Central National Auto Insurance Review (2020)

Central National auto insurance operates under the Esurance brand. They offer auto, home, renters, condo, manufactured, and life insurance to clients.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 20, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 650 Davis Street
City: San Francisco
State: CA
ZIP Code: 94111
Phone Number: 1-800-ESURANCE
Year Founded: 1999
AM Best Rating: A-
Company Rating 0 (0 reviews)

Things to Remember...

  • Central National Insurance was rehabilitated in the early 1990s
  • Central National was acquired by White Mountains Re Ltd in 2009
  • Central National policies are now being processed by Esurance

Research for this Central National auto insurance review revealed that Central National Insurance was ordered by the state of Nebraska to rehabilitate in 1990.

While undergoing rehabilitation, White Mountains Re Ltd. began acquiring the insurance company in 2009.

The acquisition was approved by the state of Nebraska Department of Insurance and the court in 2010.

Under the White Mountains label, Central National auto insurance is now being processed under Esurance which is directly marketed and underwritten on the internet through call centers.

Esurance is currently under an agreement to be acquired by Allstate, but they are currently processing policies under the Esurance name.

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Central National Automobile Insurance and Esurance Agents

All Esurance agents are online. However, should you wish to talk with an agent, there is a 24-hour hotline at 1-800-378-7262 or 1-800-ESURANCE.

Regional offices and their phone numbers are also available on the website.

You can also contact Esurance by email with the link provided on the site.

Corporate Headquarters are located at:

650 Davis Street
San Francisco, CA 94111

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How do I get a quote with Esurance?

Esurance quotes can be received by simply inputting your ZIP code into a box. You can even save your quote and look at it later.

The site also provides the ability to compare quotes with other competitors.

Automobile insurance coverage varies per person per need. Esurance can recommend limits and levels in regards to basic liability, collision deductibles, comprehensive deductible, uninsured and underinsured motorist, medical coverage, rental and emergency road service.

Esurance also provides automobile insurance coverage for specialty cars as well as providing comprehensive, collision, and liability coverage.

One benefit Esurance provides is to cover the vehicle as soon as it is purchased. Coverage for injuries that occur during auto shows is also under the Esurance specialty car plan.

In addition to these benefits, the policy also covers spare parts.

Esurance Claims

Esurance claims can be filed online, over the phone, or through Esurance mobile for iPhone.

Automobile repairs can be monitored online or through your cell phone. You can also contact your repair shop directly.

Your repairs are guaranteed for the life of your car through Esurance’s E-star direct repair program.

Online photographs of your vehicle, while being repaired, are available to all Esurance policyholders.

Frequently asked questions and answers are available for your review on the website.

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Esurance Benefits

Esurance offers policy benefits to its customers. For example, if you have been claim-free for five years or more, there is a discount of up to 20 percent on your policy.

Multi-car discounts are also available. Esurance offers a Switch & Save discount for changing from another insurance company to Esurance. If you begin your quote online, you can save an additional 5 percent.

Paying your premium in full will net you a 10 percent discount, and additional safety discounts are available should your vehicle have anti-lock brakes or anti-theft devices or other noted safety mechanisms.

Esurance also offers advice on buying hybrid vehicles because they consider themselves to be a green company and therefore offer extensive information on purchasing a hybrid car.

As Esurance strives to save you money, they are determined to fight fraud. The company has a special investigation unit that investigates any potential fraud.

Another benefit of Esurance is the ability to print your insurance cards online, update policy information, and access insurance documents.

Esurance believes in educating its customers and thus has extensive questions and questions on its website and articles which educate the driver.

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Esurance Reviews

  • Esurance proudly displays quotes and comments on their superb customer service and pricing on their website.
  • Esurance is also a member of the Better Business Bureau Online and the Verisign Secure Site Program.
  • Esurance is also current with the technological times. You can follow them on Twitter and Facebook.
  • Esurance is an “A-” rated insurance company by A.M. Best.

You can get online auto insurance quotes from active providers by typing your ZIP code into the free rates tool now!


  1. https://www.esurance.com/
  2. https://www.nebraska.gov/
  3. https://www.propertycasualty360.com/2010/01/25/white-mountain-acquires-central-national-insurance
  4. https://www.esurance.com/
  5. https://www.allstate.com/
  6. https://www.thebalance.com/comprehensive-vs-collision-coverage-527402
  7. https://ambest.com/

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