Anyone use Esurance?
 

I want to buy a nice strong policy from them on a monthly installment basis, but they want the first two months payments to be made upfront. I can't really afford that, so, I was going to start the policy with lesser coverages and then make changes to it.. but I would like to know if the prices might be extremely different if I do it that way.... Anyone insured with them? Good results? Happy with the service?

Geico is cheap and they only make you pay your first month up front ... unless of course maybe you are considered high risk and that's why they want a couple of months up front from you :2 cents:

Geico and Progressive usually are the cheapest, but progressive just raised my premium 40% out of the blue. The same coverage is now 60% cheaper through esurance. Geico is quoting similar to Progressive right now.. I don't know what all causes it, but you see huge fluctuations in automobile insurance prices... or at least, I always have. Even before any driving record issues.

I like that Esurance costs about half of what Allstate quoted me even though it's allstate backed. It's like I'm getting a discount for not being a fucktard who needs an agent and a branch and all of that shit.

I use them. Been happy with them for over a decade.

Getting the lower policy and then incrementally changing it is a novel idea. Back when I got started you didn't need to put up any money upfront. You just bought your policy and paid it. I think it was even cheaper back then (pre-2007-melt-down).

i don't know if they're still honoring it, but esurance gave me a 10% discount on my policy for simply having a paypal account. the CSR didnt even want proof or anything, just applied the discount when I said I had one haha. Maybe look into their discounts to bring costs down, they have a bunch of different ones