Why is Esurance banned in the states of Massachusetts, California, & Hawaii?
- 7 years agoFavorite Answer
That is NOT TRUE. Esurance (which is a subsidiary of Allstate) IS INDEED available in California. (You are correct that Esurance is not available in Massachustts or Hawaii, as per their web site - see the third link, below. I also see that they are not available in Wyoming or Montana, and probably a few other states).
Go to their free quote web site and say your zip code is 92101 (San Diego) or 90001 (Los Angeles). It will give you a quote.
Esurance in California
We first offered car insurance to California drivers in 2002. Esurance offers the following coverages and perks to Esurance customers in California.
Optional car insurance coverages in California
Medical and funeral services coverage
Uninsured motorist property damage coverage
Uninsured motorist bodily injury coverage
Rental car coverage
Customized parts and equipment coverage
Loan/lease (gap) coverage
Towing and labor coverage
Added later: Maybe this is what you read.
Many U.S. car insurance companies use credit-based insurance scores to help determine risk. (Unless you live in Massachusetts, Hawaii, or California, where the practice has been banned.) And studies have shown that there's good reason to use credit-based scoring in developing rates.Source(s): http://www.esurance.com/quote969?PromoID=GGLBR_CA0... http://www.esurance.com/states/california-insuranc... http://www.esurance.com/states http://www.esurance.com/insurance-resources/credit...
- lareLv 77 years ago
1 Esurance is not an insurance company, they are just a sales agent for actual insurance companies. it could be they have not been able to find a carrier that will re-sell through them in those states.
2. Insurance is regulated at the state level, it is very common for an insurance company to not have insurance plans that are accepted by all 50 states. Many insurance companies are not authorized for business in the 3 states you mention. I used to live in Wyoming, which is another state that many insurance companies don't bother to get certified.
3. If you are talking health insurance, understand that Hawaii has universal state issued health insurance, so there is no practical reason for private health insurance.
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- John SLv 77 years ago
Who says that it is? I can find no support for that claim.