Love and insurance don’t necessarily go together like a horse and carriage. More like a house on fire, you might say. Between deductibles, paperwork, and monthly premiums, there’s likely not a lot of love lost between you and your carrier. You have to have insurance and so you pay your premiums, you renew your coverages, and that’s that. Fair enough.

But here at Esurance, we like to think that it can be different. That in the modern world, it’s possible to not only endure your insurance, but to love it. And so we’ve started doing things differently.

Because we know that technology reigns in today’s world, we’ve created intuitive tools and platforms that make everything from getting a quote to filing a claim quicker, easier, and (dare we say) more lovable. Not lovable in a box-full-of-kittens sort of way, but in a more utilitarian way.

We think you should love your insurance in the same way that you love your phone or onboard navigation system … because it makes your life simpler and better. And so we’ve evolved the insurance experience to fit seamlessly and (nearly) effortlessly into your modern life.

While there are many reasons to love us, these are the top 9.

1. Esurance Mobile

Our mobile app is designed to simplify your life by making it super-duper easy to get things done. Get the app.

Why you’ll love it: If you need to pay your bill, add or delete a car or driver, or even pull up your insurance cards, you can. Lickety-split, just like that. Insurance doesn’t have to be a Saturday morning chore anymore. Do what you need to in just minutes … on the morning train or waiting for happy hour to start. A peppermint martini while you pay your premium? Well, we think that’s pretty lovely.

2. DriveSense

When you sign up for DriveSense, you’ll automatically receive a 5 or 10 percent discount depending on your state. After that, you can earn a personalized discount each policy term based on your driving. See how it works.

Why you’ll love it: The safer you drive, the more you could save. Feeling warm and fuzzy yet?

3. What If® calculator

Life, it seems, is a constant flow of variables and hypotheticals, all impacting each other and some (yes) impacting your rate. Our What If Calculator can help you figure out exactly how some of life’s variables may affect your insurance premiums. See how it works.

Why you’ll love it: While our magic calculator can’t actually help you avoid a rate increase due to, say, a speeding ticket or fender bender, it can help you anticipate how much a given increase might be. It can also help you determine if your rates will go up or down if you move to a different ZIP or buy a different car. It’s a small thing but pretty smart. And in a world with so many unknowns, sometimes a little smarts can go a long way.

4. Photo claims*

Available on Esurance Mobile, our photo claims feature speeds up the payment process by making it possible to send photos of the damage from your phone. See how it works.

Why you’ll love it: If there’s anything to love about getting into a fender bender, this is it. Photo claims can’t turn back time to undo the damage, but it can speed up the time between bummer and getting back on the road. Start your claim, snap a few pics, and send them to your rep for an estimate. You’ll love just how quick and easy it is.

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*A note from our legal team: photo claims is not available in all states or for all claims, and submitting photos for appraisal doesn’t guarantee coverage or payment of a claim.

5. Video appraisal**

Another cool feature on Esurance Mobile, video appraisal takes DIY to a whole new level by letting you video chat with your appraiser on your smartphone. See how it works.

Why you’ll love it: Video appraisal makes it easy (almost unbelievably so) to keep your claim moving quickly once it’s been filed. Using smart technology available only from Esurance, you can video chat live with your appraiser whenever it’s easiest for you. And to top it all off, you could get your estimate and payment on the spot. Love!

**A note from our legal team: video appraisal is not available in all states or for all claims.

6. DriveSafe

Esurance DriveSafe is designed to provide you with essential information about your teen’s driving so you can coach them on specific habits. It also allows you to receive customized alerts so you know if your teenager is speeding, accelerating too quickly, or driving past curfew. And you can enjoy peace of mind knowing that they can’t access their social media or check email while driving.* See how it works.

Why you’ll love it: If you’re a parent, you’ll love being able to help your teen become a safer, more responsible driver. If you’re not a parent, you’ll love knowing that there are fewer teens tweeting, taking selfies, and doing who knows what while driving.

Another note from our legal team: because iPhones® do not support restriction of phone functionality, when the vehicle is in motion, teens with iPhones will see a banner on their home screen, reminding them not to use their phone while driving.

7. Coverage Counselor®

Just answer a few simple questions and Coverage Counselor will help you find the insurance that’s right for you. See how it works.

Why you’ll love it: Like its name implies, Coverage Counselor helps you figure out how much of this coverage and how much of that coverage might be right for you. Which could mean less time banging your head against the wall. Less ibuprofen. And more time for the things you love.

8. Fuelcaster™

With Fuelcaster, you can know whether to buy gas today or wait for cheaper prices tomorrow. Using data gathered from gas stations across the country (and a lot of advanced math), Fuelcaster predicts whether gas prices will rise or fall — empowering you to make smarter decisions and save money in the process. See how it works.

Why you’ll love it: Because you’ve always secretly wished you could predict the future and now you can. Get a prediction.

9. Insurance for the modern world®

This philosophy informs everything we do here at Esurance and allows us to keep pushing the industry forward.

Why you’ll love it: Because you live in the modern world, you expect things to be smarter and easier than ever before. You want products that are tailored to you and you alone, and you don’t have time for old-fashioned processes or antiquated ideologies. Whether you’re buying a Fitbit® or a phone, you want a suite of features that’s fully customizable and intuitive to your needs. Esurance offers exactly that, and that’s exactly why we think you’ll love us.

Get a quote today to feel the love.

Insurance 101

about Heidi

Heidi brings 11 years’ experience to her role as Esurance’s copywriting manager. Writer, editor, and all around wordsy, she was content when content wasn’t cool. Also, she likes old-school country.