Does Esurance Have Good Discounts?
Esurance offers a range of car insurance discounts, such as multi-policy and multi-vehicle discounts, safe car discounts, and good student discounts.
Written by Andrew Biro
Reviewed by Kathleen Flear
Esurance offers a range of
car insurance
discounts, such as multi-policy and multi-vehicle discounts, safe car discounts, good student discounts, defensive driver discounts, and a DriveSense telematics discount.If you’re looking to save money on your auto insurance, you’ll want to compare quotes from a few insurance companies and verify whether you’re eligible for any of their available discounts. Most drivers will find that they qualify for at least one discount, regardless of the insurance provider they’re looking to do business with.
Figuring out what discounts Esurance offers, however, can be a bit tricky, as they don’t actually list them on their website. To know which ones you qualify for, you’ll need to contact Esurance, but here’s a general overview of Esurance’s car insurance discount options.
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What auto insurance discounts does Esurance offer?
Esurance’s auto insurance discounts can be divided into three main categories: policy discounts based on payment options and customer loyalty, vehicle discounts for cars equipped with certain safety features, and driver discounts for drivers who practice safe driving or who belong to a certain demographic.
If you find that you qualify for multiple discounts, Esurance will allow you to stack many of them, which means the more you qualify for, the lower your premium could be!
Keep in mind, however, that most insurance providers—Esurance included—don’t list all of their available discounts on their websites. If you want a full breakdown of what discounts you may qualify for, you’ll need to contact Esurance at 1-800-378-7262 and talk to an agent.
Esurance policy discounts
A large portion of Esurance’s discounts fall into the category of policy discounts—these generally reward customers who already have existing policies with Esurance, pay a certain way, or sign-up a certain way.
Discount | Description |
|---|---|
Multi-policy discount | Esurance offers a discount to those who bundle their auto insurance with a home or renters insurance policy. |
Multi-vehicle discount | If you insure more than one vehicle with Esurance, you may qualify for their multi-vehicle discount. |
Fast 5 discount | If you get a quote from Esurance and sign up through their website, you could instantly receive a 5% discount. |
Full payment discount | Paying your entire premium upfront rather than on a monthly basis could earn you Esurance’s full payment discount. |
Esurance safe vehicle discounts
Esurance also offers several discounts based on your vehicle’s safety features, be they factory-installed or aftermarket add-ons. The safer your vehicle is, the less risk Esurance takes on while insuring you.
Discount | Description |
|---|---|
Anti-theft discount | If your vehicle has a factory-installed anti-theft system or if you install an aftermarket anti-theft device, you could qualify for Esurance’s anti-theft discount. |
Anti-lock brake discount | Similarly, having an anti-lock brake system (ABS) installed will usually earn you a small discount on your policy. |
Safe car discount | Vehicles with a high IIHS or NHTSA safety rating/vehicles with numerous safety features (e.g. airbags, automatic seatbelts, etc.) may qualify for Esurance policy discounts. |
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Esurance driver discounts
Lastly, Esurance offers a number of driver discounts, most of which have to do with being a safe driver.
Discount | Description |
|---|---|
Good student discount | Esurance offers discounts to full-time students under the age of 25 who maintain good grades. |
Defensive driver discount | While not available in every state, young drivers and drivers over the age of 50 may qualify for a defensive driver discount if they successfully complete a defensive driving course. |
Claim-free discount | If you haven’t filed a claim within the last five years, you may be eligible for a claim-free discount. |
Just by signing up for Esurance’s DriveSense app—which tracks your driving and helps promote safe driving habits—you’ll instantly qualify for a discount. As long as you log at least 50 trips per insurance term, Esurance will continue to customize your discount based on your driving habits. |
Does Esurance have good car insurance discounts?
Esurance may not offer as wide a variety of car insurance discounts as some larger insurance providers, but the discounts they do offer are pretty solid and can certainly help save you money on your auto insurance policy.
Drivers who’ve never had to file a claim before, have multiple safety features installed, and/or have already purchased another insurance policy from Esurance will likely find the company’s discounts to their liking. If you’re looking for something like an affiliation discount, accident-free discount, or more varied young-driver discounts, you’ll need to look elsewhere.
At the end of the day, Esurance only has a handful of core discounts compared to those that other insurance companies offer, so whether or not their discounts are actually “good” really depends on your eligibility. For that reason, it’s always a good idea to review your coverage options, talk to an agent, and compare at least three to five other quotes before deciding to purchase your auto insurance with Esurance.
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FAQs
Does Esurance offer a military discount?
No—Esurance does not offer a military or veterans discount. If you are an active service member or a veteran, your best bet for finding a military discount is by purchasing a policy with USAA, Farmers, Liberty Mutual, or GEICO.
What is Esurance’s senior discount?
Unfortunately, Esurance doesn’t have a discount specifically for seniors. Drivers over the age of 50 may, however, be eligible for a discount if they complete a non-court-ordered defensive driving course.
If you live in one of the 34 states that require insurance companies to provide a discount to seniors who pass a mature-driver safety course, Esurance will of course comply with government regulations.
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