Esurance DriveSense Review: Automatically Get a 5-10 Percent Discount

There’s a new telematics device on the market to rival the existing Progressive Snapshot.

It comes courtesy of Esurance, the online insurance company acquired by Allstate a few years back.

What kinds of insurance coverage does Esurance offer?

Esurance offers the liability coverage (bodily injury and property damage liability) most states require by law, as well as collision coverage and comprehensive coverage.

Additional coverage options include personal injury protection or medical payments coverage, uninsured/underinsured motorist coverage, GAP insurance, rental coverage, and roadside assistance.

Along with auto insurance coverage, Esurance offers motorcycle insurance, homeowners insurance, renters insurance, and more.

Note: DriveSense is only available for non-hybrid and non-electric cars with model years of 1996 or later, but you might be able to get a separate hybrid discount.

Put simply, when you connect DriveSense into the ODB-II port in your car, the company is able to track your driving.

They tend to focus on the following driving habits:

– How much time is spent behind the wheel (mileage)
– Time of day
– Speeding
– Sudden acceleration
– Sudden braking
– Aggressive lane changing
– Fast cornering

This is similar to Snapshot, which uses these same factors to determine if your policy premium can be reduced.

And it’s much more accurate than simply asking you how many miles you drive each year, or just relying upon your driving records.

As the data is compiled, it is sent to your personalized website where you can monitor and analyze your driving habits on the DriveSense dashboard.

From there, you can ostensibly make changes to maximize your savings, assuming it identifies any high-risk behavior (events).

What do you get for signing up?

Esurance is offering an automatic discount of five or 10 percent depending on the state you live in.

This discount is in return for letting them track your driving habits. Once they track your driving using the device, you’ll be eligible for a discount each policy term based on your actual driving.

They claim that the safer you drive, the more you’ll save, and that they won’t raise your insurance rate based on program participation.

However, it is possible for your premium to change if your DriveSense discount changes.

Your ongoing discount is based on your driving habits, so it could go up or down from term to term, and if you don’t drive safely, you may not earn any discount via the program.

You can maximize your savings by driving less, driving more slowly and carefully, and avoiding late-night driving. The app will penalize you for driving over 80 miles per hour.

You can always check your current discount by logging in to the website.

[How are auto insurance rates determined?]

Where is DriveSense available?

At the moment, DriveSense is available in 31 states. It is notably absent in large states like California, Indiana, Maryland, Nevada, New Jersey, New York, North Carolina, Tennessee, and Washington.

But it is available in Florida, Georgia, Illinois, Iowa, Ohio, Massachusetts, Michigan, Missouri, Pennsylvania, Texas, and Virginia.

They plan to add more states in the future, so be sure to check the Esurance website from time to time to see if your state gets added to the list.

How else can you save money on Esurance auto insurance?

In addition to the DriveSense program, Esurance offers a variety of discounts you can apply to your auto policy. These include:

• Safe driver discount
• Anti-theft device discount
• Multi-policy discount
• Defensive driving course discount

There may be additional auto insurance discounts available depending on where you live, so make sure to ask about this when you get a quote from Esurance.

Getting a Handle on the Claims Procedure at Esurance DriveSense

Ease of Filing a Claim

Esurance offers multiple channels for filing claims, making it convenient for policyholders. You can file a claim online through their website, over the phone by contacting their customer service, or through their mobile app. This flexibility ensures that you can report a claim in a way that suits your preferences and needs.

Average Claim Processing Time

The average claim processing time with Esurance can vary depending on the complexity of the claim and the specific circumstances. However, Esurance is known for its efficient claims processing. They aim to handle claims quickly and provide prompt assistance to policyholders during the entire process.

While specific processing times may vary, Esurance’s commitment to timely resolutions is a notable feature.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is crucial when assessing an insurance company’s claims process. Esurance has received positive feedback from many policyholders regarding their claim resolutions and payouts. Customers have reported satisfaction with the fair and timely handling of claims, which contributes to the overall positive reputation of the company.

Esurance DriveSense Trailblazing Digital and Technological Advancements

Mobile App Features and Functionality

Esurance offers a user-friendly mobile app with a range of features to enhance the policyholder experience. The app allows users to manage their policies, access digital ID cards, make payments, and even file claims directly from their mobile devices. It provides a convenient and efficient way for customers to stay connected with their insurance coverage on the go.

Online Account Management Capabilities

Esurance’s online account management capabilities provide policyholders with easy access to their policy information. Through the online portal, customers can view and update their policies, track claims, make payments, and explore additional coverage options.

The platform is designed to empower users with the tools they need to manage their insurance needs conveniently.

Digital Tools and Resources

Esurance offers a range of digital tools and resources to assist policyholders in making informed decisions about their coverage. These resources may include insurance calculators, informative articles, and educational materials.

By leveraging digital tools, Esurance aims to provide customers with the knowledge and resources necessary to navigate the complexities of insurance effectively.

What’s the bottom line?

For the record, participation in the DriveSense program is free, but they will charge a fee if you don’t return the device after opting out or canceling your policy.

If you do opt out, you’ll lose the associated DriveSense discount, but your Esurance car insurance policy won’t be affected otherwise.

For those wondering how these telematics-based insurance products work, it’s probably best to check out the Snapshot comments for real-world feedback.