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Elephant Auto Insurance: What They Offer

Fran
Fran Majidi January 19, 2021

Started in 2009, Elephant Auto Insurance is a consumer-focused car insurance company headquartered in Richmond, Virginia. The aim of Elephant Auto Insurance is to put its customers at the center of all efforts. Elephant Car Insurance is a wholly-owned subsidiary of Admiral Group, one of the U.K.’s leading insurers with a presence in eight countries and over six million customers worldwide. Let’s take a look at the auto insurance products offered by Elephant Auto as well as auto insurance discounts.

Auto Insurance Products from Elephant Car Insurance

Here is a short roundup of the auto insurance products offered by Elephant Car Insurance:

Liability. Liability coverage comes into play if you cause an accident that results in an injury to the other person or damage to their vehicle or property. Liability coverage can help to pay for their medical expenses, their vehicle repairs or any other damage you have caused. Elephant Auto Insurance recommends at minimum matching your liability limit to the value of your assets. In addition, the minimum liability coverage you are required to carry varies by state. So be sure to check out the rules for liability coverage in your state.

Collision. If you collide with anything from another car to a tree to a fire hydrant, collision coverage will pay for damages to your car as a result.

Comprehensive. This insurance will cover damages to your car not caused by a collision. This includes fire, theft, and vandalism, storm damage, contact with animals, falling objects and glass breakage. If you are financing your vehicle, Elephant Auto recommends getting both collision and comprehensive coverages. Most finance and leasing companies require you carry collision and comprehensive coverages for the life of the loan or lease. At Elephant Auto, 94 percent of all the vehicles insured that are leased or financed carry collision and comprehensive coverages. And 68 percent of customers with comprehensive coverage choose $500 deductibles.

Rental Car. This type of coverage pays for rental car costs when you need one after an accident. You’ll use this coverage to pay for rental car costs when your car is in the repair shop. This coverage only costs about $35 a year and Elephant Auto recommends not skipping this coverage. Be aware you may not be able to carry this coverage if you don’t have both collision and comprehensive coverages.

Emergency Roadside Assistance. This emergency coverage includes towing, battery jumps, flat tire replacements, emergency fuel delivery and lock out services. Roadside coverage typically costs around $35 a year and provides peace of mind if something should happen out on the road. Sixty-nine percent of Elephant Auto customers purchase roadside coverage through Elephant Auto.

Personal Injury Protection (PIP). This type of insurance will cover medical bills resulting from injuries that you or your passengers sustain in the event of an accident, regardless of who is at fault. This coverage is called MedPay in some states.

Uninsured Motorist Coverage. This coverage protects you in an accident when the other party doesn’t have insurance, doesn’t have enough insurance to cover the damage they caused or has committed a hit and run. Elephant Auto recommends this coverage.

Elephant Auto Insurance Discounts

Here are the auto insurance discounts offered by Elephant Auto Insurance. Scoop up as many as you can to save money on your car insurance premium. You could save as much as 40 percent of your premium, according to Elephant Auto Insurance.

Responsible Driver Discount. Haven’t had an accident in a while? You’ll be rewarded with a discount.

Multi-Car Discount. Insure more than one car with Elephant Car Insurance and enjoy a multi-car discount.

Safe Car Discount. Elephant Car Insurance values features like hands-free calling that help keep you and other drivers safe. You’ll get a discount for your safe car features.

Multi-Policy Discount. Get a home insurance policy and an auto insurance policy with Elephant Insurance and save money on your insurance premiums.

Good Student Discount. If one of the drivers in your household is a student, he or she may be eligible for a discount for getting good grades at school.

Online Quote Discount. You’ll qualify for a discount for setting up your insurance plan online.

Electronic Signature Discount. Sign your insurance documents with an electronic signature and earn a discount.

Paperless Account Discount. Sign up for paperless billing and you’ll be rewarded with a discount.

Pay In Full Discount. Pay your car insurance premium in one lump sum and you’ll be eligible for a discount.

Elephant Insurance Reviews

Elephant Insurance has a Better Business Bureau Rating and Accreditation of A+. Customer reviews of the company are located on the website. So you are able to see what current customers are saying about Elephant Insurance.

How to Switch Car Insurance Companies

Get Multiple Quotes. Step number one is getting multiple insurance quotes for car insurance. SmartFinancial makes this easy to do. With SmartFinancial’s help you’ll be comparing auto insurance rates near you in no time. SmartFinancial has access to more than 200 insurance companies so you’re bound to find the insurance coverage and price you are looking for.

Get Expert Advice. Check out the Better Business Bureau and Consumer Reports for information on the auto insurance company you are considering.

Check Your Coverage Needs. Take some time to review your auto insurance coverage needs and any discounts for which you qualify.

Sign Up for Your New Policy. Before you cancel your old policy, make sure the new policy is approved, active and has an effective date.

Cancel the Old Policy. Call your old insurance company and let them know you are canceling the policy.

Ask for a Refund. If you paid in full on your old policy and still have several weeks or months left before your next scheduled payment, you may be due a refund. On the flipside, if you switch car insurance companies at the end of your old policy’s term, you might not be eligible for a discount.

Notify the DMV. Your state’s department of motor vehicles may require that you notify them of any changes to your insurance coverage. So call the DMV with your new car insurance information. Reach out to Your Lender. If you are making payments on a vehicle, your lender will want to know about your new auto insurance company and policy. So reach out to your lender as soon as possible after you sign up for your new insurance coverage.

Check for Discounts. Check with your new insurance company about discounts. You want to get as many discounts as you can to lower your auto insurance premium. So don’t be shy about asking about discounts.

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