There is no Elephant in the Room: What Makes Elephant Auto Insurance Better?
Founded in 2009, Elephant Auto Insurance started their company by servicing the United Kingdom and India. In these two high-traffic countries, it can be hard to find simple, affordable, and reliable insurance. The insurer has spent the past decade building a reputation as a high-quality auto insurance company for the people and covers everything from simple accident claims to traffic-related deaths and work claims.
Recently, Elephant Auto Insurance established a headquarters in the United States in Richmond, Virginia. If you’ve been considering signing up for this insurer and you’re unsure of whether or not they’re able to stand up to the other competing insurers on the market, then you need to read this article.
Below, we’ll be breaking down some of the top reasons why drivers sign up with Elephant Auto Insurance, why their auto insurance is so affordable, and their future as a high-quality insurance provider in the U.S.A.
There are approximately 6,000 different auto insurance companies in the United States. Of course, there are the big ones that everybody knows, like:
We’re all familiar with these insurance giants because they advertise everywhere and mostly have great reputation . They own major sports arenas, advertise on major streaming platforms like Hulu and Amazon Prime, and even have multi-million-dollar Superbowl ad placements!
Aside from “the big five,” however, thousands of other small, locally-based, or international insurance companies also do business in the United States. The reason why you may have never heard of them before is that many times, instead of wasting all of their money on expensive TV ads and billboard placements, they invest their money into their customers.
While this may hurt Elephant Auto Insurance’s bottom line, it’s also what has allowed them to stay in business for over 12 years by providing high-quality insurance and award-winning customer service to their clients. It also means that their auto insurance policies are going to be significantly more affordable than major brand names. When a big-name brand insures you, you’re almost always going to pay a little bit extra for the advertising.
So, now that we’ve introduced you to Elephant Auto Insurance, it’s time to discuss some of the top reasons why this insurer could be a better choice than your current insurer. If you’re looking at purchasing a new policy for your automobile, then you’ll also find value in this article!
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If you’re like many of the insurer’s policyholders, then you’ve probably already wondered why they’re named ‘Elephant Auto Insurance.’ Elephants have almost nothing to do with cars, right?
Well, you’re correct in your assumption that elephants have nothing to do with cars. The name is a play on the age-old saying, “the elephant in the room,” which refers to a topic that’s almost impossible to ignore.
This insurer’s main goal is to make insurance affordable for everyday drivers. The “elephant in the room” in this case is the fact that most major U.S. insurers are charging an arm and a leg to insure a new vehicle. For example, if you live in Florida or New York, then the average full coverage auto insurance policy is going to cost you close to $2,500 per year or more!
Elephant Auto Insurance doesn’t have a strong advertising campaign because they would prefer to help their customers save money instead! If that’s not a strong reason to go with an insurer, then we don’t know what is.
As we mentioned, competition in the auto insurance industry is fierce as each provider must compete with thousands of other insurers. The Better Business Bureau (or BBB ) doesn’t just give out high ratings to anybody. They’re typically very strict with their awards, and in order for a business to receive a high ranking, they must exemplify excellent customer service and make a large portion of their policyholders happy.
As it stands, Elephant Auto Insurance currently has an ‘A+’ ranking from the BBB, meaning that they’re in the top percentile of high-quality, customer service-oriented insurers in the nation!
As we mentioned, Elephant Auto Insurance is just starting to expand in the United States. While this means that not everybody is eligible for coverage, it also means that Elephant is hyper-focused on providing excellent service so that they can smoothly expand into neighboring states.
Here is the current list of states where Elephant Auto Insurance provides coverage (updated: 4/10/2021):
Indiana
Illinois
Maryland
Tennessee
Texas
Virginia
Ohio (6-month policies only)
Elephant Auto Insurance understands that many people enjoy modifying their vehicles. Whether you’re slamming your car on some rims, installing high-fidelity speakers, turbo/super-charging your engine, or lifting your vehicle, Elephant offers coverage policies for the full value of your vehicle, including any modifications that you may add to your car or truck.
One of the top reasons why Elephant Auto Insurance is so cheap is that they focus almost exclusively on auto insurance. While you can purchase other types of insurance (such as homeowner’s or renter’s insurance ) from them, these deals are underwritten by third-party insurers, and claims are not handled directly by Elephant.
This focused business method means that the company doesn’t have to employ as many call centres or train employees to deal with multiple types of insurance claims. They’ve chosen to specialize in one area of insurance coverage and are focused on providing top-notch quality within that area.
Elephant Auto Insurance is cheaper than competing insurers because they don’t offer quite as many discounts. That being said, the insurance itself is a lot cheaper ( around 10% to 40% cheaper ) than major insurers, so the need for even more discounts is somewhat unnecessary.
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I just had an appalling experience trying to cancel my Mom's AAA insurance after she developed dementia and stopped driving. They threw up every barrier to what should have been a simple process, and even refused to accept my Power of Attorney documents electronically. The representative was extremely rude and copped an attitude. I think they refuse to close accounts so they can keep fraudulently charging non-driving seniors. This is a crooked company, and nobody should do business with them.
On May 10, 2023, I was involved in an accident with one of USAA's clients. Everything proceeded smoothly until they decided to give me the runaround in repairing my car or compensating me for its worth. The adjuster was nowhere to be found, and it took me a couple of months to receive any response from them. They informed me that my car was a total loss and provided a specific amount they were willing to pay for it via email, stating that I could dispute it if I could find a car in the same category with the same mileage within a 100-mile radius. Unfortunately, I couldn't find an exact match, but I did find a vehicle that was one year older and one year newer, so I disputed the price they were offering. They assured me they would get back to me in a couple of weeks, but I never heard from them again. Frustrated, I took the step of filing a complaint against them with the Texas Department of Insurance and the Office of the Attorney General. However, I received no assistance beyond the insurance company responding to me and denying my dispute without providing any tangible reasoning. This was after three months of back-and-forth since my car accident, with no access to a replacement vehicle or rental car. Now, it has been five months, and they are attempting to push the responsibility onto my own insurance. These actions indicate that these individuals are playing games with people's lives, and there seems to be no one holding them accountable. It is disheartening to realize that we live in a country that is supposed to protect average citizens from being taken advantage of by large companies like USAA, but this has proven to be far from the truth. I have lost trust in the entire system, and I am determined to stop paying insurance premiums to these corporate entities that seem only interested in taking our hard-earned money every day, without delivering the support they promise.
I was shopping for auto insurance on 11th September 2023. Liberty took$8614 out of my bank that same night without my permission. And now they will not return my hard earned money. Every time I call ,they give me sorry excuses. And now they tell me that ,yes we took your money by fraud. Go write your congressman. But we'll give it back to you in 15 days. Meanwhile my bills are piling. Liberty Mutual stole my money. Please avoid Liberty Mutual at every cost.
I have dealt with many auto insurance companies in my life time but none as deceitful as AAA!! I signed up with a AAA insurance agent back in March. The premium I was would be $138/month-(all good). The agent told me I had to pay 4 months in advance so I gave my credit card to pay for the 4 months including the current month. One month later I received my monthly invoice for payment. The amount due had jumped from $138 (monthly) to $276. I called AAA and they said this was because of an accident that occurred 5 months prior where the other driver was at fault, though the case was still had yet to be closed. AAA would not accept the quoted premium of $138/month. So I shopped for a new insurance policy. A division of Farmers Insurance (Toggle) sold me their auto policy which was superior to AAA at $118/month with only $500 deductible. I canceled AAA and jumped onto the Farmers policy. I contacted AAA to cancel the policy and requested the 3 months paid in advance be reimbursed to me. I was told that I would not be reimbursed and in fact I was still responsible for the premium payment of $276 - that this payment would not be forgiven. I have since filed a claim with the BBB (Better Business Bureau) and if this fails I will take AAA to small claims court. Prior to this experience I respected the AAA name. I've learned that this company is simply TOO BIG and feel they can take advantage of their customers at will. I have since canceled EVERYTHING AAA (roadside service and an insurance policy). This big business corporation is NOT TO BE TRUSTED!!!!
Total scam. Beware. They use drive easy app to bat and switch.
Not all those who wander are lost.
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