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Although they are interconnected companies, Allstate and Esurance each has its own place of power in the auto insurance industry. Allstate was founded in 1931, and Esurance was founded in 1999. Allstate actually bought Esurance in 2011, becoming its parent company. Due to this relation, Allstate and Esurance match up quite similarly in terms of financial strength and J.D. Power rankings. Both companies have superior financial strength, with A+ ratings from A.M. Best, and A+ ratings from the Better Business Bureau.
Allstate and Esurance both offer a wide range of auto discounts, but Allstate offers more being the parent company. While both companies have a wide client base, Esurance is at a disadvantage of only operating online. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.
Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.
Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.
Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.
Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.
Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.
|Bundling Coverage Discounts||Allstate||Esurance|
|Home and Car|
|Car and Life|
|Vehicle Type and Safety Features||Allstate||Esurance|
|Electronic Stability Control (ESC)|
|Farm or Ranch Vehicle|
|Driving Record and Insurance History||Allstate||Esurance|
|Accident Free/Good Driver|
|Long Term Policy Holder|
|Defensive Driving Course|
|Student, Professional, and Club Memberships||Allstate||Esurance|
|Organization or Club Membership|
|Farm Bureau Member|
|Days Per Week Driven|
|Paid in Full|
|Electronic Funds Transfer|
|55 and Retired|
|Overall Purchase Experience||Below average||Average|
|Call Center Representative||Below average||--|
|Insurer Website||Average||Among the best|
|Overall Satisfaction||Average||Below average|
|First Notice of Loss||Average||Below average|
|Service Interaction||Average||Below average|
|Appraisal||Above average||Below average|
|Repair Process||Below average||Below average|
|Rental Car Experience||Above average||Below average|
Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.
Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.
Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.
GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.
Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.
The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.
Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.
Allstate has 3 service options for drivers to choose from that offer different levels of service.
Allstate Motor Club - Platinum Elite Member $99/year
Good Hands Rescue
Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.
Good Hands Rescue app gives you:
Roadside Services Included
Towing & Labor Coverage
Can be purchased as additional coverage on your Allstate insurance policy.
Basic services include
Esurance Emergency Road Service coverage
Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.
Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.
Emergency Road Service is only eligible for Esurance covered vehicles.
Roadside Assistance Phone: 1 (888) 374-6472