Compare Esurance vs. The General Insurance

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Esurance and The General are two widely popular names when it comes to auto insurance. Esurance was founded in 1999, and The General was founded in 1963. The General is known for providing low, affordable insurance rates for drivers with flawed driving records, but does not have a broad range of auto discounts.

Esurance also provides reasonable auto premiums, but lacks a reliable roadside assistance service. The General also received poor customer satisfaction reviews. Both companies are comparably strong in terms of financial strength.

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 The General
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
The General
  • You don’t have a perfect driving record but still want affordable insurance rates
Worst If Esurance
  • You want excellent roadside assistance
The General
  • You want good customer service and consistency

Special Car Insurance Discounts

Esurance The General
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.

The General

Standard Car Insurance Discounts

Bundling Coverage Discounts Esurance The General
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance The General
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 The General
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance The General
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance The General
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance The General
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance The General Insurance
2016 48 13
2015 67 14
2014 47 3
2013 43 4

U.S. Auto Insurance Shopping Study (2016)

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

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

Esurance The General Insurance
Overall Satisfaction Below average Average
First Notice of Loss Below average Average
Service Interaction Below average Above average
Appraisal Below average Average
Repair Process Below average Average
Rental Car Experience Below average Above average
Settlement Below average Average

Financial Strength Ratings

Esurance The General Insurance
A.M. Best A+ A-
Moody's -- --
S&P's -- --

Mobile Apps

Esurance The General
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.

The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

Esurance The General
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

The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service