Elephant Insurance Car Insurance Review in 2022
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UPDATED: May 11, 2022
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- Elephant Insurance offers a variety of insurance coverages in eight different states
- This relatively young company promises up to 40% in discounts and offers perks like diminishing deductibles for safe drivers
- Elephant is accredited by the Better Business Bureau with an A+ but reports a customer satisfaction rating of 1.21 out of 5 stars
Whether you need basic liability insurance to meet your state’s minimum requirements or want to add specialized insurance, finding the right insurance company for you can feel daunting. The first step is to review your options – and here, we’ll review Elephant Insurance.
Want to know what Elephant Insurance has to offer and if this insurance company is right for you? Keep reading to learn more about Elephant auto insurance, including coverages, discounts, the claims process, ratings, and customer reviews.
What types of coverage does Elephant Insurance offer?
Elephant auto insurance comes in many forms, but the most common types are liability, collision, and comprehensive coverage. Every state has different requirements for the minimum auto insurance coverage you can have, so make sure you know your state’s regulations before shopping around.
Some basic Elephant coverages have special perks. For example, Elephant automatically adds a $1,000 pet insurance policy to any collision policy. It can cover medical expenses for up to two pets injured in an accident. If you have a dog or a cat you regularly travel with, consider adding collision. Collision coverage deductibles range from $50 to $2,500.
Comprehensive insurance deductibles can range from $0 to $1,000. To sweeten the deal, Elephant offers free windshield repair for glass-only claims where your deductible doesn’t apply.
If you need add-ons to increase your safety net, don’t worry. Elephant has a variety of elective coverages that allow you to individualize your coverage. Take a look at the following chart to compare Elephant car insurance add-ons.
Elephant Auto Insurance Add-Ons
Take a look at our breakdown of additional coverage from Elephant.
|Coverage type||What it covers|
|MedPay or personal injury protection insurance||The cost of your medical bills, particularly those not covered in your health plan|
|Loan/lease coverage||Up to 25% of your car’s actual cash value after being totaled or stolen|
|Legal resources coverage||100% of legal fees for one minor traffic violation per year and 25% of all other legal fees|
|Roadside assistance||Roadside emergencies, such as getting locked out, running out of gas, getting a flat tire, and needing to be jumped or towed|
|Rental reimbursement coverage||The cost of a rental car while your insured car is being repaired|
|Custom parts and equipment coverage||Damage to custom modifications that aren’t covered under standard policies|
|Non-owner insurance||Those who don’t have a car but need insurance|
Some add-ons have set prices. Legal resources coverage, for example, is an extra $6 per month. The cost of other add-ons will depend on your location and driving history.
What auto insurance discounts are available with Elephant Insurance?
Discounts can help lower your monthly rate significantly. See which discounts are applicable to you.
- Online Quote Discount. Save 15% automatically when you get your quote online.
- Electronic Signature Discount. Sign without having to leave the house.
- Multi-Car Discount. Insure multiple cars with one Elephant policy.
- Multi-Policy Discount. Bundle up your auto insurance with another policy.
- Early Bird Discount. Purchase a policy before your old one expires and get an automatic 10% discount.
- Referral Discount. Cash in on savings if you refer a new customer or are referred by an existing customer.
- Paperless Discount. Get your bills online for a 3% discount per car.
- Good Student Discount. If you have good grades, you can lower your rate by up to 10%.
- Pay in Full Discount. Paying your total rate will save you money.
- Work From Home Discount. Save money by driving less.
- Responsible Driver Discount. Get this 10% discount for remaining accident-free.
- Homeowner Discount. Add a property insurance policy to get savings.
Customers who capitalize on these discounts can save up to 40% on their car insurance bills.
Does Elephant offer any special perks?
Safe drivers can take advantage of special perks like diminishing deductibles. A record free of accidents means your deductible can go down by $50 per six-month policy or $100 per annual policy. You can reduce your deductible by a maximum of $500, which could make your deductible $0, depending on your policy. Elephant also doesn’t reset diminishing deductibles, so even if you have an accident, you won’t see a reduction in your deductible.
Elephant also offers both standard and upgraded accident forgiveness. With standard accident forgiveness, your rate will remain the same even if you get into an accident after three years of staying accident-free, but you also have the option of upgrading it early to protect your rate.
Whether or not you’re a safe driver, all Elephant policyholders have access to YourMechanic, which brings repair services to your home or workplace at a lower price. From oil changes to brake pad replacements, all 600-plus services include a one-year, 12,000-mile warranty. All quotes are free, and Elephant usually has a special code for new or returning customers to get discounts.
How can you file a claim with Elephant Insurance?
If you prefer to work at your own pace, you can use the Elephant claims photo app or their simple online tool to file a claim at any hour of the day. To get started, you’ll need:
- Your policy number
- Your phone number
- The date, time, and location of the incident
- The number of vehicles involved
The app allows you to track the status of your claim and even upload photos without having to meet with an appraiser. However, if you prefer a more personal touch, you can reach an agent over the phone during their office hours. They’re open every day except for Sunday.
Does Elephant Insurance offer any other types of insurance?
The Elephant insurance company doesn’t just do auto insurance. Other options include:
- Homeowners insurance
- Renters insurance
- Condo insurance
- Life insurance
- Umbrella insurance
Elephant also offers motorcycle insurance as a specialized auto policy. Each state has its own minimum requirements for motorcycle coverage, but Elephant has multiple discounts offered to H.O.G. members and rider groups that can make it even more affordable. Don’t forget that bundling multiple policies can make you eligible for the multi-policy discount.
How is Elephant rated?
Elephant Insurance is accredited by the Better Business Bureau with an A+, boasting quality coverage that’s 14% cheaper than the national average. However, where Elephant struggles is its customer satisfaction. Due to its small size, Elephant Insurance customer service doesn’t have the manpower to handle claims efficiently, leading to an NAIC rating of 1.6. This means Elephant receives far more complaints than expected from a company of its size.
The Wrap-up on Elephant Insurance
Elephant Insurance offers auto coverage to customers in nine states, promising discounts that could add up to 40% off. It sells directly to customers and offers perks such as diminishing deductibles, upgraded accident forgiveness, and access to repair services through a program called YourMechanic. Rated A+ by the BBB, Elephant boasts quality coverage at an affordable price.
Figuring out what coverage works for you can be difficult, but with the right company and a plethora of discounts, you should be able to find an affordable policy that fits your needs. This guide should give you the scope of options Elephant Insurance has to offer so that you can make well-educated decisions moving forward. If you’re ready, enter your ZIP code here and view free quotes from top companies today.
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