It’s scary to be unprepared for a vehicular emergency. Fortunately, companies like Esurance offer roadside assistance coverage so that you’re always ready for a breakdown. In this article, you’ll find the scoop on Esurance, its benefits and coverage, and helpful tips on whether Esurance roadside assistance is right for you.
What is Esurance?
Owned by Allstate, Esurance is an automobile and home insurance company. It offers a variety of vehicle insurance plans and benefits, from basic coverage to complete vehicle and passenger insurance. This company is notable because all transactions, from quotes to claims, take place online. There’s no need to go through an agent, which makes insurance easier to handle. Esurance is available in most states, but not all, so make sure to check if your home state is covered.
What’s Included in Esurance Roadside Assistance?
Customers with Esurance roadside assistance can ask for service around the clock. The service covers things like towing, battery jump starts, flat tires, lockouts, fuel delivery, and other common vehicle issues. However, if a vehicle breakdown is due to a more major problem, like engine failure, Esurance will not cover the cost of that larger repair. The basic plan also does not cover any on-site labor, winching, or refunds on trip interruption costs.
For each separate incident, the company offers up to $75 in coverage, paid directly to the provider. You’re also limited to between three and six usages per year, or $450 in coverage, depending on your state. Esurance also has a free emergency road service tracker, which uses your location to help your rescuer find you.
Why Should You Get Esurance Roadside Assistance?
Here’s what may make you want to get Esurance roadside assistance:
It’s free if you already use Esurance as your insurance provider
Unlike most roadside assistance services, Esurance provides free roadside assistance if you already have Esurance comprehensive and collision insurance. You don’t even have to pay a premium to add the service. If you have basic coverage with Esurance, you can add roadside assistance for an extra $25 per year for each vehicle, which is still a great deal.
You’ll be prepared in case of an emergency.
Vehicle breakdowns always seem to happen when you’re least prepared for them. If you have roadside assistance coverage, you can rest assured that you will always have a safety net in case of a breakdown. You simply have to call the Esurance roadside assistance number or use the mobile app to request assistance, and a tow truck or other servicer will be sent out to help you right away. If you want to call your own service provider, Esurance will still reimburse you if you send them the receipt.
Esurance offers flexible mobile management
True to their name, Esurance makes it easy to handle your insurance on your web browser or on their Esurance Mobile App. You can track your payments, file claims, and do everything necessary to manage your coverage from your phone. This makes for less paperwork and less hassle about your insurance coverage.
With Esurance roadside assistance, you can also save money
Esurance offers special discounts on certain automobile insurance-related payments. Examples include a 10% discount when you pay your automobile premium in full instead of monthly or discounts on your first few payments when you make the switch to an Esurance plan.
Esurance roadside assistance also offers a pay-as-you-go option
If you’d rather, you can pay for Esurance roadside assistance per incident instead of in an annual payment. The charge ranges from $75 to $150, but it can be worth it if you have a reliable make and model of vehicle.
You can purchase a roadside assistance extension
For a charge of between $100 and $200, you can get extra benefits, like trip interruption coverage, higher towing reimbursements, and road hazard benefits. You’ll be even more prepared in the case of an emergency.
Why Shouldn’t You Get Esurance Roadside Assistance?
Here’s why you may not want to get Esurance roadside assistance:
Their roadside assistance option is only available to policyholders
Esurance may be a great deal if you’re on one of their insurance plans already. However, if you’re happy with your current insurance provider, then you may not want to switch in order to get this benefit.
According to some experts, Esurance roadside assistance is not as reliable as some of its competitors
Esurance is reported to have backed out of claims, and it does not have many options for customizing your plan, especially as far as roadside assistance is concerned.
The coverage is somewhat limited, compared to other providers
Esurance only offers $75 in claims per breakdown, so the rest of your costs will end up being out of pocket, which may be difficult for some. There are also some issues that Esurance basic roadside assistance does not cover, such as battery charge for electric vehicles and coverage on vehicles such as RVs, trailers, and motorcycles.
You may never break down
If you have an emergency fund set aside in case of things like engine failure and flat tires, then any roadside assistance coverage that you have to pay for may be a waste of money for you. This, of course, depends on whether you’re able to set aside enough for emergencies.
You can only request service for vehicles on your plan
Rather than working on a membership basis, where the coverage is linked to the driver, Esurance roadside assistance is connected to the vehicle. So anyone driving the vehicle on the plan can request assistance, but if you’re driving an uncovered car, Esurance will not provide roadside assistance to you. This may be a drawback for some, depending on the individual situation.
Overall, Esurance is a solid, reliable, and affordable option for roadside assistance coverage. The ease with which you can manage your insurance makes this company an attractive insurance provider. For a small price, or even completely free, Esurance can give you peace of mind wherever the road may take you.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.