Свежие комментарии

    E-assurance auto insurance

    Let us steer you through your options
    Many people are put off by the task of selecting a car insurance policy. There are so many factors to think about. To top it off, each province requires a certain level of car insurance coverage. No need to worry. Allstate agents are here to help you find the type of policy that fits your needs.
    Mandatory car insurance coverage
    Liability Coverage
    Protects you if you are in an accident and you are held liable for the injury to or death of other people. It also covers damage to their vehicle or property.
    Accident Benefits
    Covers medical bills, rehabilitation, funeral costs, and loss of income due to disability (not applicable in Quebec).
    Direct Compensation Property Damage
    Covers you for damage to your vehicle and to property inside it when another motorist insured in your province is responsible for the accident. (Ontario, New Brunswick and Nova Scotia).
    Our most popular auto insurance coverage
    Collision or Upset
    Covers the cost of repair or the replacement of your car (up to its actual value less your deductible) if you have a collision with another car or an object such as a tree or guiderail.
    Covers windshield damage and other damage to your car due to theft, vandalism, fire, falling objects, lightning, explosion, or impact with an animal.
    Specified Perils
    Covers certain damage to your car by such dangers as fire and lightning, theft or attempted theft, windstorm, earthquake, hail, explosion, riot or civil unrest, falling aircraft or parts of an aircraft.
    All Perils
    Combines the protection provided by Collision and Comprehensive coverages.
    Other optional coverages we offer
    Claim Forgiveness
    Your first claim is on us. Your rates will not go up.*
    Disappearing deductible
    Your deductible goes down every consecutive term you go without a claim until it disappears.**
    Ticket Forgiveness
    Your rates will not go up if you get a ticket for a minor driving offense.***
    Loss of Use
    Covers the cost of a backup means of travel such as rental car or taxi you use when your car is being repaired as a result of damage or theft.
    Damage to a Non-Owned Vehicle
    Covers you if you damage a car you do not own such as a rental vehicle.
    Waiver of Depreciation
    This option ensures you get the full value of your new car (less than 36-months-old) if it is written-off as part of a covered claim.
    Esurance Insurance Services, Inc. is an American insurance company. It sells auto, home, motorcycle, and renters insurance direct to consumers online and by phone. Its primary competitors are other direct personal insurance writers, mainly GEICO and Progressive. Founded in 1999, the company was purchased by Allstate in 2011, and is now a wholly owned subsidiary of Allstate.
    Esurance was founded in 1999 by Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace, and became one of the first insurance companies to sell policies directly to consumers over the internet, instead of using in-person meetings or phone calls.[1] In 2000, Esurance was acquired by Folksamerica Holding Company, a subsidiary of White Mountains Insurance Group. Esurance, which is based out of San Francisco, had by that time expanded to offering policies in 24 states, but had also just laid off staff and was actively soliciting a purchaser.[2]
    In 2004, Esurance began to offer multi-car discount packages to same-sex couples, by offering multi-car discounts to any group of people that lived together.[3] The company claims to be one of the first insurers to have offered such packages to same-sex couples.[4]
    In May 2011, Allstate announced that it was purchasing Esurance and rate-comparison site Answer Financial for approximately $1 billion. At the time, Esurance was selling policies in 30 states and was in the midst of a five-year growth period that saw them double the number of policies in force. Allstate, for its part, was losing policy holders to the three major online policy retailers; Esurance, Progressive, and GEICO.[5][6] Allstate’s acquisition of Esurance was completed in October of that year. The combined company became the sixth-largest provider of auto insurance policies.[7] In September 2012, White Mountains filed a lawsuit against Allstate alleging that Allstate failed to meet a deadline to produce a financial audit that was part of the sale, and that Allstate deducted $5.2 million in legal expenses from the value of the sale that they were not allowed to deduct by the terms of the agreement.[8]
    Esurance’s first television advertising campaign was launched five years after the company went live. The campaign was aimed at the 18 to 24-year-old male demographic, and had a budget of $60,000, a tiny fraction of the over $1 billion spent on advertisements within the insurance industry. The commercials featured an animated character named Erin Esurance, a pink-haired spy inspired by Sydney Bristow from the television show Alias.[1] The character and campaign were initially well received, leading to over 30 separate advertisements featuring Erin, and a dramatic increase in brand awareness. However, by 2009 industry polling on corporate mascots found Erin had become unpopular with viewers; 30% of viewers found the character annoying — double the industry average — and was below industry average in sincerity and believability.[1] Polling found Erin was less popular than even Microsoft’s notorious Clippy character.[9] Additionally, a large number of pornographic images featuring Erin were created, and in some cases sold, by fans of the character. The illustrations became so prevalent that when the character was searched for by name without mature content filters enabled, the vast majority of results were pornographic.[1][10] The combination of decreasing popularity and the pornographic images led to the character being retired by 2010.[1][9][10]
    In 2010 Esurance launched a new advertising campaign designed by the firm Duncan/Channon. By this point the company had an advertising budget of $100 million. Set in a fictionalized version of the Esurance office, but featuring actual Esurance employees, the commercials emphasized both the company’s high tech platform and the personal touches offered by speaking to employees. The campaign was a deliberate break from focusing the advertisements on the 18-24 male demographic.[11]
    The new campaign was short lived; In December 2011, Esurance announced another new advertising campaign. It emphasized efficiency and positioned the company as «Insurance for the Modern World»; the target demographic was families and professionals in the 25-49 age group. John Krasinski narrated the commercials, which were developed by ad agency Leo Burnett Worldwide.[12][13]
    Esurance also markets itself heavily through sports teams and sporting events, where it casts itself as being more environmentally friendly than competitors. The company has sponsored a number of sporting events and teams, including the US Open tennis tournament, the Golden State Warriors, and the San Francisco Giants.[14][15][16]
    In February 2015, Esurance released their Super Bowl XLIX commercial, featuring Bryan Cranston parodying his Walter White character from Breaking Bad.[17] In April 2015, Esurance and Major League Baseball announced a new multi-year sponsorship in which Esurance will be the exclusive auto insurance partner for Major League Baseball.[18]