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Elephant Auto Insurance Review 2020

A subsidiary of Admiral Group plc that was based in 2009, Elephant Insurance prides itself on a customer-centric focus and an organization that’s “large, sturdy, and constructed to final” whereas on the identical time be like elephants which can be “type, caring, and look out for his or her herd.” At present, their insurance coverage is accessible in Illinois, Indiana, Maryland, Tennessee, Texas and Virginia.

As a shopper of Elephant Insurance, you’ll get pleasure from a wide range of insurance coverage choices like owners, renters and auto insurance coverage. When you’ve got a couple of kind of insurance coverage with Elephant, it presents some nice bundle reductions (varies by state).

Elephant auto insurance coverage overview

As a part of its customer-centric promise, Elephant tries to make discovering and getting auto insurance coverage so simple as a couple of clicks. For patrons who search a extra person-to-person strategy, Elephant additionally presents the identical stage of service by cellphone. All Elephant insurance policies, together with auto insurance coverage, are offered straight from Elephant to the buyer.

After a radical overview of Elephant’s web site, we dug deeper to find different vital elements like buyer satisfaction rankings, monetary stability and total enterprise score. Though Elephant just isn’t but rated by J.D. Energy or AM Finest, we did uncover its A+ BBB score in addition to an A1 (secure) Moody’s rating. We additionally reviewed buyer suggestions, the place Elephant obtained a 4.2 out of 5 score on Google critiques.

J.D. Energy Score AM Finest Score BBB Score Moody’s Google
Score Not rated Not rated A+ A1 4.2/5

Elephant insurance coverage charges

Auto insurance coverage charges are depending on various vital elements. Because of this, it’s troublesome to seek out acknowledged charges on auto insurance coverage supplier web sites. To offer correct premium info to customers, Elephant must know issues like age, gender, location, personal/hire standing, marital standing, car kind and age and driving document.

Utilizing Elephant’s on-line quoting course of, we enter some fundamental knowledge to get a quote. A 30-year-old male in Tennessee driving a 2015 Honda Accord EX, drives 10,000 to 12,000 miles per yr, is single and has a clear driving document would pay round $177 per 30 days for Elephant auto insurance coverage. The web quoting function permits you to then customise your protection quantities primarily based in your wants after which updates your price on the display screen so that you can see.

Upon overview, Elephant’s insurance coverage charges fall on the upper finish of the vary of common auto insurance coverage charges. Once more, we used Tennessee for our evaluation. There are solely three out of 31 auto insurers in Tennessee with common annual premiums larger than Elephant’s.

Elephant auto insurance coverage overview

Protection choices

Elephant presents a wide range of totally different auto insurance coverage protection choices. Elephant presents bodily damage legal responsibility, collision, property injury legal responsibility and complete coverages.

Moreover, you’ll be able to add different non-compulsory coverages like emergency roadside protection, medical funds, apart from collision, rental reimbursement, mortgage lease payoff, customized tools and authorized help.

Reductions

We had been stunned by a number of the distinctive reductions supplied by Elephant. Low cost potentialities embrace:

  • Bundle reductions
  • A number of-policy reductions
  • Good driver reductions
  • House owner reductions
  • Good scholar reductions
  • Paid-in-full reductions
  • On-line quote low cost
  • Digital signatures
  • Paperless billing and statements

Different distinctive options

Elephant presents 24/7 claims service both on-line or by phone. This implies no business-hour delays in submitting a declare or checking its standing. Elephant additionally presents the choice to buy a 12-month coverage.Prospects report satisfaction with this selection as many insurers solely provide 6-month insurance policies.

The competitors

    Not each firm works for each particular person. Listed here are a few of Elephant’s prime opponents that you simply may contemplate if Elephant isn’t what you’re in search of.

  • Allstate: Based in 1931, Allstate has a wealthy historical past of offering insurance coverage to American customers. Because of this, its “you’re in good arms” promise could also be validated by a few years of proof whereas Elephant is a a lot newer firm and lacks a number of the rankings the older corporations like Allstate have.
  • Geico: Identified for its financial savings promising gecko, customers could uncover decrease charges on auto insurance coverage with Geico. Geico has been round for over 80 years and has a long-standing repute for making auto insurance coverage simple for its clients.
  • Progressive: Boasting over 18 million clients, Progressive has a leg up on revolutionary know-how, making its web site among the best web sites of auto insurance coverage suppliers we’ve seen. Although all of your insurance coverage wants will be taken care of on the web site, Progressive additionally employs native brokers to offer a one-on-one customized buyer strategy.
  • State Farm: State Farm is one other tried and true auto insurance coverage supplier. Based in 1922, State Farm is a nationally acknowledged title and earns excessive rankings on J.D. Energy, AM Finest and BBB. Shoppers in search of decrease charges and extra one-on-one customer support could also be extra happy with State Farm.

What others are saying

Since 2014, Elephant has earned a Richmond-Occasions Dispatch award as one of many Prime Work Locations. Pleased workers often lead to nice customer support and joyful clients.

The underside line

Elephant has an amazing collection of auto insurance coverage choices and a user-friendly web site to supply clients and potential clients a handy and seamless expertise. Whereas Elephant is larger than common in price, it’s possible you’ll qualify for a number of reductions that would lead to financial savings over different corporations providing decrease premiums. We advocate in search of a number of auto insurance coverage quotes to see if Elephant is an effective possibility for you.


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