Senior Esurance employees scan the internet for negative comments about "their" company. These as usually full-blown zealots that will tell the public anything to protect Esurance.
I know this because I use to sit by three different zealots in the 2 years I was there. Allow me to run the scam outline by you again and explain. You take out an Esurance policy. You're required to present proof of prior insurance to Esurance - so you send it. But alas... Your proof of prior insurance doesn't get processed. So the company computer rerates you for a higher amount. (The amount assessed for someone who has no history of prior insurance). And then the computer takes out a huge amount from your account to make up the difference for the rerate. You find out from your bank or cc company that a huge amount was taken from your account, and you hit the ceiling. You then call in very mad.
Is this illegal? No... But just barely. Because if you're aware that the money was taken out of your account, and you're willing to call in - Esurance might take care of the problem. Keep in mind that a significant percentage of people won't notice or call in, or want to fight it, so Esurance keeps the extra money after the rerate. (Which is a lot - taken times the total number of customers that don't call). So even if you should make the call to customer service. They tell you that the Processing Dept. Checks Proof of Prior Insurance emails and letters in the order they're received, and they'll notify you when the correction is made. During the same time YOUR background can be further investigated to see if you have any speeding tickets, accidents, etc. That could lead to a justified increase. (So they can keep part the money taken from your account the second time). These games go on and on. All legal - but not the way I would want to treat people.
Then there's the issue of fees. The fees are outrageous, and the system programmers have found cleaver ways of making the fees, and other, less obvious to find for people that aren't very observant.
Want to hear more stories? Let me cut to the chase. Don't give Esurance your card number. Go elsewhere. Because if you don't. I'll be here to say - I told you.
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