Elephant

• Uncommon Coverage Offerings
• Competitive Discounts
• Convenient Online and Mobile Tools

Uncommon Coverage Offerings

If you have specific needs for car insurance, you may benefit from some of Elephant's specialized coverage options:

• Loan or lease coverage (finishes paying off your loan or lease balance if your car is totaled)
• Non-owner car insurance (coverage for people driving cars they don't own)
• Custom parts or equipment
• Roadside assistance
• Pet injury
• YourMechanic (mechanics visit your home or office to fix your car)
• Legal assistance (covers attorney fee for a minor traffic violation once per year and offers access to discounts on other legal services

Through Elephant, you can also find the standard car insurance coverage offerings for the industry: liability, comprehensive, collision, uninsured or underinsured, medical payments, and personal injury protection coverage. Its policies also automatically include an accident forgiveness program that can be upgraded.

Competitive Discounts

Elephant's discounts are competitive for the industry. You may be eligible for the following discounts:

• Car safety features
• Paperless billing
• Multiple cars insured
• Responsible driver
• Online quote
• Early bird (buying a policy early)
• Referral discount
• Multiple policies
• Good student
• Pay in full
• Work from home
• Homeowner

Many insurers offer similar discounts. However, Elephant stands out for its referral discount and its work from home discount. If your friends and family are also looking for insurers or you regularly work from home, Elephant's discounts can be beneficial.

Beyond discounts on the auto insurance premium, you can add a diminishing deductible feature to your policy. With this feature, your deductible lowers by $100 per year for good driving. The maximum your deductible can be lowered is $500.

Convenient Online and Mobile Tools

Like other insurers, Elephant makes it easy to manage your car insurance policy through an online account or mobile app. You can pay bills and edit payment options.

The company's Claims Photo App makes it easy to file claims and submit pictures when you file.

Even before you purchase an auto insurance policy through Elephant, you can benefit from its Coverage Wizard tool that asks questions about your lifestyle and makes coverage recommendations based on your responses.

• Insufficient Customer Insight
• Limited Availability
• Difficult to Find Financial Strength Information

Insufficient Customer Insight

Best Company has not received many Elephant auto insurance reviews, so general conclusions about the customer experience are not available. Based on the small number of reviews received, feedback is mixed.

Limited Availability

Elephant auto insurance isn't available throughout the United States. The website doesn't offer a list of areas it serves. However, when you request an online quote, you'll be redirected to another site if Elephant doesn't offer insurance coverage in your area.

Difficult to Find Financial Strength Information

High financial strength ratings are an important characteristic of a trustworthy insurer because they indicate a company's financial stability and ability to pay claims. Most insurers make this information easy to find on their website.

The financial strength ratings for Elephant Insurance Company and Redpoint Mutual Insurance are difficult to find on Elephant's site, so it's unclear how well Elephant's policies are backed financially.

If you opt to work with Elephant for car insurance, ask for verification of the insurer's financial strength before you make a purchase.