Elephant Insurance Reviews, Coverage Options, and Ratings in 2020

The Zebra
Dec. 17, 2019

Elephant Insurance review: compare coverage options and see ratings for 2020


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3.5 Rating from The Zebra

A relative newcomer to the insurance space, Elephant has nonetheless made quite an impact since its founding in 2009. Headquartered in Richmond, Virginia, it is a subsidiary of the Admiral Group, which is based in the UK. Elephant maintains a presence in a number of countries, offering an array of coverage options. Available in six states — Indiana, Illinois, Maryland, Tennessee, Texas, and Virginia — it may be a competitive option for your next policy. However, Elephant receives so-so customer service ratings. Take a look at The Zebra's Elephant insurance review, including a detailed breakdown of coverage options, discounts, and customer complaints.


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JD Power Rating — Not Rated

Financial strength — Excellent: A financial strength rating of “excellent,” from AM Best, underlines Elephant Insurance's fiscal solidity. Its ability to pay out claims is strong.

NAIC Rating — More complaints than average: The National Association of Insurance Commissioners (NAIC) has registered considerably more customer complaints about Elephant Insurance than the average for all insurers. NAIC complaints may be a product of poor experiences during the claims process or customer service dissatisfaction.

JD Power Rating — Not Rated

Financial strength — Excellent: A financial strength rating of “excellent,” from AM Best, underlines Elephant Insurance's fiscal solidity. Its ability to pay out claims is strong.

NAIC Rating — More complaints than average: The National Association of Insurance Commissioners (NAIC) has registered considerably more customer complaints about Elephant Insurance than the average for all insurers. NAIC complaints may be a product of poor experiences during the claims process or customer service dissatisfaction.

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Elephant auto insurance coverage options

Elephant provides standard coverage options like liability, collision, comprehensive, and uninsured motorist coverage. See below some of the optional features that can be added to an Elephant insurance policy. 

 

Roadside assistance

Elephant partners with technology company urgent.ly to provide fast, secure, and high-quality roadside assistance services for policyholders.

Elephant roadside assistance delivers:

  • Towing
  • Battery jumping
  • Emergency fuel delivery
  • Flat-tire replacement
  • Lock-out services

 

Diminishing deductible

This is also known as a vanishing deductible. If your collision deductible is $500 or more, adding Elephant’s diminishing deductible option will lower that amount by $100 for each accident-free year, with a maximum total decrease of $500. It will remain unaffected if you get into an accident after your deductible was already lowered.

 

Rental reimbursement

If you need a rental car while your own vehicle is out-of-commission while being repaired, Elephant offers a choice from various tiers of coverage limits to be allocated towards rental reimbursement.

 

Custom equipment

Elephant offers custom equipment coverage if your car is modified with special parts. This is only applicable if you have comprehensive and collision coverage.

 

Legal assistance

Applicable for contesting one minor traffic infraction per year and per driver, Elephant’s legal assistance will cover the cost of a consultation and representation by a lawyer. You can also get a 25% discount off attorney fees for pre-existing, non-auto-related legal matters like family law, documentation review, and will preparation.

 

Elephant insurance discounts and reward programs

Elephant gives you the chance to save money on car insurance in a few different ways. Many of the traditional discounts offered by many of the big insurance providers can also be found here. Check out the following Elephant car insurance discounts.

 

Discounts based on your policy
  • Bundling: Get a multi-policy discount by bundling your auto with homeowners, renters, or motorcycle insurance.
  • Online quote: Get your quote online on Elephant’s website to get an immediate 12% off your rate.
  • Pay-in-full: Pay your annual premium in one lump sum to save some money — and you’re good for the year!
  • Go paperless: Elephant customers who opt-out of paper bills get up to 3% off per insured vehicle.
  • E-signature: Enroll in your policy with your electronic signature to qualify for a small discount.

Discounts based on the driver or vehicle
  • Multi-car: Insure more than one vehicle on your policy to get up to 20% off your premium.
  • Good driver: Elephant rewards responsible drivers with up to 10% off if you have a good driving record and have been accident-free for five years.
  • Good student: If you’re a full-time student between ages 16 and 25 with at least a “B” average, you’re eligible for a good student discount.

 

Additional lines of insurance

Elephant offers a variety of other insurance options, many of which you can bundle with your auto policy:

 

Is Elephant Insurance right for you?

The coverage options and discounts available through Elephant Insurance make it a competitive option when compared to some of the larger and more well-known car insurance companies on the market. However, if customer service is something that you value, consider expanding your search via The Zebra or an insurance agent.

The Zebra is here to help. Enter your ZIP code below to get insurance quotes from dozens of companies so that you can find the best coverage at the best rates.

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