No, Esurance does not cover formerly salvage-titled vehicles. Because having a previous salvage title greatly diminishes a car’s value, Esurance and many other insurers will not provide coverage, even if the vehicle has been rebuilt, inspected, and issued a rebuilt title.
A car is given a salvage title when an insurance company declares it a total loss, meaning that it is unable to be repaired or the cost of repairs exceeds the vehicle’s value. If the car is later repaired and deemed safe by an inspection, the salvage title will be replaced with a rebuilt title. Some insurance companies are willing to cover rebuilt vehicles, but Esurance is not among them.
You can get insurance on a car that was previously issued a salvage title and rebuilt after being salvaged, though your policy won’t be as well-rounded as a non-salvaged car’s coverage. Even after repairs, insurance companies are still hesitant to cover a car for its full market value if it was given a salvage title. Some companies refuse to insure such vehicles at all.… read full answer
How to get insurance on a car after a salvage title
Get the car repaired and inspected.
Surrender your salvage title to the DMV and have it replaced with a rebuild title.
Get the original repair estimate from when your car was totaled, a certified mechanic’s statement verifying it’s safety, and photos from before and after repairs in order to get insurance quotes.
Shop around for coverage and get quotes from multiple insurers before purchasing a policy. Major insurance companies that cover repaired vehicles include Progressive and The Hartford.
Insurance companies that will insure cars after a salvage title
Finally, it's important to note that the amount of insurance you can get for a salvaged car varies from company to company. Often, insurance companies are willing to provide liability coverage - insurance that covers any damage that you cause with your car. Some companies also offer collision coverage for salvaged cars, though they might not cover the full value of the vehicle.
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