You cannot get an Esurance affiliation discount, since Esurance does not offer discounts for members of affiliated companies or organizations, as some other insurance companies do. You can still save on an Esurance car insurance policy with other discounts, however, such as the renters plus discount or DriveSense discount.
If your organization is affiliated with a specific insurer, you may want to consider switching to that insurance company. If not, the best way to find car insurance savings is to compare multiple quotes in order to identify the cheapest policy for your needs.
Esurance offers discounts for bundling car insurance with a renters insurance policy and for safe drivers who use the company’s DriveSense app. Esurance only advertises these two discounts on its website, but customer service representatives say that additional discounts are often available, depending on the state. For instance, policyholders in some states can save if their vehicle has qualifying safety features or if they are affiliated with certain employers or universities. … read full answer
Esurance Discounts List
Safety features discounts
Roadside assistance discount
Education level discount
Mature driver discount
Good student discount
Driver training discount
On-time payment discount
Payment frequency discount
DriveSense is a form of usage-based insurance that rewards safe driving. Esurance policyholders can download the DriveSense mobile app and get a customized discount based on driving habits like mileage, speeding, and braking.
Esurance does not have as many discounts as some larger car insurance companies, but there are still plenty of opportunities for drivers to save. For more information on the company, check out WalletHub’s full Esurance review.
You can lower your Esurance car insurance costs by taking advantage of Esurance discounts, opting for a higher deductible, and reducing your coverage, among other things. Esurance considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from Esurance
Use Esurance’s auto insurance discounts
Esurance offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount equal to 30% of their renters insurance premium if they purchase renters insurance in addition to their auto policy.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from Esurance can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing save driving habits and avoiding moving violations can help you qualify for lower Esurance insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. Esurance even offers a discount to drivers who take an approved defensive driving course.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, Esurance uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Esurance premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Esurance to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for DriveSense
DriveSense, the Esurance telematics program rewards you for good driving with a discounted premium. Specifically, DriveSense tracks miles driven, speed, the time of day that you drive, and braking. By using DriveSense, drivers can save 5% initially on their rate.
Finally, if you’re still struggling to afford your Esurance policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
No, Esurance does not offer a new car discount, unlike three of the 10 largest car insurance companies. But policyholders can still find other ways to lower their Esurance premium, such as by taking advantage of their Renters Plus discount or their DriveSense discount.
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