Can Keeping Your New Years Resolutions Help You Save on Insurance?

As January draws to a close, chances are you’re still going strong on the new years resolutions you made. You know the ones — lose weight, quit smoking, do good, etc.

In this crazy-busy world, however, finding the time and energy to stick with your goals past February can be challenging. But did you know that sticking with them could not only improve your quality of life, it could also help you save on insurance? Here’s how.

Losing weight slims health insurance rates

In addition to fitting into those old jeans again, weight loss could help you lower your health insurance rates. Because excess weight contributes to a variety of health risks (which in turn make you riskier to insure), shrinking your body mass index (BMI) could also shrink your health insurance premiums.

In fact, a study by our health insurance partner, eHealthInsurance, shows that those who are overweight paid nearly 13 percent more on average than those with normal BMIs, while those with BMIs of 30 or greater averaged payments that were 22.6 percent higher (note: the “normal” range for BMI is 18.5–24.9).

So if your new years resolution was to lose weight this year, hang in there! It’ll be more than worth it in the end.

Quitting smoking lowers life insurance premiums

As the saying goes, old habits die hard. But breaking some old habits, like smoking, can lead to a healthier, longer life as well as lower life insurance rates. In general, smokers pay more than nonsmokers for life insurance, so if you quit this year, you could lower your life insurance premiums in the years to come (and wind up with more years to come in the process).

No ifs, ands, or butts (pun intended), quitting smoking is one of the best things you could do for yourself in 2012.

Greening your commute puts more green in your pocket

Whether you go on foot, by bike, or via public transit, taking your car off the road even just one day a week could reduce your greenhouse gas emissions by as much as 800 pounds this year. And because the less you drive, the less likely you are to get into an accident, you could earn a better rate on your car insurance too.

If your goal is to do some good this year, why not try a different way of getting to work once a week? Who knows, you might even discover a more relaxing commute.

Whatever your resolutions for 2012, good luck and stay strong. (And just think of what you could do with all that extra money in your pocket.)

Related links

The truth about life insurance myths
Get the facts behind common life insurance misconceptions.

Save money and avoid the gym
Find out how you can save $387.03 and skip the gym this year.

4 tips for a greener commute
If you want a greener commute but aren’t sure where to begin, these tips can help.

What’s the BMI?
Get the facts about the body mass index: what it is, how it’s calculated, and what it could mean for you.

How BMI and smoking status affect health insurance premiums (PDF)
Read eHealthInsurance’s study on the relationship between higher health insurance rates and weight.

Esurance CMO Discusses Insurance for the Modern World

The new Esurance ad campaign. Since we launched it in December, it’s been the source of comments and questions galore …

“Who’s the voice in the new commercials?” “What’s the song in the new commercials?” “Is that the ultra-famous talking dog?” We’ve done our best to answer all your questions right here on our blog, but today, our CMO takes things a step further. In the video above, he discusses the new campaign and provides insight into what exactly it is that makes Esurance insurance for the modern world.

Here’s the transcript (for all you readers)

Hi, I’m John Swigart, Chief Marketing Officer for Esurance. I wanted to take a moment to discuss our new “Insurance for the Modern World™” advertising campaign.

Insurance for the modern world

“Insurance for the Modern World” is the first campaign for Esurance since we were acquired by Allstate last year. With this new campaign, we want to show that Esurance is a smarter choice for consumers who are comfortable shopping for and buying car insurance on their own. Esurance was born online, so we’re a company that is actually built to save people money. We’ll feature the tools we offer to help consumers shop for and manage their insurance more efficiently, such as real-time comparison quotes, our mobile apps, and our RepairView™ experience.


Now, I’d like to talk about why we decided to direct people to our Facebook page. Esurance is virtually the only insurance company that allows open and public dialogue on our Facebook page. We use it to address real customer service issues that people may be having and it helps us become a better company. Just in the last week, we helped several Esurance customers that had come to our page find additional discounts on their policies that’ve lowered their rates.

We do get negative comments along with the positive, but we embrace that. As long as people are respectful and contributing to the dialogue, we value all the conversation. We are paying attention when you post on our page. I myself read the page every day.


How can it be that some people seem to save so much money with Esurance, but then others think we are very expensive? Well, there are 2 truths in auto insurance and both are important to understand: first, almost no one pays more when they switch to a new company and second, no single company has the lowest price for every consumer. We recognize these things at Esurance, which is why we focus on making our quoting process fast and easy, and we are the only major insurance company to offer real-time comparison quotes with just one click of the mouse.


“Insurance for the Modern World” is about embracing the world we live in today. Transparency is a big part of that world, and we think consumers want that and should demand it from the companies they do business with. Open dialogue on Facebook and real-time comparison quotes are just 2 of the ways that Esurance embraces transparency.

We’re going to continue this dialogue with you moving forward in a series of videos and blog posts that address specific customer questions. We hope you’ll check us out to learn more the next time you’re in the market for car insurance. In the meantime, we invite you to post your thoughts on our page.

Stop by our Facebook Wall or visit us on Twitter.

SOPA in the News: Our Top 5 Stories

Whether you’re a tech tycoon or an old-school operator, chances are (unless you’ve been hiding under your bed) you’ve heard at least something about SOPA (Stop Online Piracy Act) and PIPA (Protect IP Act). And if you’ve cruised the web at all, you’ve probably heard the chatter surrounding the SOPA blackout taking place on numerous websites today.

As a company that was born online and a daily commuter on the information superhighway, we at Esurance have been keeping close tabs on the story as it evolves. In case you’ve missed any of the action, here’s a little background to get you up to speed.

Check out some of the most recent SOPA news below.

What is SOPA?

The Wall Street Journal takes a crack (albeit a well-educated and thoughtful crack) at explaining the online piracy bill. Read the story about the online piracy bill.

SOPA and PIPA explained

ABC’s Ned Potter looks at both sides of the argument and explains the bill and its objections. Read the explanation about SOPA and PIPA.

Beyond SOPA

This Forbes report takes an in-depth look at SOPA and argues that it will do very little to solve the problem it’s attempting to fix. Read the argument against SOPA.

The SOPA debate

Check out this debate between Richard Cotton, NBC Universal’s chief counsel, and Chris Hayes from MSNBC’s “Up” (who is adamantly opposed). See the debate.

New York Times argues against SOPA

Find out what the NYT has to say about the online piracy act and why they oppose the bill. Read why the NYT opposes SOPA.

The SOPA Bill

Take a look at the actual bill itself! (PDF)

We hope this was helpful for you in gaining a better understanding of SOPA and the arguments surrounding it. Where do you stand on the matter? Weigh in on our Facebook page.

The Esurance Commercial Song

The new Esurance commercials have been out for almost a month now, and if you’ve watched them as many times as we have (doubtful, but maybe) you’ve likely had the Esurance commercial song stuck in your head once or twice.

Not too surprising, considering the song (or to be more precise, “tune,” since there are no lyrics), is a Grammy-winning masterpiece. It’s guitar legend Chet Atkins’s “Jam Man,” and if you’ve got to have something stuck in your head, it sure beats the Gilligan’s Island theme song.

About “Jam Man”

The track comes from Chet Atkins’s 1996 album Almost Alone, a collection of mostly solo instrumental pieces Atkins recorded at the age of 71 (and was far from his last album!). The song itself grabbed the ’97 Grammy for Best Country & Western Instrumental Performance.

About Chet Atkins

In a legend-filled genre that boasts names like Johnny Cash, Roy Orbison, Hank Williams (Sr. and Jr.), and Dolly Parton, many aficionados consider Chet Atkins (a.k.a. Mr. Guitar) to be one of the most important and influential performers to ever pick up a guitar.

Born in 1924, Atkins expressed a love of music from an early age, learning the fiddle before moving on to the instrument that would eventually gain him entrance to the Country Music Hall of Fame. Dropping out of high school, he took the first of several jobs performing for a radio station. But many people felt that the sophistication of his guitar playing just wasn’t “country,” which made it hard for him to hold a regular country-and-western gig for long. (In later years, he even recorded a jazz album or two.)

After a few more radio jobs and a short stint with the Grand Ole Opry, Atkins finally signed to RCA Victor, where he eventually became the lead producer of the label’s Nashville office. There, he proved instrumental in developing the so-called “Nashville Sound”, and also continued recording his own groundbreaking guitar work, which employed a unique thumb-and-two-finger playing style of his own invention.

By the time of his death in 2001, he had performed on well over 100 albums in a 51-year recording career.

Related links

Learn more about Chet Atkins at the Country Music Hall of Fame
Check out Atkins’s discography
Check out “Jam Man” by Chet Atkins

In Honor of Dr. Martin Luther King Jr.

On August 28, 1963, Dr. Martin Luther King Jr. delivered his historic “I Have a Dream” speech at the Lincoln Memorial where he advocated for social change. And though it’s been nearly 5 decades since that momentous occasion, his words, his vision, and his spirit live on.

At Esurance, we strive to live up to the tenets of Dr. King’s vision through our own philosophy of social equality. From our support of Pride events across the nation to our diversity and inclusion initiatives that reward and embrace all associates regardless of sexual orientation, gender, creed, or color, we stay committed to equality for all each and every day.

So today, in honor of Dr. Martin Luther King Jr., join us in taking a moment to thank and remember an iconic leader of the civil rights movement who helped make America a better, more inclusive place for all.

Martin Luther King Jr. facts

Born on January 15, 1929, in Atlanta, Georgia, Dr. Martin Luther King Jr. is the only non-president to have a national holiday in his honor. For his tireless efforts to enact social change through non-violence, Dr. King became the youngest person (at 35) to win the Nobel Peace Prize in 1964.

Martin Luther King Jr. quotes

Years after his death, Dr. King’s words continue to inspire, engage, and lead. In honor of his birthday, here are just a few of our favorite Martin Luther King Jr. quotes:

“I believe that unarmed truth and unconditional love will have the final say in reality. Right temporarily defeated is stronger than evil triumphant.”
– MLK accepts the Nobel Peace Prize

“We are caught in an inescapable network of mutuality, tied in a single garment of destiny. Whatever affects one directly, affects all indirectly.”
– Letter from Birmingham Jail

“Without hard work, time itself becomes an ally of the primitive forces of social stagnation. So we must help time and realize that the time is always ripe to do right.”
– Remaining Awake Through a Great Revolution

Related links

“I Have a Dream” speech
We may not have been there to witness the historic event, but we can relive the experience through YouTube.

Martin Luther King Jr. biography
Learn about the life and achievements of Dr. King.

Diversity and inclusion at Esurance
Find out how Esurance celebrates diversity and practices inclusion each and every day.