the ultimate guide to shopping for auto insurance

Car insurance may be one of the least glamorous items to shop for (right between tube socks and Brussels sprouts), but it's still important. Streamline your shopping to get maximum protection — for minimum boredom.

shop for auto insurance online — the esurance advantage

At Esurance, shopping for auto insurance is as easy as it gets. No more wasting time, phone pressed to your ear, as you're placed on hold (again).

We put the shopping experience online so you can get the coverage you need at your own pace. Want to shop a little and come back later? No problem. Want to get it all done today? That's fine, too. And if you'd like to switch from handling things online to over the phone, you can speak with a real live human and get all the help you need. Whatever your preference, we enable you to shop for auto insurance however you like, hassle-free.

5 questions to ask when shopping for auto insurance

You know you're supposed to get quotes from as many insurers as possible. But when do you know you've found one that could work for you? To help you find exactly what you need, here are 5 key questions to ask as you shop for car insurance.

1. Is this insurer reliable?
Knowing you're in good hands is the top priority when shopping for auto insurance. At Esurance, we're proud to be part of the Allstate family, one of the most trusted names in the business and a company with over 60 years of experience bringing reliable coverage to Canadians. You can rest easy knowing we have the financial strength and longevity to provide the impeccable claims service you deserve.

2. What coverage do I need?
First step is finding out the minimum coverage requirements in your area. Keep in mind, however, that the bare minimum might not be enough to adequately protect you, your car, or your savings. For example, when it comes to third-party liability coverage (required in all provinces), it may make sense to choose a $1 or $2 million limit over the minimum $200,000 option that exists in many areas (note the minimum in Québec is $50,000 and in Nova Scotia it's $500,000). The small extra you pay in premium now can mean millions more in coverage when you really need it.

After establishing basic coverage, ask yourself what other protection you need. With supplemental coverage, same as with third-party liability, it's best to have as much as you can comfortably afford. Options such as comprehensive and collision coverage make sense for most drivers and give you peace of mind against common risks such as theft, vandalism, and at-fault car accidents. Meanwhile, a loss-of-use endorsement can help reimburse the cost of a temporary rental car so your daily life doesn't come to a screeching halt after an accident.

Of course, those are just a few of the options and scenarios to consider. For help addressing your needs, browse our comprehensive list of car insurance coverages or give our friendly and knowledgeable customer service reps a call at 1-888-ESURANCE (1-888-378-7262), where they're available at these times.

3. How much can I afford to spend?
Look for the sweet spot between reliable and affordable. Remember, cheaper isn't always better.

Of course finding competitive rates is probably why you shop around in the first place. But if one insurer is offering far lower rates than anyone else, that could be a red flag. And cheapo insurance now could actually cost you way more down the road if you don't have quality coverage to handle accidents.

4. What discounts can I get?
Instead of dirt-cheap premiums, look for discounts and other savings opportunities. They can be a great way to save on your rates without sacrificing reliable coverage.

At Esurance, providing easy-to-access discounts is just part of who we are. Check out our available auto insurance discounts here and see how you could start saving.

5. Does this policy feel right to me?
Like buying a new pair of shoes or piece of furniture, deciding on car insurance comes down to whether it just … fits. Does a company have attentive customer service? Do you have convenient access to your policy? Does your coverage feel right for your needs?

No matter how good things look on paper, you don't have to settle until you're certain you've found the right match.

get a free quote from esurance

If you're ready to begin shopping for auto insurance, there's no better place to start than right here. Get a free quote to see how Esurance can help you secure affordable and reliable protection for your vehicle, family, and savings.