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FAQ: Before You Get a Quote
What constitutes a gap in auto insurance coverage?
Auto insurance is nothing to slack on. Gaps are factored into online auto insurance quotes and can cause an unwelcome rate increase. Believe it or not, even a 1-day lapse in insurance coverage can cause your rates to go up.
A gap in auto insurance coverage is any length of time you've had an interruption in your auto insurance coverage. Here are a few examples:
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Janie is 28 years old. She has driven since she was 16 and has been covered by auto insurance ever since. Though she's insured different cars with different auto insurance companies over the years, Janie has been continuously insured for 12 years.
Jessica was insured for 3 years and then lived in Europe for a year. For 1 year, she didn't drive and didn't have auto insurance. Jessica bought and insured a new car 2 years ago. She’s been continuously insured for only those 2 years, since there was a 1-year gap in her auto insurance.
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Changing insurance carriers or insuring different cars doesn’t constitute a gap in coverage, unless you let your auto insurance lapse at some point. Being listed on your parents' auto insurance policy also counts toward continuous coverage.
If your current auto insurance is about to expire or you haven’t been insured for a while, don’t delay! At Esurance, you can get online auto insurance quotes in minutes and compare our rates with the rates of other companies.
If you save with Esurance's auto insurance rates, switching is simple! Just buy your Esurance policy right after you get your quote. You can make your policy effective right away by choosing today's date as your coverage start-date.
It’s wise to hold onto your other policy until your Esurance policy has been processed. When you finish buying your Esurance policy online, we’ll send you the information you need to cancel your current policy right away. You can cancel your policy with your current carrier once your Esurance policy is active.
Be sure to avoid having gaps in your auto insurance coverage, even if it’s only for a day. Insurance companies view people with insurance lapses as risky, and will often charge them higher rates than someone with consistent coverage and a good driving record. For more on this topic, read
Skimp Now & Pay More for Auto Insurance Later.
At Esurance, we know that auto insurance isn’t nearly as exciting to you as it is to us. That’s why we make getting online auto insurance quotes and buying policies as easy and fast as we can. Get a free online auto insurance quote today and see how much you can save!
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