After you buy your car insurance policy from Esurance, we may ask you to verify your insurance history by providing proof
of insurance (POI). We'll explain why we ask for POI and why it's important.
about proof of insurance
POI verifies that you had prior car insurance coverage with another company for a specific amount of time before buying
your current policy. A lapse (or several lapses) in car insurance coverage can lead to higher premiums, so the longer
you've been consecutively insured, the less you can expect to pay for your car insurance policy, in general.
When you get your Esurance quote, we ask you how long you've been continuously insured. And when you buy the policy, we
use your answer to help calculate your final rate.
We'll try to verify your POI with your prior insurer ourselves, but that's not always successful. When it's not, you may
be asked to submit POI soon after you buy. If you don't submit it within a given time frame (and don't worry, we'll follow
up in case you forget), your rate may be adjusted based on the missing information. Your rate can go up because of a missing
POI if you indicated you had prior insurance coverage when getting your quote or if the declared limits were inaccurate.
The good news is that you can still provide the POI anytime before your policy renews to bring your rate back to its original
Who needs proof of prior insurance?
Insurance companies aren't the only ones who want to see your proof of insurance. After you cancel a policy or leave an
insurance company, that company may need to alert the state's Department of Motor Vehicles (DMV). This is a precaution
that states take to track uninsured drivers and help keep them off the roads. If a state is notified that you're no longer
insured, your registration could be suspended until you provide proof of insurance.
Your new insurance carrier might let the state know that you're insured again, but if they don't, you may need to file
POI with your state's DMV.
Depending on your state's laws, your prior insurance company might also ask for POI from your new company, since they're
the ones who have to report to the state that you've dropped them as your carrier.
how to prove your prior insurance history
If we're unable to confirm your POI, we'll let you know what we need. It might mean a conference call with your previous
insurer or faxing some documentation. If we do ask for your POI, try to submit it as soon as possible.
Missing the deadline
If we don't receive your POI within the required time frame, there's a chance your rate could go up. Don't worry —
we'll be calling and emailing before this happens.
Depending on your state's insurance laws, your rate could come back down once you do submit your POI, as long as the information
you've provided is accurate.
proof of insurance request from esurance
Obtaining your proof of insurance from Esurance is as easy as tying your shoes. Just give us a call at
1-800-ESURANCE (1-800-378-7262) and explain that you need us to submit your POI.
We'll send the info to your state's DMV or to your old or new insurance company, pronto. If there are any associated fees,
we'll explain them on the phone, where we're available at these times.
as always, we’re here to help
POI, like car insurance in general, can be confusing. If you have any questions about proof of insurance or why we ask
you to submit it, give us a call at
State-mandated proof of insurance forms
Find out about SR-22 and FR-44 forms here.
Gaps in coverage can affect your rate
Find out why a gap in coverage can lead to higher insurance premiums down the road.
Find out more about our insurance products