Esurance vs. Mercury Insurance

The Esurance phone number is 1 (800) 378-7262 for customer support, and customer service representatives are available 6 AM to 12 AM CT, 7 days a week. You can also contact Esurance by emailing customer service, mailing a written request, or visiting a local agent. 

How to Contact Esurance

• Call 1 (800) 378-7262 to speak with a customer service representative
• Go to Esurance's website and use the chat function
• Mail your request to Esurance at Esurance Customer Service / C/O Allstate Insurance Company / PO Box 660637 / Dallas, TX 75266-0637
• Speak with an Esurance agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact Esurance. For instance, to file a claim, you can file online or over the phone. However, to cancel your policy with Esurance, you will most likely need to call 1 (800) 378-7262.

To learn more, check out WalletHub's full review of Esurance.

The Mercury phone number is 1 (800) 503-3724 for claims and customer service, and customer service representatives are available 24/7. You can also contact Mercury by emailing customer service or visiting a local agent. 

How to Contact Mercury

• Call 1 (800) 503-3724 to speak with a customer service representative
• Go to Mercury's website and use the chat function
• Mail your request to Mercury at 555 W Imperial Hwy / Brea, CA 92821-4802
• Visit a Mercury agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact Mercury. For instance, to file a claim, you can file over the phone. However, to cancel your policy with Mercury, you will most likely need to call 1 (800) 503-3724.

Mercury Phone Numbers

To learn more, check out WalletHub's full review of Mercury.

The phone number for Esurance roadside assistance is 888-374-6472, and representatives are available 24/7. Alternatively, you can request assistance through Esurance's website or mobile app for roadside emergencies like towing and battery jump-starts.

What Esurance Roadside Assistance Offers

• Free towing for up to $75 per incident per tow
• Jump starts
• Lockout services
• Fuel delivery
• Tire changes
• Winching/extraction

To learn more about your options for roadside assistance, check out WalletHub's guide on the best roadside assistance companies.

Yes, Mercury offers rideshare insurance as an optional add-on to personal car insurance policies. Mercury's rideshare endorsement typically costs as little as $0.90 a day, and it provides more coverage than the insurance offered by Uber and Lyft.

Mercury Rideshare Insurance Coverage

• You are covered by your personal auto policy while the app is on but before you accept a ride request
• No coverage is provided once you have accepted a ride request

Rideshare insurance varies by state, so check with Mercury to see if their rideshare coverage is available in your location.

Why You Need Rideshare Insurance

In general, rideshare policies are important because the coverage provided by Lyft and Uber varies depending on where the driver is in the process of a ride. For starters, Uber and Lyft don't provide any coverage for drivers when the app is not on. When a driver is online and waiting for a ride request, Uber and Lyft provide liability-only insurance.

Once the driver has accepted a ride request, Uber and Lyft provide up to $1 million in liability insurance, plus any other type of coverage required in the state. Both companies also provide collision and comprehensive insurance during this period, but only for drivers who have these types of coverage on their personal policy. However, Uber and Lyft both have a $2,500 deductible. This deductible is significantly more expensive than the average car insurance deductible of $500. Uber and Lyft provide no coverage at all if the app is not on.

Finally, if you plan on using your vehicle for Uber or Lyft rides, Mercury requires you to add rideshare coverage to your policy. For more information, check out WalletHub's complete guide to rideshare insurance.

Yes, Esurance offers gap insurance as an optional policy add-on. Esurance gap insurance pays the difference between a totaled car's actual cash value and your remaining loan or lease balance, though you will be responsible for paying a deductible  

The cost of Esurance gap insurance depends on factors like your state and your vehicle's value. Regardless, purchasing gap insurance from an insurance company is usually a better investment than purchasing this coverage from a dealership, where the cost is often rolled into your loan/lease and charged interest. Plus, you can cancel Esurance gap insurance once your car is worth more than your loan or lease balance.

For more information, check out WalletHub's complete guide to gap insurance.

Esurance and Allstate are not the same company, even though Allstate owns Esurance. Allstate purchased Esurance in 2011, but Esurance still operates independently from Allstate, offering a smaller suite of insurance options and discounts.  

In 2019, Allstate announced it would be retiring the Esurance brand but that this process would be gradual. You can still purchase an Esurance policy, although it is unclear what will happen to policyholders once the phase-out is complete.

Allstate also owns other well-known brands like Encompass Insurance and Answer Financial.

Esurance is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Esurance costs an average of $60 per month, and Esurance premiums can be made even cheaper by taking advantage of discounts such as safety features discounts and roadside assistance discount. Plus, Esurance rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Average Monthly Rates for Esurance vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Esurance is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of Esurance and see Esurance's full profile.

Esurance is rated 3.3 out of 5 by WalletHub's editors, based on factors such as customer reviews and watchdog-group ratings. For example, Esurance has a rating of 2.92 from he National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size.

Esurance Insurance Ratings

• WalletHub Editors: 3.3
• A.M. Best: A+
• J.D. Power: 4.1
• NAIC: 2.92
• BBB: A-
• Moody's: A2
• Average User Rating on WalletHub: 3.6/5

To learn more, check out WalletHub's complete Esurance car insurance review.

Esurance offers discounts for bundling car insurance with a renters insurance policy and for safe drivers who use the company's DriveSense app. Esurance only advertises these two discounts on its website, but customer service representatives say that additional discounts are often available, depending on the state. For instance, policyholders in some states can save if their vehicle has qualifying safety features or if they are affiliated with certain employers or universities. 

Esurance Discounts List

• Multi-policy discount
• DriveSense discount
• Multi-vehicle discount
• Safety features discounts
• Affiliations discounts
• Roadside assistance discount
• Education level discount
• Mature driver discount
• Good student discount
• Driver training discount
• Homeowner discount
• On-time payment discount
• Payment frequency discount
• Pac-12 discount

DriveSense is a form of usage-based insurance that rewards safe driving. Esurance policyholders can download the DriveSense mobile app and get a customized discount based on driving habits like mileage, speeding, and braking.

Esurance does not have as many discounts as some larger car insurance companies, but there are still plenty of opportunities for drivers to save. For more information on the company, check out WalletHub's full Esurance review.

The main Esurance NAIC number is 25712. Esurance's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With Esurance's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need Esurance's NAIC number to report fraud or file an insurance claim, as well.

Although the main Esurance NAIC number is 25712, the NAIC has assigned a separate code for each of Esurance's affiliate companies, which are listed below. You can find the number that applies to your particular policy on your Esurance insurance card. 

Esurance NAIC Numbers

Esurance's NAIC number is not the same thing as the three-digit code assigned by each state's department of motor vehicles. These numbers, issued by state insurance commissioners, are given to the companies that have been authorized to sell insurance policies in a particular state. However, they are not standardized across state lines, like NAIC numbers are.