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Esurance Launches Coverage Counselor To Help Customers Understand Premiums

The goal of the online tool is to present easy to understand information on coverage options based on user input.

San Francisco-based Esurance has rolled out Coverage Counselor, a new interactive tool that uses user-provided, state-specific information to help people select coverage.

The goal of Coverage Counselor is to help customers understand how their personal circumstances impact their insurance premium, as well as compare different levels of coverage, rather than working backwards from price.

"Picking your own price doesn't mean you're getting coverage that ensures that you are properly protected, and finding out you have the wrong coverage after you've had an accident is a terrible experience," Esurance CMO John Swigart says in a statement. "Coverage Counselor allows consumers to explore different choices for getting the right coverage before they buy, and it empowers them to make smarter decisions about their car insurance to help ensure that they are properly protected."

An example of a question asked by the Counselor is "Do you have children who drive?" It also explains how much particular coverage levels will impact premium, and provides definitions of insurance terms such as like deductible, limit, and comprehensive. Coverages can later be transferred to the quoting and buying process.

[Read how Esurance looks to retailers as role models in developing new customer capabilities.]

Nathan Golia is senior editor of Insurance & Technology. He joined the publication in 2010 as associate editor and covers all aspects of the nexus between insurance and information technology, including mobility, distribution, core systems, customer interaction, and risk ... View Full Bio

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