Comparing quotes is the best way to get the lowest rates from top insurers like Esurance and The Hartford. QuoteWizard is an independent company that helps you find the right policy at the best rate.
Esurance and The Hartford are two comparably strong companies in terms of auto insurance. Esurance was founded in 1999, and The Hartford was founded more than a century earlier, in 1810. Both companies rank quite equally in terms of financial strength and have a wide selection of auto discounts. The Hartford has exceptional J.D. Power ratings and offers even more discounts for AARP members, while Esurance provides its customers with reasonable premiums and a great online platform.
However, The Hartford is criticized for its lack of 24/7 customer support, and Esurance is known to have a subpar roadside assistance program.
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 |
Esurance
|
The Hartford
|
| Worst If |
Esurance
|
The Hartford
|
|
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 DiscountThis 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 DiscountThis discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments. Switch & Save DiscountThis 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. Emergency Road Assistance DiscountYou 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. Pac-12 DiscountYou can get this discount if you attended or are an alum of a Pac-12 school. |
The Hartford
The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:
|
| Bundling Coverage Discounts | Esurance | The Hartford |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Esurance | The Hartford |
| 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 Hartford |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Esurance | The Hartford |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Esurance | The Hartford |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Esurance | The Hartford |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Esurance Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| 2016 | 48 | 30 |
| 2015 | 67 | 72 |
| 2014 | 47 | 69 |
| 2013 | 43 | 67 |
| Esurance Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Among the best |
| Policy Offerings | Average | Among the best |
| Pricing | Average | Among the best |
| Local Agent | Average | Average |
| Call Center Representative | -- | Average |
| Insurer Website | Among the best | Among the best |
| Esurance Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Below average | Above average |
| First Notice of Loss | Below average | Above average |
| Service Interaction | Below average | Below average |
| Appraisal | Below average | Average |
| Repair Process | Below average | Among the best |
| Rental Car Experience | Below average | Average |
| Settlement | Below average | Above average |
| Esurance Auto Insurance | The Hartford Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A |
| Moody's | -- | A2 |
| 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. |
The Hartford
The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. Download the Hartford Smartphone app for iPhone or Android. |
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 |
The Hartford
The Hartford Towing and LaborTowing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car. The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have. Services Covered
Contact Phone NumberFor immediate roadside assistance/claims service, call 1 (800) 322-7789. |