I just have to say that Esurance is the worst insurance company I've ever dealt with. And I've had several policies with various companies.
I needed to insure my car for a cross country shipping trip it would be taking, so I went online to look around. Mind you I was very pressed for time (I had about a week to plan and move everything from Cali to NY) so I didn't pick the cheapest policy. I went with one that I had heard mentioned a few times.
After getting a quote for approximately $200 per month (which was with full coverage and one accident from 2006), I was billed for DOUBLE that amount the next day, which I would not have been aware of had I not gone into my online account to print out my insurance card. When I called to inquire about the increase and hopefully get a refund, they claimed that I had another violation that came up and this made my policy increase $200 a month! So I asked if they would just take off the comprehensive and collision coverage and refund the remainder.
The guy agreed. I think all is fine. And since I am pressed for time now, later I will research better companies and get my rates lowered. I just want the car to be covered during it's move for the most part.
So now I'm in NY, it's about a month later and I get billed by them for $95, which causes my checking account (which had been drained from x-mas and moving expenses) to overdraw. Also, my refund has not gone through.
So I call and ask what's going on. I get a very RUDE and insensitive reply from a customer service agent saying that they sent a paper check refund to my old address and it got sent back to them (even though I paid with a debit card so it should have been refunded to the card) and I was not notified that the check had been returned. They had my phone number and my email address.
I ask why this has happened, and can they just credit my debit card instead with the money I asked for over a month ago. The guy becomes more rude and keeps repeating himself over and over in a more harsh tone not even answering my question until I ask to speak to the manager.
I get the manager on the phone. I ask him to review the account and explain to me why I have paid over $500 now for insurance for ONE MONTH.
After hearing him give me some corporate runaround about quotes being different from actual prices (which is unfair business practice since they should have notified me of the increase before subtracting payment from my card since I did not agree to the $400 but rather the $200), I ask him to finally just cancel my account altogether and send me a refund for everything BUT the month that I was covered under. He agrees, and says he'll put a rush on the check so that it should arrive in two days by FedEx.
About a week later (of course) I get a check for about $250. I call back and ask to speak to another manager since the underlings have proven themselves to be incapable of problem solving. I get another one this time - a woman. She informs me that my policy wasn't supposed to be canceled until February and that previous manager didn't enter the right date.So I ask again for a check for the remainder of the CORRECT AMOUNT THAT I AM OWED. She says she will send one for about $190.
About 3 days later I receive a letter saying that my policy will be canceled in February. I call and ask what this means since I have asked TWICE for them to cancel it on the day that I called. She says it's just a paperwork error and I should ignore it. Okay.
So another week goes by and I get a check for $115. I call again and ask what happened to the rest and they claim they deserve a $50 cancellation fee!!!!
I'm just leaving it at that. I don't have the energy to fight this company anymore. And the shitty thing is that EACH time I spoke to a representative or a manager, I have calmly explained my situation and complaints without being bitchy and each time they IGNORE ME. No apology, not so much as a comment really.
FUCK YOU ESURANCE. Really. Fuck you with something hard and sandpapery.
I am now with State Farm, only paying $140 for full coverage and that's with ALL accidents and violations reported.


So I ask again for a check for the remainder of the CORRECT AMOUNT THAT I AM OWED. She says she will send one for about $190.
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Sorry you had to experiance this. I had esurance about 3-4 years ago. Had it for about a year and even filed a claim through them Never had a promblem, but a lot can change customer service wise in that span of time.


Thank you so much for telling us about esurance. I will be sure to avoid them. I've had a lot of nightmare experiences with other businesses(HSBC, Capital One, Macy's, the shitty pizza place near my day job, etc), so I can relate and hopefully I can avoid another bad experience by not using esurance now!


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