Comparing quotes is the best way to get your lowest rates from top insurers like Esurance and USAA. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Esurance and USAA are two insurance companies with their own auto policies, discounts, and drawbacks. Esurance was founded in 1999, and USAA was founded much earlier in 1922. USAA is best-known for its impeccable customer service reviews and ratings, as well as its high financial strength and J.D. Power ratings. Its only drawback is that you must be a member of the military or have an immediate family member in the military to receive full benefits.
On the other hand, Esurance offers a wide range of discounts, being a subsidiary of Allstate. It also has reasonable premiums, but lacks a reliable roadside service 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
|
USAA
|
| Worst If |
Esurance
|
USAA
|
|
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. |
USAA |
| Bundling Coverage Discounts | Esurance | USAA |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Esurance | USAA |
| 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 | USAA |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Esurance | USAA |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Esurance | USAA |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Esurance | USAA |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Esurance Auto Insurance | USAA Car Insurance | |
|---|---|---|
| 2016 | 48 | 245 |
| 2015 | 67 | 415 |
| 2014 | 47 | 380 |
| 2013 | 43 | 270 |
| Esurance Auto Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Among the best |
| Policy Offerings | Average | Among the best |
| Pricing | Average | Among the best |
| Local Agent | Average | -- |
| Call Center Representative | -- | Among the best |
| Insurer Website | Among the best | Among the best |
| Esurance Auto Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Satisfaction | Below average | Among the best |
| First Notice of Loss | Below average | Among the best |
| Service Interaction | Below average | Average |
| Appraisal | Below average | Among the best |
| Repair Process | Below average | Above average |
| Rental Car Experience | Below average | Among the best |
| Settlement | Below average | Among the best |
| Esurance Auto Insurance | USAA Car Insurance | |
|---|---|---|
| A.M. Best | A+ | A++ |
| Moody's | -- | Aaa |
| S&P's | -- | AA+ |
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. |
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the USAA mobile app here. |
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 |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |