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FAQ: Traveling With Auto Insurance Coverage
What should I do about my auto insurance coverage if I’m planning an extended leave from home?
Whether you’re going on a long vacation, starting college, or shipping off to defend your country— if you’re planning an extended leave from home— it’s important to take your auto insurance coverage into consideration. If you plan on keeping your car while you’re gone, you should maintain your auto insurance coverage in order to avoid higher rates when you return.
Although you may be gone for a while, it’s wise not to cancel your auto insurance policy. Many auto insurance companies look at your auto insurance history to help them determine the kind of driver you are and the risk involved in insuring you. Generally, auto insurance companies consider drivers with gaps in their auto insurance coverage as more risky to insure than drivers who have maintained their coverage, and charge them higher rates as a result.
One way to lower your insurance rates while you’re gone is to put your car in storage and decrease the amount of auto insurance coverage you carry. When you get back, you can increase your coverage to more appropriate levels.
If you’re starting college, keep in mind that in many states we offer a good student discount if you're under 25 years of age, maintain a 3.0 ("B") grade point average or better, and are enrolled full-time in high school, community college, or university. And for our troops, Esurance says thanks by making it easier to cancel and reinstate your auto insurance coverage without penalty.
Auto insurance coverage should be the least of your worries before you take off on an extended leave. When you have convenient online auto insurance coverage from Esurance, it will be. No matter where you may be headed on your journey, we at Esurance know you’ll make us proud!
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