Car Insurance a Couch Potato? Make It Work in 2011

A new spin on a popular New Year’s resolution: Getting your car insurance in tip-top shape.

According to the U.S. government, 2 of the top 10 New Year’s resolutions involve getting in shape. In keeping with the general desire to buck up our collective wellbeing, we’re adding a fresh resolution to the mix: put your car insurance policy to work.

Like the rest of your finances, if neglected for too long, car insurance can get a little too comfortable. So with your new year’s mindset in place, what better time than now to break out the treadmill, crank up the incline, pick up the speed, and whip your car insurance into shape?

Where to start

First, log into your policy management page or pull out your docs to review your car insurance coverages. Consider the age and condition of your car or cars, your location, and your current driving habits. Have any of these changed since you first took out the policy? If you feel that any coverages could be raised (for more protection) or lowered (for more savings), make a note. At this stage, it doesn’t hurt to do some Googling to make sure your car insurance coverage levels and limits are adequate.

Re-evaluate your situation

Whether your marital status has changed, you’ve welcomed a little one into the family, or you’ve moved to the suburbs, a major life change can impact your car insurance rates and typically calls for updating your insurance policy. We gathered insights into the relationship between life changes and car insurance, which you can bookmark (no pressure) and browse at your convenience.

Try our Coverage Counselor®

Visit our online Coverage Counselor and enter your basic car insurance info. The Counselor will consider your individual situation, including family size, income, and location, and return a detailed guide of recommended coverages and deductibles. Compare these guidelines to your current policy limits and deductibles.

Compare car insurance rates

As we all know, one of the biggest benefits of the Internet age is the ease of comparison shopping. Now that you’re armed with recommended coverages, shop around. Visit insurance sites — or stick with Esurance, since we provide real comparison rates from numerous car insurance companies — and plug in the details of your customized limits to find the coverage that suits you best.

Call an insurance specialist

If you’re an Esurance customer, call 1-800-ESURANCE (1-800-378-7262) anytime for real coverage counseling. Ask your customer service rep about changes you could make to bring your policy up-to-date. Esurance reps are available 24/7 specifically for this purpose and can easily help you update your car insurance policy. If you’re not an Esurance customer, not to worry. Your car insurance company most likely has similar experts standing by to help. (And you’re always more than welcome to call and chat with one of our reps about all Esurance has to offer.)

If you made “car insurance fitness” your new year’s resolutions, we hope this little guide points you in the right direction. Here’s wishing you and your policy all the best in 2011.

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