At Esurance, we offer affordable auto insurance, online convenience, 24/7 service, and reliable coverage because we want to make auto insurance easier for you from quote to claim. We also think you're the best person to decide which coverage is right for you. However, it's hard to make that decision without some help.
That's why we provide interactive auto insurance planning tools like our
Coverage Counselor®, along with tips and information on auto insurance, safe driving, and vehicle safety, which is available in our learning center.
Here are some of the most common questions asked about auto insurance. Knowing the answers can help you make sure you get the protection you need, which is the whole reason you should buy auto insurance anyway. Remember: it's not affordable auto insurance if you're not adequately protected.
How much auto insurance do I need to have?
The amount of coverage you need depends on several factors. When you're shopping around for auto insurance, carefully consider the risks that you, your passengers, and your car may face. You also need to consider the amount of assets you need to protect. If you're ever in an accident, your first thought won't be, "I'm glad I got affordable auto insurance!" You'll only want financial protection that leaves you comfortably covered.
Want to know more about choosing your coverage, limits, and deductibles? Use the Coverage Counselor® planning tool. In just a few minutes, you'll have a personalized report with suggestions for your auto insurance policy.
Aren't my state's minimum requirements enough?
Each state has different auto insurance regulations, and the protection provided by these coverage requirements varies from state to state. For most drivers, however, it's probably better to buy a higher level of coverage than the minimum amounts required by some states.
We make it easy for you to see state-specific coverage information when you get your quote from Esurance. The coverages displayed are those required in your state, along with the optional types of coverage available. Helpful descriptions are linked to each of the coverage names, so you can decide which coverage best meets your needs.
For any mandatory coverage, the lowest limit listed in a drop-down box is your state's minimum requirement. When you get your quote, you can adjust the limits to see how it affects your premium. With Esurance's competitive insurance rates, you'll probably find that a higher level of protection can still translate into affordable auto insurance rates.
Do I need special insurance if a car is leased or financed?
Your loan or leasing agreement provides details on the kinds of coverage you must have. Most lenders and leasing agents require comprehensive and collision coverage, however. Financial institutions also usually require liability limits that are higher than a state's minimum coverage requirements.
If you're shopping for a new car and want to know insurance costs, find out what kinds of coverage your financial institution requires and get your quote online from Esurance. You'll be able to see how much required coverage could cost you, ensuring that when you buy a new car, your budget is based on a reasonable auto insurance rate.
To learn more about getting auto insurance and coverage levels, visit our learning center, use our interactive Coverage Counselor®, and get your free quote today.