Auto Insurance Elephant: Everything You Need to Know

Auto insurance is essential for all car owners. It offers protection against financial losses that may result from accidents, theft, or other damages to your vehicle. There are many auto insurance providers out there, but one that stands out is Elephant Insurance. In this journal article, we will delve into what Elephant insurance offers, and why it may be a good option for you.

What is Elephant Insurance?

Elephant Insurance is a direct-to-consumer insurance company that began in Virginia in 2009. It is known for its online presence, user-friendly platform, and competitive rates. The company has grown to offer coverage in several states, including Texas, Illinois, Maryland, Indiana, and Tennessee.

One unique feature of Elephant Insurance is that it sells insurance only through its website and call center. This enables the company to offer competitive rates since it does not have to pay for overheads such as rent, utilities, or agent commissions.

Types of Coverage Offered by Elephant Insurance

Elephant provides several types of coverage that cater to different needs.

Liability Coverage

Liability coverage is mandatory in most states. It covers bodily injury and property damage to another person if you are at fault in an accident. Elephant offers bodily injury coverage of up to $500,000 per person and $1 million per accident. Property damage coverage is up to $100,000 per accident.

Collision Coverage

Collision coverage is an optional coverage that pays for damages to your car if you collide with an object or another car. Elephant Insurance offers a deductible of $500, $1,000, or $2,000.

Comprehensive Coverage

Comprehensive coverage is also optional and covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or weather-related damage. Elephant Insurance offers deductibles of $500, $1,000, or $2,000.

Uninsured/Underinsured Motorist Coverage

This coverage pays for expenses related to injuries or damages caused by a driver who does not have insurance or does not have enough insurance to cover the damages. Elephant Insurance offers this coverage at limits up to $500,000 per person and $1 million per accident.

Why Choose Elephant Insurance?

Choosing the right auto insurance provider can be daunting, considering the many options available. Here are some reasons why Elephant Insurance may be a good choice for you:

Competitive Rates

As mentioned earlier, Elephant Insurance is known for its competitive rates. The company’s direct-to-consumer model allows it to offer lower rates compared to other providers.

User-Friendly Platform

Elephant Insurance’s online platform is easy to use, and you can get a quote in a matter of minutes. The website also provides educational resources and tools to help you make informed decisions about your coverage.

Excellent Customer Service

Customer service is an essential aspect of any insurance provider. Elephant Insurance has received positive reviews for its customer service, which is available through its call center 24/7.

Flexible Coverage Options

Elephant Insurance offers various coverage options tailored to individual needs. You can customize your policy based on the coverage you need and add-ons such as roadside assistance and rental reimbursement.

Frequently Asked Questions

Question
Answer
What is Elephant Insurance’s cancellation policy?
You can cancel your policy at any time by contacting Elephant Insurance’s call center.
Does Elephant Insurance offer discounts?
Yes, Elephant Insurance offers numerous discounts, including safe driver discounts, multi-car discounts, and homeowner discounts.
How do I file a claim with Elephant Insurance?
You can file a claim through Elephant Insurance’s website or call center. The company assigns you a dedicated claims representative who will guide you through the process.
What is Elephant Insurance’s financial strength rating?
Elephant Insurance has an excellent financial strength rating of A+ from A.M. Best.
Does Elephant Insurance offer commercial auto insurance?
No, Elephant Insurance only offers personal auto insurance.

Conclusion

Auto insurance is essential for all car owners, and Elephant Insurance offers several options to cater to different needs. With its competitive rates, user-friendly platform, flexible coverage options, and excellent customer service, Elephant Insurance may be a good option for you. We hope this journal article has provided valuable insights into what Elephant Insurance offers.