Elephant Insurance Review: What You Need to Know Before You Buy

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Are you in the market for car insurance? Then you’ve likely come across Elephant Insurance in your search. As a newer player in the insurance industry, it’s understandable if you have some questions or reservations. That’s where we come in.

In this article, we’ll provide a thorough review of Elephant Insurance, covering everything from their pros and cons to their customer reviews and pricing. By the end, you’ll have all the information you need to decide if Elephant is the right insurance provider for you.

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Table of Contents

History of Elephant Insurance

Elephant Insurance was founded in 2009 as an online-only insurance provider. Headquartered in Richmond, Virginia, the company prides themselves on their user-friendly website and customer service.

Since their launch, Elephant has expanded their coverage options and service areas. They currently offer car insurance in Illinois, Indiana, Maryland, Tennessee, Texas, and Virginia.

Pros and Cons of Elephant Insurance

Before diving into the details of Elephant’s coverage and pricing, let’s take a quick look at some of their pros and cons.

Pros
Cons
Competitive pricing
Limited availability (only available in 6 states)
User-friendly website and mobile app
No physical locations for in-person service
24/7 customer service availability
No accident forgiveness program

Overall, Elephant Insurance’s pros seem to outweigh their cons. While they may have limited availability, their pricing and customer service make them a good option for those living in their coverage areas.

Customer Reviews of Elephant Insurance

When considering an insurance provider, it’s important to read customer reviews. Here’s what people are saying about Elephant Insurance:

Positive reviews:

  • “Elephant Insurance saved me hundreds of dollars a year on my car insurance.”
  • “The website is so easy to use and their customer service is top-notch.”
  • “I’ve had a couple of claims with Elephant and they handled them quickly and efficiently.”

Negative reviews:

  • “Their initial quote was low, but when I signed up, the price went up significantly.”
  • “I’ve had some issues getting in touch with their customer service department.”
  • “Elephant Insurance seems to increase their rates with no explanation.”

While there are some negative reviews of Elephant Insurance, the majority of customers seem satisfied with their service.

Coverage Options with Elephant Insurance

One thing that sets Elephant Insurance apart from other providers is their flexible coverage options. Here are the types of coverage they offer:

  • Liability Insurance
  • Collision Insurance
  • Comprehensive Insurance
  • Uninsured/Underinsured Motorist Coverage
  • Rental Reimbursement Coverage
  • Pet Injury Coverage
  • Roadside Assistance
  • Custom Equipment Coverage

With these coverage options, you can customize your policy to fit your needs and budget.

Pricing for Elephant Insurance

Pricing will always be a major factor when choosing an insurance provider. Elephant Insurance seems to offer competitive prices, but it’s important to get a personalized quote to see how their prices compare to other providers in your area.

Here are some of the factors that can affect your insurance premium with Elephant:

  • Your driving record
  • The type of car you drive
  • Your age and gender
  • Your location
  • Your credit score

Keep these factors in mind when getting a quote from Elephant.

Frequently Asked Questions About Elephant Insurance

What sets Elephant Insurance apart from other providers?

Elephant Insurance stands out because of their flexible coverage options, competitive pricing, and user-friendly website and mobile app. They also offer 24/7 customer service, making it easy to get help with any questions or issues.

Is Elephant Insurance only available online?

Yes, Elephant Insurance is an online-only provider. They do not have any physical locations for in-person service.

What kind of discounts does Elephant Insurance offer?

Elephant Insurance offers a variety of discounts, including multi-car discounts, safe driver discounts, and defensive driving course discounts. They also offer discounts for military personnel and their families.

Does Elephant Insurance offer accident forgiveness?

No, Elephant Insurance does not offer an accident forgiveness program. If you are at fault in an accident, your insurance premium may increase.

How can I get a quote from Elephant Insurance?

You can get a personalized quote from Elephant Insurance on their website or by calling their customer service department. Be sure to have your personal and vehicle information on hand when getting a quote.

Is Elephant Insurance a good option for new drivers?

Elephant Insurance can be a good option for new drivers, as they offer competitive pricing and flexible coverage options. However, be sure to compare their prices to other providers in your area to ensure you’re getting the best deal.

What is Elephant Insurance’s cancellation policy?

If you need to cancel your policy with Elephant Insurance, you can do so at any time. However, there may be cancellation fees depending on your state and policy details. Be sure to read your policy carefully before canceling.

Does Elephant Insurance offer roadside assistance?

Yes, Elephant Insurance offers roadside assistance as a coverage option. This can be added to your policy for an additional fee.

What is Elephant Insurance’s claims process?

If you need to file a claim with Elephant Insurance, you can do so online or by calling their customer service department. They offer 24/7 claims assistance to ensure you can get the help you need when you need it.

Overall, Elephant Insurance seems to be a good option for those in their coverage areas. With their flexible coverage options, competitive pricing, and user-friendly website and mobile app, they make it easy to get the car insurance you need. Just be sure to compare their prices to other providers to make sure you’re getting the best deal.

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