Does Elephant Insurance have roadside assistance?

The cheapest states for car insurance are Iowa, Vermont and Nebraska, according to WalletHub's Cheap Car Insurance Study. They are the cheapest states for auto insurance in large part because they have low population density and relatively few uninsured motorists. In contrast, New York, Florida and New Jersey are the most expensive states for car insurance.… read full answer

Population and uninsured motorists are the two main reasons for variations in policy costs from state to state. After all, fewer people means fewer drivers on the road, which means fewer accidents. And a low percentage of uninsured motorists means that more of the people on the road are responsible drivers. It also means insurance companies face fewer claims from their own customers who've been hit by uninsured motorists. Both a low population and low numbers of uninsured motorists keep claims and premiums down.

10 Cheapest States for Car Insurance:

1. Iowa
2. Vermont
3. Nebraska
4. Wyoming
5. South Dakota
6. Montana
7. New Hampshire
8. West Virginia
9. North Dakota
10. Maine

In addition to the population and number of uninsured drivers, other factors that affect car insurance costs include state laws, crime rates, and special weather hazards. State laws govern how much insurance coverage drivers are required to carry, and no-fault laws impact insurers' risks. Crime rates mainly impact comprehensive coverage, which covers losses due to theft or violence. Weather hazards - like hurricanes, hail or snowstorms - cause more breakdowns and accidents.

The General offers a roadside assistance plan that is administered by Nation Safe Drivers (NSD). This optional program provides 24/7 assistance for towing and other emergency services, such as battery service, fuel delivery and lock-out service. A 6-month plan costs $60 ($65 in California). A 12-month plan costs $120 ($125 in California).… read full answer

To get help on the road any time, call dispatch services at 1-844-608-4726. Service is available 24/7 in the U.S. and Canada.

The General Roadside Assistance Coverage

Emergency towing

Your vehicle may be towed to the location of your choice. The maximum coverage is 15 miles or $50, beyond which you are responsible for the cost.

Emergency delivery

A service truck will deliver emergency supplies of gasoline, water, oil or other necessary fluids. You pay only the cost of the supplies.

Emergency battery service

A service technician will come to your car to jump-start your battery while you are on the road. This service also includes minor adjustments like tightening cables or cleaning battery connections.

Emergency road service

A service technician will make other minor adjustments to your vehicle, as needed to get you back on the road.

Roadside assistance through Nation Safe Drivers is not part of The General’s insurance policy, but it is billed with your insurance premium, as a convenience to you.

Elephant insurance is cheap for drivers who are able to apply multiple discounts to their policies, with savings ranging from 9% to 40%. The company also passes on savings that come from selling insurance directly to consumers online, which eliminates agent commissions. However, while Elephant offers affordable policy options, especially compared to other companies that specialize in high-risk car insurance, there are still other insurance companies with better prices and higher customer satisfaction. Studies done by several groups indicate that Elephant’s prices are generally about average in the six states they serve— Virginia, Maryland, Illinois, Texas, Indiana, and Tennessee.… read full answer

Elephant Insurance writes auto insurance only, but they offer other types of insurance through partnering companies. These include Homesite for home insurance and life insurance, and Dairyland for motorcycle insurance. Elephant offers a bundling discount of up to 9% if you buy multiple policies through them.

The company’s list of discounts for auto insurance is pretty basic. Some discounts are better than those offered by competitors, while others are average. For example, Elephant’s multi-car discount can be up to 39% in some locations, and getting your quote online earns you 15% off your premium. Discounts for good students, safety features, responsible drivers, and paying your premium upfront are run-of-the-mill.

Elephant’s high number of complaints is a cause for concern, however. Elephant receives nearly three times the complaints of the average insurer, according to the National Association of Insurance Commissioners. Problems with filing claims and receiving claim payments get the most complaints. Elephant gets better marks for its quotes process and easy-to-navigate website.

If you live in one of Elephant Insurance’s six states of operation, you might want to get an online quote for comparison. Just be aware that companies like GEICO (another direct-to-consumer company) have more discounts and higher customer satisfaction ratings. And their premiums may be similar.