Compare Esurance vs. AIG Insurance

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Esurance and AIG are both huge, successful companies in the insurance industry. Esurance was founded in 1999, and AIG was founded earlier in the century in 1919. Both companies have a wide selection of discounts and are comparably strong in terms of financial strength ratings.

While Esurance offers a great online platform with helpful reps, AIG is too large a company for its agents to build rapport with clients. AIG has received low ratings for customer service as has Esurance for its seemingly unreliable roadside assistance program. However, Esurance is a subsidiary of Allstate, so its ratings and reviews are much stronger.

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.

Best If/Worst If

  Esurance AIG
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
AIG
  • You want a wide selection of insurance products
Worst If Esurance
  • You want excellent roadside assistance
AIG
  • You want to establish close, strong relationships with your insurance agent--the company is so big that forming connections can be difficult

Special Car Insurance Discounts

Esurance AIG
Esurance

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.

AIG

AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. 

Standard Car Insurance Discounts

Bundling Coverage Discounts Esurance AIG
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance AIG
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Esurance AIG
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance AIG
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance AIG
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance AIG
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance AIG Insurance
2016 48 11
2015 67 29
2014 47 22
2013 43 17

U.S. Auto Insurance Shopping Study (2016)

Esurance AIG Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative --
Insurer Website Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

Esurance AIG Insurance
Overall Satisfaction Below average
First Notice of Loss Below average
Service Interaction Below average
Appraisal Below average
Repair Process Below average
Rental Car Experience Below average
Settlement Below average

Financial Strength Ratings

Esurance AIG Insurance
A.M. Best A+ A-
Moody's -- A1
S&P's -- A+

Mobile Apps

Esurance AIG
Esurance

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.

AIG

Roadside Assistance

Esurance AIG
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

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

AIG