Esurance Insurance Company of New Jersey Review (2024)

Esurance Insurance Company of New Jersey stands as a reliable choice for comprehensive protection, offering tailored coverage options for residents, including auto, home, and renters insurance, with an easy online quoting process, customizable plans, and efficient claims handling.

UPDATED: Jun 14, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jun 14, 2024Fact Checked
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Esurance Insurance Company of New Jersey

Average monthly rate for good drivers:

$100

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Comprehensive Coverage Options
  • User-Friendly Online Quoting Process
  • Customizable Policies Tailored to Individual Needs
  • Efficient and Smooth Claims Process
  • Positive Customer Reviews Highlighting Satisfaction

Cons

  • Limited Availability in New Jersey (State-Specific)
  • May Not Be the Most Budget-Friendly Option for All Drivers
  • Some Policyholders Report Minor Delays in Claims Processing

Discover the comprehensive insurance solutions provided by Esurance Insurance Company of New Jersey, a reliable choice for safeguarding assets and ensuring peace of mind. With a diverse range of coverage options, including auto, home, and renters insurance, Esurance NJ tailors policies to individual needs.

Their user-friendly online platform simplifies the quoting process, while their efficient claims handling and 24/7 customer support enhance the overall experience. By offering discounts for safe driving, bundled policies, and more, Esurance NJ maximizes savings without compromising coverage.

Through customizable plans, streamlined processes, and positive customer reviews, Esurance Insurance Company of New Jersey stands as a dependable partner for protection against life’s uncertainties.

Esurance Insurance Company of New Jersey Insurance Coverage Options

When it comes to safeguarding your assets and ensuring peace of mind, Esurance Insurance Company of New Jersey stands out with a diverse range of coverage options. From comprehensive auto insurance to protecting your home and belongings, Esurance NJ provides tailored solutions that cater to your unique needs. Here’s a closer look at the coverage options they offer:

Auto Insurance Coverage

  • Liability Coverage: Protects against bodily injury and property damage liability in case of an accident where you’re at fault.
  • Collision Coverage: Covers the cost of repairs to your vehicle in the event of a collision, regardless of fault.
  • Comprehensive Coverage: Offers protection against non-collision events, such as theft, vandalism, and natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Provides coverage if you’re involved in an accident with a driver who lacks adequate insurance.

Home Insurance Coverage

  • Dwelling Coverage: Protects your home’s structure from various risks, such as fire, vandalism, and wind damage.
  • Personal Property Coverage: Covers the cost of replacing personal belongings damaged or stolen.
  • Liability Coverage: Offers financial protection in case someone is injured on your property and you’re found responsible.
  • Additional Living Expenses: Provides assistance with temporary living expenses if your home becomes uninhabitable due to a covered event.

Renters Insurance Coverage

  • Personal Property Coverage: Protects your belongings against damage or theft within your rented space.
  • Liability Coverage: Offers financial protection if someone is injured in your rented space and you’re held liable.
  • Additional Living Expenses: Provides coverage for temporary living arrangements if your rental becomes uninhabitable due to a covered event.

Other Specialized Policies

  • Recreational Vehicle Insurance: Covers a range of vehicles like RVs, motorhomes, and motorcycles.
  • Valuable Items Coverage: Offers protection for high-value items like jewelry, fine art, and collectibles.
  • Umbrella Insurance: Provides additional liability coverage that goes beyond the limits of your standard policies.

These coverage options allow policyholders to tailor their insurance plans according to their individual circumstances, providing a comprehensive safety net for various aspects of their lives. It’s essential to consult the company’s official documentation or speak with their representatives to get accurate and up-to-date information.

Read more: Esurance Property and Casualty Insurance Company: Customer Ratings & Reviews

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Esurance Insurance Company of New Jersey Insurance Rates Breakdown

Driver ProfileEsurance Company of New JerseyNational Average
Clean Record$120$119
1+ Ticket$160$147
1+ Accident$190$173
DUI$260$209
Poor Credit$210$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Esurance Insurance Company of New Jersey Discounts Available

DiscountEsurance Company of New Jersey
Anti Theft14%
Good Student12%
Low Mileage8%
Paperless10%
Safe Driver20%
Senior Driver5%

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At Esurance Insurance Company of New Jersey, your financial well-being matters. That’s why they offer an array of discounts designed to help you save on your insurance premiums without compromising the coverage you need. By tailoring your policy to your circumstances, you can take advantage of these discounts to enjoy even greater value. Here are some of the discounts available:

  • Multi-Policy Discount: Save when you bundle multiple insurance policies, such as auto and home insurance, with Esurance NJ.
  • Safe Driver Discount: Receive lower rates if you have a clean driving record with no accidents or traffic violations.
  • Good Student Discount: Students with good grades can qualify for discounts on their auto insurance premiums.
  • Anti-Theft Discount: Install anti-theft devices in your vehicle to reduce the risk of theft and qualify for a discount.
  • Home Safety Features Discount: If your home has safety features like smoke detectors and security systems, you could enjoy lower home insurance rates.
  • Claims-Free Discount: Stay claims-free for a specific period, and you could be eligible for a discount on your premium.
  • Multi-Car Discount: Insure multiple vehicles under the same policy to receive a discount on each car’s premium.
  • Paid-in-Full Discount: Pay your premium in full upfront, and you may be eligible for a discount.
  • Paperless Discount: Opt for electronic statements and communications to save on your insurance premiums.
  • Defensive Driving Course Discount: Completing an approved defensive driving course can lead to reduced auto insurance rates.
  • Senior Citizen Discount: Older drivers may qualify for discounts tailored to their age group.

These discounts provide an opportunity for policyholders to lower their insurance costs. Keep in mind that eligibility criteria and availability may vary, so it’s a good idea to reach out to Esurance NJ to discuss which discounts you may qualify for based on your unique circumstances.

How Esurance Insurance Company of New Jersey Ranks Among Providers

Esurance Insurance Company of New Jersey operates in a competitive landscape alongside other prominent insurance providers. While the specific competitive environment can change over time, here are a few of the company’s main competitors:

  • Allstate: As one of the largest insurance companies in the United States, Allstate offers a wide range of insurance products, including auto, home, renters, and more. They are known for their extensive network of agents and strong brand presence.
  • Geico: Geico is renowned for its catchy advertising campaigns and competitive pricing. They provide a variety of insurance options, with a focus on digital capabilities and online customer service.
  • State Farm: State Farm is a leading insurance company offering auto, home, life, and more. They are recognized for their extensive agent network, personalized service, and a range of coverage options.
  • Progressive: Progressive is known for its innovative approach to auto insurance, offering features like usage-based insurance and a wide range of discounts. Their online tools and user-friendly interface are key aspects of their appeal.
  • Liberty Mutual: Liberty Mutual offers a diverse array of insurance products, including auto, home, and renters insurance. They emphasize personalized coverage and have a strong customer service presence.
  • Travelers: Travelers provides a range of insurance solutions, including property, casualty, and specialty lines. They focus on tailored coverage and risk management for both individuals and businesses.
  • Nationwide: Nationwide offers a variety of insurance options, including auto, home, and life insurance. They are known for their focus on customer-centric solutions and flexibility in coverage.
  • Farmers Insurance: Farmers offers a range of insurance products for personal and commercial needs. They are recognized for their agent-driven approach and customizable coverage options.

It’s important to note that the competitive landscape can vary based on factors such as geographic location, specific product offerings, and customer preferences. When considering insurance providers, individuals often evaluate factors like coverage options, pricing, customer service, and digital accessibility to make informed decisions.

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Claims Process at Esurance Insurance Company of New Jersey

Ease of Filing a Claim

Esurance Insurance Company of New Jersey offers policyholders a seamless experience when it comes to filing claims. They provide multiple convenient options for reporting claims, including online submissions, phone assistance, and the use of mobile apps. This flexibility ensures that policyholders can choose the method that suits them best.

Average Claim Processing Time

Esurance Insurance Company of New Jersey is dedicated to efficient claim processing. They prioritize minimizing delays and disruptions, aiming to provide swift resolutions to claims. This commitment to timely claim processing contributes to an enhanced overall customer experience.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a significant role in the operations of Esurance Insurance Company of New Jersey. They actively seek input from policyholders to ensure that claim resolutions are fair, transparent, and meet or exceed customer expectations. Positive customer feedback underscores the company’s dedication to delivering reliable and responsive claims services.

Digital and Technological Features at Esurance Insurance Company of New Jersey

Mobile App Features and Functionality

Esurance Insurance Company of New Jersey offers a feature-rich mobile app that empowers policyholders with comprehensive insurance management tools.

The app features a user-friendly interface, enabling users to efficiently manage their policies, file claims, and access essential resources while on the go. It serves as a valuable tool for policyholders, providing convenient access to insurance-related tasks and information.

Online Account Management Capabilities

With 24/7 online account management capabilities, Esurance Insurance Company of New Jersey ensures that policyholders have complete control over their insurance accounts.

Through their online portal, policyholders can make payments, update personal information, and track claims in real-time. The company’s online platform prioritizes accessibility and simplicity, enhancing the overall insurance experience.

Digital Tools and Resources

In addition to insurance coverage, Esurance Insurance Company of New Jersey offers a suite of digital tools and resources to further assist policyholders.

These resources include educational materials and interactive tools designed to equip policyholders with the knowledge and resources necessary to confidently navigate the complexities of insurance. Their commitment to providing valuable digital resources sets them apart in the insurance landscape.

Frequently Asked Questions

What types of insurance does Esurance Insurance Company of New Jersey offer?

Esurance Insurance Company of New Jersey offers a variety of insurance options, including auto insurance, home insurance, renters insurance, as well as specialized policies such as recreational vehicle insurance and valuable items coverage.

How can I get a quote from Esurance Insurance Company of New Jersey?

Getting a quote is simple with Esurance NJ. Visit their official website, provide your information, and receive a personalized quote tailored to your specific needs within minutes.

Are there discounts available to lower insurance premiums with Esurance Insurance Company of New Jersey?

Yes, Esurance NJ offers several discounts to help policyholders save on premiums. These include multi-policy discounts, safe driver discounts, good student discounts, and more.

What sets Esurance Insurance Company of New Jersey apart from other insurance providers?

Esurance NJ stands out with its user-friendly online platform, efficient claims process, customizable coverage options, and positive customer reviews highlighting their exceptional service.

Can I bundle multiple insurance policies with Esurance Insurance Company of New Jersey?

Esurance NJ offers a multi-policy discount, allowing you to bundle multiple insurance types like auto and home insurance to save on premiums.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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