Compare Esurance vs. Titan Insurance

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Esurance and Titan are both well-known companies in the auto insurance world. Esurance was founded in 1999, and Titan was founded in 1926 under Nationwide Insurance. Titan offers a broad selection of driver discounts and flexible payment plans, but lacks a strong online platform for filing auto claims.

However, Esurance has an incredibly extensive online platform, as it mainly operates online. Both companies rank quite closely for financial strength and J.D. Power ratings.

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 Titan
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Titan
  • You want a lot of discounts and flexible payment plans
Worst If Esurance
  • You want excellent roadside assistance
Titan
  • You want to file a claim online (you can only file claims by phone with Titan)

Special Car Insurance Discounts

Esurance Titan
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.

Titan

Association Membership is a discount that is granted to customers who are active members of any club specifically recognized by Titan.

The Advance Quote Discount is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount helps save money when you add agricultural vehicles in your possession to your auto insurance policy.

Travelink Discount applies only to collision coverage and a vehicle that is individually owned by an employee whose employer is participating in an approved traffic mitigation program. Annual recertification is required.

EFT Discount saves you money when you opt to pay your monthly insurance premium electronically. Less paper wasted, more money saved!

Standard Car Insurance Discounts

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

Consumer Complaint Data

Esurance Titan Insurance
2016 48 1
2015 67 4
2014 47 4
2013 43 1

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Esurance Titan
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.

Titan

Titan Mobile allows you to find a local insurance agent, view your policy, pay premiums, and even get instant help with a claim. To download the app for iPhone or Android, click here

Roadside Assistance

Esurance Titan
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

Titan

Titan Emergency Roadside Assistance

Adding roadside coverage to your auto policy can greatly benefit you out on the road. Titan works with a network of nationwide roadside service providers to give you 24/7 coverage in the event of a breakdown. Roadside Assistance is purchased as an addition to your existing insurance policy with Titan.

Roadside assistance services include:

  • Towing
  • Tire change
  • Battery jump start
  • Gas delivery
  • Lock-out service
  • Vehicle extrication -(winching)