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.
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.
This 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.
This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.
This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.
You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.
You can get this discount if you attended or are an alum of a Pac-12 school.
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.
Comparing quotes is the best way to get your lowest rates from top insurers like Esurance and AIG. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| 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 |
| Esurance Auto Insurance | AIG Auto Insurance | |
|---|---|---|
| 2016 | 48 | 11 |
| 2015 | 67 | 29 |
| 2014 | 47 | 22 |
| 2013 | 43 | 17 |
| Esurance Auto Insurance | AIG Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | -- | |
| Insurer Website | Among the best |
| Esurance Auto Insurance | AIG Auto 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 |
| Esurance Auto Insurance | AIG Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A- |
| Moody's | -- | A1 |
| S&P's | -- | A+ |
Esurance
Esurance MobileThis app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android. |
AIG |
Esurance
Esurance Emergency Road Service coverageEsurance 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 tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA. Emergency Road Service is only eligible for Esurance covered vehicles. Roadside Assistance Phone: 1 (888) 374-6472 |
AIG |