction will be able to save 10% to 25% on your insurance premium.
Homeowner’s discount – Do you own a home or condo? If so, then you can easily save on your auto policy with Esurance.
Pac-12 discount – You are able to save up to 15% on your insurance premium depending on the college that you attend.
Schools eligible include:
- University of Arizona
- Arizona State University
- University of California at Berkeley
- University of Colorado Boulder
- University of Oregon
- Oregon State University
- Stanford University
- University of California at Los Angeles (UCLA)
- University of Southern California (USC)
- University of Utah
- University of Washington
- Washington State University
The General discounts
Select driver discount – When you have more than one driver listed on your policy, then this insurance discount will be available to you. Each driver on the policy must have at least 60 months of driving experience and a clean driving record for the last 36 months.
Multi-car discount – Insure more than 2 cars on 1 policy and you will be able to save with The General.
Military discount – This discount is available to active military personnel who are based in Louisiana and serving full-time in the Army, Navy, Marine Corps, Air Force, a Reserve Corp/National Guard or Coast Guard.
Good student discount – You must have a “B” average or higher to qualify. To be eligible for this discount you must send proof of your grades.
Double deductible discount – When you double your deductible on your collision and comprehensive policies during the first 45 days of your coverage, you will be able to take advantage of The General’s double deductible discount.
Driving training discount – With an approved driver course you will be able to save with The General.
Airbag discount – You will be able to save on your auto insurance if your vehicle comes equipped with airbags.
Roadside assistance
Esurance’s emergency roadside assistance service covers towing assistance, flat tire changes, gas delivery, tire delivery, water delivery, jump-starts, and lockout services.
The General does not have their own roadside assistance service. To get roadside assistance with the General you have to get it through the Nation Safe Driver membership for $10 a month. Services covered include towing, battery service, fuel delivery, and lockout service.
Mobile app comparison
The General Mobile app is not as beautiful as other insurance apps, but it’s simple to use. With the General Mobile app, you are able to pay your insurance premium bills, view your insurance policy info, have easy access to ID cards, have access to all important insurance-related contacts, watch The General commercials, and you will be able to receive a quote.
The simplified user-friendly Esurance Mobile app is filled with various awesome insurance features such as sign in using Face ID, see and send photos of your repairs, submit photos for a claim estimate, check your coverages, find preferred repair shops near you, and more.
Bottom Line
Both Esurance and The General are similar in many ways. However, they both have unique benefits that targets certain customers. I recommend that you take a minute to compare quotes to get the insurance provider with the best rates.