Esurance

Auto insurance is a very important investment that all states require its citizens to have in one way or another. As far as who esurance thinks you should have on your account is also just as important. Esurance believes you should insure anyone that shares the same address with you, regardless of if the person or people are a spouse, your children, a domestic partner, or a roommate. On top of that esurance thinks all people should be on your account regardless of if they actually drive one of your insured vehicles or not.

Like many other insurance companies, esurance also offers several different types of discounts to their customers. You can get a discount if you insured more than one vehicle with esurance. If you have a good driving record then you can get esurance’s good driver discount, and this discount is given on an individual basis so if your spouse is in an accident it would affect them but not you. Esurance will also give you a discount if you have extra safety features installed in your vehicle, like air bags, head restraints, and anti-lock brakes (ABS). Another discount you can get with esurance is for having anti-theft features, in case someone would try to steal or vandalize your vehicle. Some anti-theft devices include: On Star, Lojack, and fuel and ignition cut-off switches. If you take accredited driver safety courses you can get a discount with esurance. Esurance also offers the good student discount to students who can keep a grade point average of a 3.0 or “B” average and are under the age of 25. Depending on what your occupation is esurance may be able to offer you a discount. For example having a degree or holding a license in Engineering or Education can get you a discount. Some less common types of discounts that esurance offers are if you pay your insurance in full, if you are a single parent, discounts if your children attend college away from home, discounts for mature drivers, and discounts if you rarely drive your insured vehicle.

Liability coverage with esurance will help you pay for damages in an accident to yourself, other people, and other people’s property. With body injury liability coverage esurance will help pay for any injured people’s medical expenses, and even their lost wages if you are at fault in the accident. Property damage liability coverage with esurance will help you pay for any damages to another person’s property like their vehicle, home, or fence if you were at fault in the accident. Collision coverage with esurance is actually specifically designed to help you pay for damages to your own vehicle in the event of an accident. You will be asked to choose a deductible if you choose to get collision coverage with esurance, and you need to remember that the higher the deductible you choose then the lower your premium will be. Esurance will also ask you to get what is called a collision deductible waiver when you get collision coverage with them. A collision deductible waiver will come into affect if you were to get into an accident with someone who does not have any insurance at all, and they do not feel its fair for you to have to pay for everything yourself. Comprehensive coverage with esurance is for accidents that do not involve damages to your car because of a collision with another vehicle. Some examples that comprehensive coverage would cover are fire, floods, windstorms, vandalism, theft, and hitting an animal. With comprehensive coverage with esurance you will be asked to choose a deductible of some kind. Personal injury protection (PIP) with esurance is to help pay for all types of medical expenses not just basic medical, dental, and funeral expenses. With PIP coverage you will be able to also get any psychiatric treatment that is needed, along with any rehabilitation, lost wages, professional nursing services, prostheses, and other costs that may relate to the accident. Esurance recommends that even if you have comprehensive health insurance you should still get at least the lowest limit of PIP for your protection. Uninsured motorists coverage with esurance is for in case you were to get into an accident with someone who does not have auto insurance at all, and will help to pay for repairs and vehicle replacement along with medical expenses and lost wages. Esurance also offers underinsured motorist coverage which is good if you were to get into an accident with someone who does not carry enough auto insurance and has the same benefits as uninsured motorist coverage. Rental car reimbursement coverage with esurance is for when you have been in an accident and your vehicle is so damaged you have to have it repaired or replaced. Esurance will reimburse you for rental expenses. Emergency road service with esurance is good if you need your vehicle to be towed for some reason. Emergency road service also comes in handy if you experience frequent breakdowns, have an empty gas tank, have a flat tire, or need a battery re-charge.