Buying Your Auto Insurance
Policy
Why should I buy my auto insurance policy online from
Esurance?
What do I need to buy my auto insurance policy?
Can I buy my auto insurance from Esurance even though
I currently have an auto insurance policy with another auto insurance
company?
How soon can I get auto insurance coverage from Esurance?
When will I get my auto insurance policy documents?
How do I get my auto insurance policy and other insurance
documents?
How long is my auto insurance policy term with Esurance?
Paying for Your Auto Insurance Policy
How can I pay for my auto insurance policy?
Do I need to pay a deposit when I buy my auto insurance
policy?
Are there any fees charged when I buy my auto insurance
policy?
What's a finance notification fee?
What's an installment payment service fee?
What's a paper documentation fee?
What's a policy fee?
What are state-mandated fees?
Why should I buy my auto insurance policy
online from Esurance?
Because we sell our auto insurance policies directly to you using the
Internet, we save money on operating costs. We pass this savings on to
you in the form of great auto insurance rates. (And, because we show comparison
insurance quotes when you get your online auto insurance quote, you can
be sure that you're getting a good auto insurance rate— if not from
us, from another insurance company.)
You also save time by buying your auto insurance policy online. It takes
just minutes to get your online auto insurance quote. You only have to
spend a few more minutes buying your auto insurance policy online. (And
you'll be able to print your proof of insurance card instantly!)
Once you're an Esurance policyholder, it's easy to manage your auto insurance
using your online account. Lost your insurance card? Print a new copy
anytime. Want to add a new auto to your auto insurance policy? Make policy
changes online anytime. Need to file an auto insurance claim? File it
online anytime.
With our round-the-clock online access, 24/7 customer service, and great
auto insurance rates, we really wonder why you wouldn't buy your auto insurance
online from Esurance. If you haven't already, get your free auto insurance
quote today!
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What do I need to buy my auto insurance
policy? After you get your auto insurance quote,
you can buy your auto insurance policy from Esurance online or on the
phone.
No matter how you buy your auto insurance policy from Esurance, you should
have the following on hand before you start your auto insurance policy
purchase:
- VINs for each of the autos you're insuring
- Loan/lease info, like your financial institution's address, if you're
financing/leasing your auto
- Drivers license numbers for each of the drivers you're insuring. (When
you buy your auto insurance policy, you're required to list all of the
licensed drivers residing in your household.)
- The main policyholder's Social Security Number
- Your current auto insurance policy (for easy reference when we ask
about your current auto insurance)
- A credit/debit card featuring the MasterCard, Visa, Discover, or American Express logo
Because we verify the information you enter, we can sometimes show you
the data we're accessing to help make entering your VINs and drivers license
numbers easier. If you have trouble entering your VIN or drivers license
number when you buy your auto insurance policy online, just click on the
tool icon.
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Can I buy my auto insurance from Esurance even though
I currently have an auto insurance policy with another auto insurance company?
Yes, you can buy your auto insurance policy from Esurance even if your
current auto insurance policy hasn't expired. With our Hassle-Free Switching
feature, it's easy to switch to Esurance and save on your auto insurance
today!
All you have to do is get an auto insurance quote from us and complete your auto insurance policy purchase. You'll be
able to access the form you need to cancel your auto insurance policy with the other auto insurance company. Many auto insurance
companies will also give you a partial refund for the unused portion of your pre-paid auto insurance premium.
Don't know if you could save by switching your auto insurance to Esurance? See if you could be paying less for your
auto insurance coverage when you get your free auto insurance quote.
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How soon can I get auto insurance coverage from
Esurance?
With Esurance, your auto insurance coverage can
start immediately.
When you're completing your auto insurance policy purchase, all you have
to do is make sure you've selected today's date as your auto insurance
policy's effective date. You'll be able to print your temporary proof
of insurance card instantly when you buy your auto insurance policy online.
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When will I get my auto insurance policy documents?
24-48 hours after you've finished buying your auto
insurance policy, you'll get your quick auto insurance policy set via
email, along with a few extra copies of your insurance cards.
The email will also let you know that your online account's active. Your
full set of auto insurance policy documents is always available in your
online account.
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How do I get my auto insurance policy and other
insurance documents?
Immediately after you finish buying
your auto insurance policy, you'll be able to print your temporary
proof of insurance card. Within 24-48 hours, your auto insurance policy
and other insurance documents will be sent to you via email and stored
in your online account.
To view and print a lot of your auto insurance policy documents, you'll
need Adobe Acrobat Reader. Adobe Acrobat software is free, and helps you
download all kinds of documents from the Internet. If you don't have this
software, you can download it now by going to www.adobe.com
and following the prompts, or you can wait until you buy your policy and
download it then.
You can always call a customer service representative if you have trouble
printing your auto insurance policy or other insurance documents.
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How long is my auto insurance policy term with
Esurance?
A policy term for your Esurance auto insurance policy is 6 months.
Before your policy term is over, we'll let you know that it's time to
renew your auto insurance policy.
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How can I pay for my auto insurance policy?
So that it's easy and convenient to buy your auto insurance policy, you
can use credit and debit cards featuring the MasterCard, Visa, Discover, or American Express
logos.
Some preferred customers also have the option of paying their auto insurance
premium in monthly installments.
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Do I need to pay a deposit when I buy my auto insurance
policy?
When you buy your auto insurance policy, if you pay in
full, no deposit is required.
If you're a preferred customer who chooses to pay your auto insurance
premium in installments, your first payment to Esurance must be equal
to at least 2 months of coverage before your auto insurance policy is
considered active.
Until we have received either this payment or payment in full, you are
not covered by your Esurance auto insurance policy.
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Are there any fees charged when I buy my auto
insurance policy?
Because we don't want to raise our auto insurance rates for all of our
customers, we charge fees to cover the cost of certain transactions. Some
states also legally require us to collect certain fees which are then
given back to your state.
Certain fees aren't applicable in every state; fee amounts also differ
from state to state. Applicable fees and their exact amounts are shown
when you buy and renew your auto insurance policy.
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What's a finance notification fee?
If your auto's leased or financed, we notify your finance or leasing company
right after you buy your auto insurance policy. This time-saving service
prevents the finance or leasing company from purchasing additional auto
insurance coverage for you, which can be very costly.
To cover the costs of this notification service, we may charge a nominal
fee for each financed/leased auto listed on your auto insurance policy.
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What's an installment payment service fee?
If you pay your auto insurance premium in monthly installments,
we may charge a nominal service fee each month to cover our processing
expenses.
To avoid paying this monthly service fee, you can pay in full when you
buy your auto insurance policy.
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What's a paper documentation fee?
To help keep your premium lower, we send many of your auto insurance
documents via email and store all of your auto insurance documents electronically.
If you choose to receive paper copies of your auto insurance documents
via standard mail, we may charge you a paper document fee to cover the
expense of printing and sending those documents to you. (In short, by
receiving your auto insurance documents electronically, you save a few
dollars and a few trees!)
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What's a policy fee?
In some
states, we charge a policy fee to cover certain expenses related to issuing
and renewing your auto insurance policy.
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What are state-mandated fees?
Some states require us to collect a fee for each vehicle you insure.
We collect this fee from you and give it to your state as required by
law.
Such fees are typically used by states to create reserves of funds for
catastrophic claims settlement, or for damages resulting from accidents
involving drivers who lack proper auto insurance coverage.
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