According to Consumer Reports, “Over the first five years of ownership, the median car costs more than $9,100 a year to own.”

Part of that amount, of course, includes car insurance. While it’s true that peace of mind is priceless, our pockets do have an end. And although there’s no way to eradicate this cost altogether, here are 3 steps you can take that could help you save on car insurance today.

1. Sign up for DriveSense® from Esurance

With DriveSense®, you could get an instant discount (5 or 10 percent, depending on your state) just for signing up!* After that, you could earn a personalized discount each subsequent policy term based on your driving.

We’ll send you a small telematics device that plugs into your car’s diagnostics port. And that little device helps determine how much your discount should be. In other words, safer driving could mean more savings. So it pays to drive safe. Literally.

And don’t worry, we’ll never raise your rates based on your participation in DriveSense®. Just keep in mind that your discount is based on your driving habits, so it could fluctuate from term to term.

DriveSense® is available in 22 states nationwide for all non-hybrid and non-electric cars from 1996 and later. If your state isn’t yet eligible for DriveSense®, keep checking back! We’re adding new states all the time.

DriveSense® perks

Talk about reaping some instant rewards. By signing up for DriveSense® today, you could be well on your way to saving on your car insurance. Plus, gaining knowledge about personal driving habits will empower you to be an even safer driver. Here are some other benefits:

  • Track risky behaviors like speeding, sudden acceleration, and hard braking.
  • See how your driving compares with other drivers in the program.
  • Set up custom notifications that alert you about particular driving habits so you know when you’ve, um, “hurried.”

How to sign up for DriveSense®

If you’re already an Esurance policyholder, call us at 1-800-ESURANCE (1-800-378-7262) to sign up.

And if you aren’t a policyholder yet, you can sign up for DriveSense® when you get your quote (but you’ll have to buy a policy to actually become enrolled in the program).

2. Find out which discounts are available to you

Besides rewards for safe driving, Esurance offers discounts for all kinds of proactive behaviors.

Good Student discount

It pays to be an overachiever. Other than making your teachers, parents, and yourself proud, you’ll be making your wallet happy too. Esurance offers discounts for full-time students under 25 years old who are enrolled in a high school, college, or university and maintain at least a 3.0 GPA or a “B” average. You could potentially save up to 10 percent on liability, collision, and medical payments coverage, depending on your state.

Smart savings for the win!

See if this discount is available in your state.

Safety Device discount

Sure, bells and whistles are fun. And yes, that sound system you splurged on makes you feel like you’re standing center stage. But if you’re looking for a guilt-free and potentially money-saving upgrade, safety features are the way to go.

Plus, Esurance (and your body) values your efforts to stay safe while driving. In fact, those who insure a car or truck that has manufacturer-installed airbags or automatic seat belts can save between 2 and 33 percent on medical payments coverage and/or personal injury protection, depending on your state and the quality and number of safety devices.

See if this discount is available in your state.

Anti-Theft discount

According to the 2012 FBI Crime Clock, a car is stolen every 43.7 seconds in the United States. That’s over 1,900 cars stolen per day … or about 700,000 each year.

Thank goodness for car alarms, am I right?

Esurance is grateful for car alarms too. In fact, those who insure a car or truck with approved theft deterrents are eligible for Esurance discounts. Owning a car with OnStar™ or other approved theft deterrents could save you 5 to 25 percent off your comprehensive coverage, depending on the state you live in and which devices you’ve had installed in your car.

Check out a list of other Esurance car insurance discounts.

3. Get a rate review

Again, it’s all about maintaining that balance. No one wants to overpay on their car insurance, but not having enough coverage would be just as unfortunate. Luckily, there are some specific circumstances that you can look out for.

  • You car’s age can affect your insurance rates. Since older cars usually depreciate over time, you could be insuring your car for more than it’s worth. If you aren’t sure what kind of insurance your car needs, check out our online Coverage Counselor®.
  • Have you made a recent life change by moving to a different state or getting hitched? These kinds of changes could affect your car insurance rates and sometimes even lower them.
  • And, of course, it’s never a bad idea to ask for a rate review. Call us, message us on Facebook, or Tweet @esurancecares to get in touch.

And if you’re not an Esurance policyholder, get a quote today and see how much you could save.

*Not available in all states. See site for details.

DIY hacks | Insurance 101


about Rachael

After studying Literature and Writing in San Diego, Rachael said farewell to her sunny hometown and left for San Francisco to revel in the fog. When she’s not writing Tweets and blogs and all manner of copy for Esurance, Rachael spends her free time hiking, enjoying the sparse sunshine at Ocean Beach, and seeking out the best reading spots in the city.