Elephant Auto Insurance Review


Rating: 7.9 / 10 (Very good)
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How is Elephant Auto Insurance rated?
8/10
Coverage
7/10
Pricing
8/10
Discounts
8/10
Financial Ratings
9/10
Support Services

Elephant Auto Insurance sells flexible auto insurance plans that help car owners save costs, and mitigate the financial toll of a collision or other unexpected events. Auto insurance is not only required by law in most of the fifty states, it provides protection and should be part of everyone's overall financial planning. 

Coverage

Elephant Auto Insurance offers bodily injury liability, personal property damage liability, personal injury protection and medical insurance coverage, uninsured motor vehicle coverage, comprehensive coverage, collision coverage, rental car coverage, and custom parts and equipmenta, should they be needed. They also have plans that cover collectible cars, ATVs, and motorcycles. 

Plans and Pricing

Each state covered by Elephant Auto Insurance has different insurance coverage requirements, with minimum liability limits. For instance, in Virginia and Illinois, the minimum limit for bodily injury is $25,000 for the death or injury of any one person in any one accident, $50,000 for all persons in any one accident, and $20,000 in property damage for any one accident (this is also known as 25/50/20 coverage). In Maryland, this rule increases to 30/60/15, ($30,000 / $60,000 / $15,000), for each of the three categories. Plans and pricing, therefore, also vary by state and level of coverage.

Some examples include:

Single Female, age 23 $1,928
Single Male, age 23 $1,817
Single Female, age 65 $764
Single Male, age 65 $964
Married Female, age 35 $1,107

Discounts

Elephant offers competitive rates and discounts, including online purchasing, and multi-car and multi-policy discounts. Discounts are given to responsible drivers, homeowners, good students, and mature drivers who have taken a crash prevention course. Finally, Elephant Auto Insurance also provides discounts for paying in full, being three years clean, employing anti-theft devices, and opting for paperless accounting. 

Financial Ratings

BBB: A-

A.M. Best: not rated

NAIC Complaint Index: 2.23 (worse than average)

Support Services

Elephant Auto Insurance provides a 24/7 phone claims processing line for clients’ convenience, roadside assistance, and a network of repair shops. They also provide a number of informative resources on their website, with infographics, policy tips, and a glossary. 

The Bottom Line - Elephant Auto Insurance

Elephant auto insurance rates are very competitive in the field. Their plans are flexible and can be tailored to individual coverage and budget needs. They also provide a number of discounts consistent with the industry standard. They also have a repair assistance program that help facilitate damaged vehicle repairs 

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