What car insurance discounts does Esurance offer?

Esurance offers many discounts for your car insurance, from multi-policy and good driver discounts to rewards for starting a quote and switching companies.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 2, 2020

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Here's what you need to know...

  • Esurance offers many standard discounts to lower your car insurance premiums
  • Esurance offers several unique discounts for car insurance
  • Comparing Esurance rates with other insurers will help you get the best value

Although Esurance had humble beginnings, it is now one of the most easily identifiable car insurance providers in the U.S. In 2011, Allstate purchased Esurance for $1 billion. However, the online insurance provider maintains its own, separate identity

Esurance offers many different car insurance discounts to its customers. These discounts vary depending on the individual’s needs, and can be combined with other discounts for even greater savings.

Esurance heavily markets its discounts on television, encouraging individual drivers to compare its rate with those of its competitors. They claim that the discounts they offer can make the rates even lower.

It is important to remember that the majority of discounts offered by car insurance companies such as Esurance depend on the state in which you live. Be sure to double-check to ensure that discounts apply to you.

Are you in the market for car insurance? Use the simple tool above and enter your ZIP code to find great car insurance rates in your area.

How can I lower my Esurance car insurance?

Esurance has many different discount products available, and this review will go into detail about each one of them.

  • Claim-free – This is a reward for drivers who have not had an accident or even filed a claim in the last 60 months. Drivers who apply and qualify for this discount can receive an additional discount of 20 percent or more.
  • Multi-policy – Esurance is able to give even more discounts if a customer has another type of insurance in place with Esurance, such as homeowners or renters insurance. This is known as the homeowners discount; however, it is not automatic and customers must request and apply for this discount.
  • Good driver – This is Esurance’s way of congratulating its safest drivers with even more savings. This is only for drivers who have not any accidents or even any moving violations over the last 60 months.
  • No-fault accident – Although it may seem difficult to obtain a good driver discount, the subsequent discount is worth the time and effort put in to earn the award. In addition, a no-fault accident will not automatically disqualify a driver from this discount.
  • Switch and Save – This discount is exactly how it sounds, rewarding drivers who switch from another insurance company to Esurance while maintaining a certain level of coverage.
  • Fast 5® – This 5 percent discount on your premium can be automatically applied for simply starting an Esurance quote online.
  • Paid-in-full – This offers drivers an immediate 10 percent savings when they pay their entire car insurance premium in full and upfront.
  • Features – Depending on your car’s features and accessories, there are discounts available on certain safety features. This is an automatic discount and is applied for certain installed features such as daytime running lights, active anti-theft alarms, vehicle identification number etching, and more.

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Esurance Discount Reviews

Esurance does receive some negative reviews for the additional fees that are charged for payment.

There is an $8 processing fee per payment with a monthly Esurance payment plan, which can add nearly $100 per year to a premium. This should be considered when comparing car insurance rates.

It is also important to review the state-required minimum for coverage, as this can cause a fluctuation in price when comparing companies.

Some reviews complained about Esurance raising rates after an initial quote. However, it turned out that this was simply because the coverage amounts were not enough.

Other reviews claim that Esurance offers excellent customer service and was able to reduce their insurance cost by as much as 50 percent.

How does Esurance compare to other car insurance companies?

Although Esurance has only recently become a household name, this company has actually been in business since the late 1990s. Esurance also sells homeowners insurance, motorcycle coverage, and a handful of other insurance products.

Not all drivers will be able to get coverage from Esurance because it is not licensed to sell coverage in all states.

Due to Esurance’s recent partnership with Allstate and its revamped marketing campaigns, it is likely that it will be expanding its presence even further.

Some policyholders have complained of having their rates increased unexpectedly and without any real explanation during renewals, but few have stated that they had any issues having their claims processed or approved.

Like other insurance companies, Esurance has positive and negative attributes. No major legal action has been taken against Esurance for deceptive practices or insurance fraud.

What discounts does Esurance offer?

It is always best to get a quote for auto insurance from several different companies. In fact, there might be some discounts available that you were not aware that you qualified for, such as the Fast 5 discount for simply applying online for Esurance.

Some car insurance companies offer different rates based on a variety of factors, so to be sure you are getting a good rate, get quotes from several. Just be sure to put in the same coverage amounts and liabilities to ensure you are comparing equivalent coverages.

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When does Esurance increase your car insurance rates?

Esurance has the option of increasing the car insurance rates of any consumer right before renewal time. Tickets, claims, credit changes, and even moving to a new area can have an impact on your car insurance premiums with any insurance provider.

Esurance also increases premiums when a policyholder adds new drivers and vehicles onto his or her car insurance policy.

Although you might not be able to control if or when Esurance increases premiums, you have the option of going to a new company.

You will be sent information on changes in your car insurance rates several weeks before it is time to renew your policy.

If your auto insurance agent is not able to locate enough new discounts to help you reduce your premiums, you can purchase a new policy before your coverage with Esurance lapses.

Need some help finding car insurance quotes in your area? Enter your ZIP code below to get started today.

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