Car Insurance Quotes Esurance
Car Insurance Quotes Esurance
Car Insurance Quotes Esurance: How to Get the Best Rates & Coverage:
Esurance, an Allstate company, offers auto insurance directly to consumers through its website and phone centers, eliminating the middleman to help reduce costs. This guide covers Esurance pricing, discounts, and key features. On average, an Esurance policy costs $1,724 per year, but actual rates vary based on factors like location, driving history, age, and vehicle type. Coverage level also impacts pricing. Minimum coverage averages $991 annually, while full coverage costs around $2,146. Also, options such as rental car coverage may increase costs but could provide savings if a claim is filed.
Esurance offers convenience by providing instant quotes online or through its mobile app, available 24/7. You can customize your policy to fit your unique needs with options for liability, collision, comprehensive coverage, and more. The company provides competitive rates, ensuring you get affordable premiums without sacrificing coverage. Various discounts are available, including multi-car, multi-policy, and good student discounts.
Esurance’s innovative technology sets Esurance apart, which delivers precise quotes and simplifies the insurance process. The company is known for exceptional customer service, with friendly and knowledgeable agents available via phone, email, or online chat. Backed by Allstate, one of the largest and most trusted insurance companies in the U.S., Esurance also offers financial stability and reliability.
Getting a free car insurance quote is easy. Simply visit Esurance online or download the mobile app to get started. Enter your information, compare quotes, and customize your policy in just a few minutes.
Esurance Car Insurance Quotes
Car insurance from Esurance costs an average of $3,174 per year for full coverage and $1,300 per year for minimum coverage, according to data from Quadrant Information Services. These rates are higher than the national average, which is $2,678 per year for full coverage and $799 for minimum coverage.
While these figures provide a general comparison, it is important to note that Esurance stopped writing new policies in March 2023. Additionally, car insurance rates are highly personalized. Factors such as the type of vehicle you drive, your driving history, credit-based insurance score, gender, and age can all impact your final cost. As a result, your actual rate may be higher or lower.
How Much Does Esurance Car Insurance Cost
Car insurance quotes are determined based on the level of risk you present, which affects the likelihood of filing a claim. When you request a quote, insurers review your driving record to assess your risk. If you have traffic violations, such as an at-fault accident or a speeding ticket, you may face higher premiums. Additionally, not all insurance companies offer coverage to drivers with DUI convictions.
Below is how Esurance’s average rates (when it was actively issuing policies) compared to the 2023 national averages:
Good Driver, Good Credit:
- Esurance: $3,174
- National average: $2,678
Good Driver, Poor Credit:
- Esurance: $5,457
- National average: $4,708
Speeding Ticket, Good Credit:
- Esurance: $3,402
- National average: $3,270
At-fault Accident, Good Credit:
- Esurance: $5,152
- National average: $3,857
DUI Conviction, Good Credit:
- Esurance: $4,184
- National average: $5,182
Esurance Car Insurance Quotes By Age
Age is a major factor that influences car insurance premiums. Young drivers, especially teenagers or those added to a parent’s policy, usually face higher rates. This is because less experience on the road increases the likelihood of filing a claim. Below is how Esurance’s average premiums (when it was actively issuing policies) compared to national averages for drivers with a clean record:
Age 16:
- Esurance: $9,563
- National average: $5,757
Age 18:
- Esurance: $9,290
- National average: $4,968
Age 20:
- Esurance: $7,749
- National average: $5,458
Age 25:
- Esurance: $3,546
- National average: $3,308
Age 30:
- Esurance: $3,434
- National average: $2,862
Age 40:
- Esurance: $3,174
- National average: $2,678
Age 60:
- Esurance: $2,922
- National average: $2,411
Comparing Esurance Car Insurance Quotes
Car insurance costs vary by provider because each company considers different factors when determining rates. Insurance providers also cater to different demographics, offer unique discounts, and provide varying levels of coverage. Esurance’s rates are noticeably higher than the national average, which may be attributed to the fact that it no longer writes its policies.
Below is how Esurance’s rates (when it was actively issuing policies) compared to other major insurers for full and minimum coverage:
Esurance:
- Full coverage: $3,174
- Minimum coverage: $1,300
State Farm:
- Full coverage: $2,846
- Minimum coverage: $914
Progressive:
- Full coverage: $2,385
- Minimum coverage: $747
Allstate:
- Full coverage: $3,312
- Minimum coverage: $939
USAA:
- Full coverage: $2,059
- Minimum coverage: $594
Nationwide:
- Full coverage: $2,016
- Minimum coverage: $768
American Family:
- Full coverage: $2,825
- Minimum coverage: $907
Travelers:
- Full coverage: $2,120
- Minimum coverage: $657
Erie:
- Full coverage: $2,191
- Minimum coverage: $722
Auto-Owners:
- Full coverage: $1,808
- Minimum coverage: $496
Give Information Needed In getting Car Insurance Quotes Esurance
When applying for a car insurance quote with Esurance (or any insurer), you will need to provide key details to receive an accurate estimate. Below is what you will need:
Personal Information:
- Full name
- Date of birth
- Address
- Phone number and email
- Driver’s license number
Vehicle Details:
- Make, model, and year
- Vehicle identification number (VIN)
- Current mileage
- Ownership status (owned, leased, or financed)
- The primary use of the vehicle (personal, business, rideshare)
Driving History:
- Number of years you’ve been licensed
- Any past traffic violations, accidents, or claims
- Whether you’ve completed a defensive driving course
Coverage Preferences:
- Type of coverage (liability, collision, comprehensive)
- Deductible amount
- Additional options (roadside assistance, rental car coverage)
Current Insurance (If Applicable):
- Name of your current insurer
- Length of time insured
- Coverage limits on your existing policy
How To Get Car Insurance Quotes From Esurance
Although Esurance stopped writing new policies in March 2023, you may still be able to obtain quotes through Allstate, its parent company. Below is how you can check for a car insurance quote:
Visit the Allstate Website:
- Since Esurance no longer provides new policies, you can visit Allstate’s official website to get a quote.
Enter Your Personal Information:
- Provide details such as your name, date of birth, address, and driver’s license number.
Add Vehicle Details:
- Enter your car’s make, model, year, VIN, and primary usage (personal, business).
Provide Driving History:
- Disclose any past accidents, claims, or violations.
- A clean record may help you qualify for lower rates.
Select Coverage Options:
- Choose the type of coverage you need, including liability, comprehensive, collision, and add-ons like roadside assistance.
Review and Compare Your Quote:
- Once you have entered all the details, Allstate will generate a quote.
- Compare coverage options and adjust as needed.
Finalize Your Policy:
- If you are satisfied with the quote, you can proceed with purchasing the policy online or by speaking with an Allstate agent.
Getting a car insurance quote from Esurance was once a quick and convenient way to find affordable coverage. However, since Esurance stopped writing new policies, customers now need to explore alternatives like Allstate, its parent company, or other top insurers. By providing accurate personal details, vehicle information, and coverage preferences, you can compare quotes and secure the best policy for your needs. Visit the Official Website Of Esurance For More Details.