Can my auto insurance rates change from term to term?
Changes in your auto insurance rates aren't always a bad thing. In fact, sometimes you'll find that your auto insurance rates will decrease when you renew your auto insurance policy. That's because at Esurance we never want to charge you more than we have to for our convenient, reliable auto insurance.
Changes to your auto insurance rates can be due to changes you've made to your policy or changes that may be beyond your control. Perhaps you now qualify for a discount that you didn't before. Or maybe there's been a rate decrease in your state. Either way, you'll be happy to see the change.
Of course, not all changes are quite so nice. If you have a new violation or accident on your driving record you may find that your auto insurance premium will be higher when you renew. Sometimes rate increases are out of our control, like when a state passes a new law regarding auto insurance premiums.
If your premium does increase, you can still find great savings at Esurance. If you're concerned about your auto insurance rates, there are certain strategies for lowering your premium without compromising your coverage. For instance, increasing your deductible will lower your premium. You only pay the deductible if you need to make a claim, so the savings on your premium could more than cover the additional deductible.
You can also visit our interactive Coverage Counselor® to help you find the coverage levels that fit your needs.
This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.