Esurance.com is such a SCAM and I wasted so much time with them I can't believe it, as they baited and switched my quotes!
Here's what happened, long story. I've been with Allstate since I was 16 years old. You can do the math if you want. The last time I had to research insurance was when I became a Realtor and had to get "Business" coverage, which not all companies offer. I set my plan, and on I went.
I got my renewal a couple of weeks ago, and I decided it was too high, so I started searching online. I had seen tons of commercials for esurance.com so I went there. When I first went to their site this past Friday, my quote was $340 for a 6 month period. Seriously? I had to be missing something. So I called their customer service rep to get some questions answered.
Since I didn't put in my actual street address, though zip code should be enough, and since I didn't put in my social, the quote given is strictly for Tier 1 credit, best case scenario. No problem, I understand. How much could the quote go up once credit is pulled? Maybe $20 or maybe $100 depending on how your credit looks, she tells me.
Since I knew the insurance companies don't really look at credit score, but what you owe, I paid off my monthly credit card, and went back to their site yesterday for my full quote since the $340 was significantly lower than my Allstate bill, and even if it went up $100, it would still be less.
I enter my full address and my social, and am quoted $377. Seriously? That's pretty darn good! I called to make sure that included them running my credit.
Yes, ma'am. I'm showing you're in Tier 1 which is great. I very rarely see people in Tier 1.
Great! What do I do next?
Let's go over all the option to make sure everything is correct.
We go over everything in front of me on my screen. She then says, "Ok, great, I've got that for $418.50"
Excuse me? My screen says $377.
Well, there's a $25 fee for excluding your husband from the policy.
What? That makes no sense. Even if you pack out the $25 hidden fee, that doesn't equal $377.
This conversation went on for 36 minutes! Even at $418.50, she says that's not my final number until she gets credit card information. After arguing for several minutes about how I wanted a bottom line, but that she couldn't provide that, I humored her by giving a credit card number... and what does her next screen say??
I raised my voice explaining very sternly about how that's why I wanted a final number first! Their $340 quote turned into $486.50 in a blink of an eye! And that turned out to be higher than Allstate, of course. She then transferred me to their partner company, who wasted even more of my time because they don't even write business policies!!
I completely feel esurance.com is a scam, and buyer beware before you sign that bottom line and switch, as there might be a bait and switch on the hook. It's sad how companies treat people with the awesome credit. You would think they would beg for my business knowing I would actually pay my bills on time... I waited until the very last day of my previous policy, so I had to call Allstate's 800 number to make a payment by phone, which they did not charge for, thank you!
Now, since I don't like my current Allstate agent since he took over the company from my long time agent last year, I have to switch agents out of principle... so frustrating!!
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* Esurance.com Scam with Bait and Switch Quotes * was first published on donnahomesblog.com