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renewing your car insurance policy

Most Esurance policies renew automatically — it's one more way we make car insurance easy. We'll explain how the renewal process works from the renewal offer to the start of your new policy term.

How policy renewals work

The majority of customers have the option to renew their Esurance policies every 6 months.

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About 45 to 65 days before your policy term is up, we'll send your renewal offer by email. The offer will detail your premium, payment plan, discounts, and coverage levels. Once you receive the renewal offer, we'll ask you to log into your policy to verify that your info is current and correct, and you're good to go for another term. Easy as that.

Renewal payment

To make sure that everything is processed on time, we'll withdraw payment using your current payment method (credit card, checking, savings, or debit) before the new term begins. Of course, we'll always let you know before we do.

If you want to switch your payment method, no problem. Just log into your policy to make the change or give us a call at 1-800-ESURANCE (1-800-378-7262). The updates will go into effect with your next payment.

Where to find your renewal info

Once your renewal offer is ready, you'll have it in your inbox and you can find it with the rest of your policy documents. Just log into your policy, click on the "ID cards, policy docs" tab, and voilà.

If you don't want to renew

If you no longer want to continue your policy with us, we'll be sorry to see you go. To cancel your policy penalty-free during your renewal period, call us at 1-800-ESURANCE (1-800-378-7262).

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Keep in mind, though, that you should have other coverage in place before canceling your policy to avoid a lapse in coverage (and a potential rate increase down the road).

Why your rate could change at renewal

When you get your renewal offer, you may notice that your rate has changed. This can happen for a number of reasons.

Life changes

Because your car insurance rate is primarily based on factors specific to you, certain changes in your life could affect your rate. For instance, changes to your coverage levels, deductibles, or annual mileage could either increase or decrease your premium. And if you've moved, added or removed another driver, or changed the car you drive, you could also see some fluctuation in how much you pay.

Driving record

Insurance companies, like us, set your premium largely based on risk. And your driving record is a good indicator of how risky you are to insure (in other words, how likely you are to cause an accident).

For instance, if you keep your record clean as a whistle, you could earn a Claim-Free discount. (It's our way of rewarding you for safe driving.) Conversely, if you racked up a speeding ticket or 2 between your last policy term and the next, there could be a corresponding increase in your rate.

Accidents

car accident

Contrary to common belief, not all accidents and car insurance claims will increase your rate. An accident could cause your rate to rise, but it depends on a number of factors (like the severity of the incident, your driving history, and whether you were at fault).

Esurance is here to help

Though renewing your policy with Esurance is a snap, we're always here if you have questions. Just give us a call at 1-800-ESURANCE (1-800-378-7262) anytime, day or night.

Related link

Why coverage lapses could affect your rate
Gaps in car insurance coverage can have a negative effect on your car insurance rate. Find out why.