Choosing the right auto insurance policy can be tough. You need to make the right purchase as not only these insurance policies are expensive, but they are extremely important during an accident. From the price of the policy, the cost of the premium, the coverage it offers, and the ease of making an insurance claim, everything must be considered while getting a car insurance policy.

In this article, we put two of the most popular car insurance companies in the US; Esurance vs Progressive car insurance.

Esurance and Progressive are two well-known auto insurance providers both with great coverage options and other features to make their insurance policies more desirable. We’ll put both the policies to the test, compare their best features, look at consumer reports and reviews and find out which one of the two you should go for, and why.

The Parameters

Before we begin with the comparison, the parameters must be established. On what grounds are we comparing these two insurance companies? We’ll be considering five parameters that are crucial to making an insurance quote and policy better. Here are the parameters:

• Customer Service: How easy is it to reach the customer service representative and how quickly can they resolve your issue. Is there an online option for 24/7 support or do you have to visit their office to get your issues resolved?
• Price: Which one of the two is more affordable and for what reasons? We’ll be comparing both the companies’ pricing under different circumstances.
• Claim Process: Perhaps the most important and most ignored part of any insurance company is knowing how easy the claim process is. We’ll compare the claim process of both companies.
• Availability and Discounts: Insurance companies are generally considered better if they have a nationwide availability.
• Additional Options: The more coverage options the better the insurance policy.

Esurance vs Progressive: Customer Service

When it comes to customer service and reviews, both Esurance and Progressive are very similar to each other. But from what we have experienced and seen, Progressive beats Esurance with a better customer experience. When it comes to online reviews, Progressive is again considered the better one.

Do note that the difference between the two in customer service is not too stark. We’ve seen and heard a complaint about both the companies, but the number of complaints is slightly higher for Esurance. One of the common complaints is the company promises great customer service before you get the policy but then they fail to deliver it.

Winner: Progressive wins by an inch when it comes to customer satisfaction and service, but do not expect its customer service to be flawless.

Esurance vs Progressive: Price

When it comes to price, Esurance, and Progressive are again almost neck and neck. But, there are many places where Progressive becomes the better choice. Esurance is owned by Allstate and that company is not known for its affordable policies.

Progressive has cheaper and more affordable auto insurance policies for younger drivers. For example, Progressive is almost $600 cheaper than Esurance when it comes to the annual premium for minimum coverage. And here’s another shocker, after an accident, Progressive is almost $900 cheaper than Esurance in annual premium cost.

But Esurance beats Progressive in some places too. For example, drivers with a speeding ticket or a DUI charge will notice a hike in insurance rates. But Esurance is more than $1,300 cheaper than Progressive in annual premiums after a speeding ticket and over $400 cheaper after a DUI charge.

Here’s where the companies outshine the other:

After a DUI charge	Esurance
Minimum Coverage	Esurance
Full Coverage	Progressive
After an Accident	Progressive
Accident Forgiveness	Progressive

Since the cost of the insurance policy depends on so many other factors, you need to get a quote from both the companies and even other companies as well. You need to consider all the car insurance companies in the market to find the lowest priced company.

Esurance vs Progressive: Claim Process

Thankfully, both companies offer easy methods of filing an insurance claim. Both Esurance and Progressive have online and offline claim filing processes, available 24/7. You can either make a claim online through their mobile app or website or just call their helpline number, any day of the week and anytime.

When it comes to the claim settlement process, it is very tough to give the highest pedestal to any company. Some people might find Progressive to be better here, while some will choose Esurance. The problem here is a standard comparison method.

The time a claim settlement takes depends on the complexity of the insurance claim. A simple accident or a fender-bender is easy to settle. But when the accident is severe, and the damages are worth a lot, then insurance companies take time to investigate, process, and then approve the claim if everything goes well.

So here, we give both Esurance and Progressive a win for the claim process. But if you have heard any negative/positive things about either of the companies, you can choose it or avoid it based on the review.

Esurance vs Progressive: Availability and Discounts

Since our readers can be residing in the remotest parts of Alaska to a sprawling megacity like New York, we need to consider the availability of these insurance companies as a factor in deciding the better one.

In Availability, Progressive beats Esurance as it is available in all the fifty states. Esurance is available in 43 states as of now, but later the company might expand further. Esurance is not available in Montana, Hawaii, Delaware, Alaska, New Hampshire, Wyoming, and Vermont.

Esurance vs Progressive: Add-ons

Both Esurance and Progressive offer great add-ons but Progressive has the edge here. Along with the basic add-on coverage such as Roadside Assistance, Gap Insurance, Uninsured/Underinsured Motorist Coverage, etc. But Progressive takes it a step ahead with Deductible savings bank, Accident Forgiveness, and a few others. We think the accident forgiveness add-on is the best advantage Progressive has here, and that makes it better than Esurance.

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