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Elephant Insurance is a large insurance company offering a full suite of auto insurance policies as well as other insurance products such as property and life insurance. It was founded in Richmond, Virginia, in 2009, and serves customers in 6 states. It has quickly established a reputation for offering competitively priced car insurance backed by good customer service.
Pros and Cons
Elephant allows policyholders to add extra coverage or make changes to their existing coverage at any time, with changes taking effect within 24 hours. Say you start off with just the minimum coverage required in your state, e.g. bodily injury liability and property damage liability. It’s quick and easy to add collision, comprehensive or any other type of coverage later on. Elephant also rewards customers for their loyalty by offering discounts of up to 40% on the price of car insurance for registering multiple vehicle or purchasing other types – such as homeowners’ insurance or renters’ insurance.
Elephant currently serves 6 states but is planning to branch out to more locations. These are the states where it is currently available for car insurance: Indiana, Illinois, Maryland, Tennessee, Texas, Virginia. Elephant is a good provider for standard policies, but it’s worth noting that it doesn’t offer much in the way of specialty policies. For example, it doesn’t offer custom policies for classic or antique cars.
Types of Auto Insurance
Elephant offers these types of car insurance:
Bodily Injury Liability. Covers expenses related to other people’s injuries if you’re at fault in a car accident, such as medical bills, loss of income, or pain and suffering.
Property Damage Liability. Covers expenses if your car damages someone else’s property, such as their car, house, or anything else that belongs to them.
Collision. Covers damages to your car when it collides with another vehicle or another object (such as a pole).
Comprehensive. Covers damages to your car for losses from incidents not covered by your Collision policy. This could include theft, flood, storms, or collision with animals.
Uninsured/Underinsured Motorist. Covers certain expenses resulting from accidents in which the other party was at fault but is either uninsured or doesn’t have a sufficient level of insurance to cover your expenses.
Loan/Lease Payoff. Also known as “Gap coverage”, this policy pays the remaining loan balance on a financed vehicle if that vehicle suffers a total loss. The Comprehensive or Collision coverage pays the actual cash value for the vehicle, minus the deductible; the Loan/Lease Payoff then pays the difference between the cash value and any remaining amount owed on the car.
Medical Payments. Covers medical expenses for injuries to you or your passengers resulting from an auto accident, regardless of which driver was a fault.
Rental Reimbursement. Covers the cost of a rental car if your car is in the shop for more than 24 hours.
Roadside Assistance. Provides roadside services through a third-party company, including: towing, jump-start, tire replacement, fuel delivery, and lock-out services.
Custom Parts and Equipment Coverage. Covers permanently attached equipment, devices, and accessories added by anyone other than the car maker.
Income Loss Coverage. Covers any income loss resulting from injuries caused by an accident.
How to Apply
Elephant promises 15% savings on your auto insurance when you apply for a quote online (as opposed to speaking to an agent over the telephone). To apply for a quote on the Elephant website, first enter your post code and click “Get a quote”. Then follow the steps below. While you’re entering your details, you’ll see a reference number on the right-hand side of your screen that you can use at any time to continue your online application over the phone.
  • Enter personal details including name, email address, phone number, and postal address.
  • Add vehicle info, such as the year, make, model, and body style. Answer questions about things such as the year you purchased the vehicle, whether you were the original owner, annual mileage, and whether it has any safety features.
  • Enter more details about yourself, such as where you’re employed, how long you’ve had your driver’s license, and whether you own or rent your home.
  • You’ll be asked some final questions about your driving history, such as whether you’ve had any convictions, and who your current insurer is.
  • Within a few seconds, you’ll be redirected to a screen with your quote. You’ll also have the option of toggling between the different policies and coverage limits to change your level of coverage and payments.
Filing a Claim
Filing a claim with Elephant is very straightforward. Judging by online feedback, most customers appear satisfied with the speed and effectiveness of Elephant’s claims process. You can file a claim via any of the following channels: