I started my search for automobile insurance with Geico and after the amount was too high I went to Esurance.com. After i received a quote and my payment was taken, my monthly payment increased two times. I was told that the state of FL by law would not let me cancel with in 60 days and that i would be charged a fee. I could not afford the new payment but i stuck it out and when my 60 days was up i sought more affordable insurance, a 100 dollars a month cheaper to be exact, and canceled the policy with Esurance. They still charged me a 10% cancellation fee after the 60 days of $84 dollars. I would not recommend this insurance company.

In an effort to simplify our lives and save a few bucks, my wife switched our vehicle insurance to eSurance in May 2008. I was skeptical-I like to be able to visit an agent in-person if need be-but everything seemed okay at first. Several months later, I was involved in a motorcycle accident. It was the first accident I had ever had, and I'm 45 yrs old. I suffered no injuries, and the damage to the bike was minimal. In fact, under MN state law, this was not even a reportable accident. As it was an old bike I had elected to hold only liability coverage, so no claim was made.

However, the police did come to the scene, ask for proof of insurance, etc - and I gave them my eSurance policy number. This is standard practice, and it appears they wrote a report and submitted it to the state despite the fact that its circumstances did not meet the statutory threshold for reporting. Several months later, I received a letter from the state advising that they had contacted eSurance to verify that I had coverage, and that eSurance had DEINED that I had coverage at the time of the accident. Subsequently, my license to drive was being suspended and the license plates on my bike were revoked and had to be surrendered.

I contacted the state immediately, and told them my story, and faxed them documents that I had, including the binder & credit card records of payments that proved I had paid the amount specified for that coverage. They were satisfied, and said they were familiar with problems of this sort with eSurance. They saw I had a perfect driving record, would have no trouble getting insured, and who in the world drives a motorcycle without insurance to save $60 a year? They said if I secured coverage elsewhere and gave them proof of having done so, they would correct my record.

Now here’s the rub: eSurance DOES NOT insure motorcycles! Yes, that’s right. They ACT like they do, and will SELL motorcycle insurance to you, but the company that underwrites the policy is NOT eSurance. So does eSurance tell you that at the time you give them money for your motorcycle insurance policy? No, they don't. Incidentally, they made a notation on my auto insurance with a code number which seemed to correspond to my purchase of motorcycle coverage, but looking at my insurance documents and cab card, motorcycle coverage is not specified. However, the difference between what I paid for my car and the total bill equals what I paid for motorcycle coverage.

So, when they were asked to verify motorcycle insurance was in effect, did they tell them that they had sold me a policy from another company - or refer them to that company to verify it was in force? No, they simply denied me.

Incidentally, I cancelled my coverage with eSurance immediately after securing coverage with GEICO - and I actually saved a lot of money switching to them. Two weeks later, I received a letter from eSurance advising me that THEY were canceling my coverage because I HAD A REPORTABLE ACCIDENT & HAD NOT REPORTED IT TO THEM, AND HAD FALSELY claimed to have my motorcycle insured by them. Someone want to tell me why I would have to report an accident to them if I DIDN'T have a policy with them in the first place?

Esurance is an absurd company, seems to cater to those with difficulty getting insurance coverage, and either intentionally obtuse or is just clueless. In any case, I do NOT recommend you ever purchase coverage thru eSurance - and caution anyone who must deal with them or their insured persons related to a claim.

I had insurence with Esurance for six month, now I wish I didn't.
I had a ticket that I had taken care of and went to traffic school to have it off my record. To make it short, my point was on because the court had not updated the information so I had to go back to have them correct it. Once they corrected the error and taken off the point, I had contacted esurance to have the extra 100 dollars refounded back to me because that is what I was told when I spoke to a salesmen on the time of purchase. The lady I spoke to had laughed at me and said "oh, not all points are actually off the record, they stay on and that is how mine is". I requested her to look at my driving record again and refused, so I am out of a 100 dollers and lesson learned. NEVER again will sign with them and anyone who ask I tell them not to go with them. I hope they will be out of business ASAP!

My policy is not even a month in to the renew time and when I called to cancel it they charged me 10% of the remaining amount owed on the policy. I have never heard of any other insurance doing that and I have had at least four companies!