How Your Credit Score Drives Your Auto Insurance Rates

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Find out How Your Credit Score Drives Your Auto Insurance Rates. Vehicle insurance companies can use your credit score as a factor in your car insurance costs.

(ARA) – You know that where you live, what you drive and how you drive can affect how much you pay for auto insurance.

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But did you know that your credit score can also influence how much your insurance company charges you for coverage?

Most vehicle insurers now use your credit score as one of many factors when determining your level of risk, and how much to charge you for insurance. Generally, the higher your credit score the more likely you are to be eligible for an insurer’s best rates. If your credit score is low, you could get auto insurance quotes that are thousands of dollars higher than those given to consumers with high credit scores.

While some consumer advocacy groups object to the practice, insurance companies say research supports the use of credit scores as a predictor of potential risk. The practice is rooted in the idea that people who manage personal finances responsibly are more likely to be responsible in other areas as well – including behind the wheel.

If you plan to buy a car, apply for new insurance or just want to lower your auto insurance rate, here are some things you should know about vehicle insurance and credit scores:

* Most vehicle insurance companies do consider your credit score when determining your auto insurance quote. Don’t forget, however, that your credit score is just one factor; your driving record, the type of vehicle you drive, where you live, how many miles you drive each year, your gender and age, even your education level are all other factors that insurance companies consider.

* A vehicle insurer looks at your credit score differently than the way a potential lender might. For example, an insurer is likely going to be more interested in how reliably you pay your bills than in how many different types of credit are on your credit report. Insurance companies try to use your financial reliability and sensibility, as reflected in your credit score, to predict how reliable and sensible you’re likely to be as a driver and vehicle owner.

* Your credit score is a fluid number that changes. Whenever a change occurs in your credit report, your score can change – going up or down, depending upon the change and its impact on your finances. If your score has improved significantly since the last time you applied for auto insurance, it may be worth it to see if your improved score will qualify you for a better rate. The Motley Fool website recommends you check your credit score to see how it might be affecting your auto insurance rates.

* Checking your credit score is fast and easy, thanks to online resources like The website allows you to access a credit score when you enroll in credit monitoring membership. While this score is not the specific scoring model an auto insurer may look at when reviewing your policy application, it can help educate you about your credit standing. By monitoring your credit you’ll be able to see how changes in your credit report can affect your score, and you’ll receive credit score alerts whenever your score changes.

One of the main complaints consumer groups have made about the practice of using credit scores to set auto rates is that credit reports may contain errors. By monitoring your report regularly, you can help ensure it remains error-free and that your insurance company is looking at the most accurate possible snapshot of your credit history.

4 Tips for Buying Car Insurance

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Like most things in life, a one size fits all policy doesn’t exist when buying car insurance. State minimums are a good place to start but those often don’t provide enough coverage to protect you and your family. Depending on your car’s make, year and model, a car insurance policy containing full collision coverage and all the bells and whistles may be too much. So how do you go about buying car insurance that offers the right amount of coverage at the best value? The key — talking openly with your insurance agent.

Tip #1: Shop Early

The best time to shop for a new car insurance policy is before your current policy expires, when a new driver is coming on board, or when you purchase a new vehicle. You can typically get a discount if shopping before your current policy expires. Start looking 30 days ahead of your policy’s expiration to ensure you have everything lined up in time. Likewise, different carriers provide better rates for new drivers and certain luxury car brands. If you have a new driver in the house or purchase a new vehicle, a SelectQuote agent can shop a full network of carriers to find a policy that meets your needs at the best price available.

Tip #2: Be Prepared

When buying car insurance, follow the Boy Scout motto and be prepared. Before you jump on the phone with your agent, have your old/current car insurance policy, driver’s license and VIN number on hand. Your SelectQuote agent will ask you a series of questions before searching their database of 18-20 A-rated insurance carriers to find the best policy for your needs.

Basic Information Needed for a Car Insurance Quote

Your agent will need to know:

  • Full name
  • Address
  • Date of birth
  • Driver’s license number
  • Vehicle VIN
  • Driving record
  • Requested coverages

Tip #3: Ask Smart Questions

You can also ask your SelectQuote agent questions to ensure they have all the needed information to find the best policy for you.

Questions to Ask When Talking to Your Car Insurance Agent

Consider asking:

  • Are my coverages up-to-date? What should I modify or change?
  • Do I have enough coverage to protect me and my family?
  • What add-ons are available? How much will it cost to add on rental car reimbursement, roadside assistance and other add-ons that can help me should I have an accident?
  • What discounts are available for multiple cars and drivers insured through the same carrier?
  • Do I qualify for any discounts if I bundle my home and auto insurance?
  • Are discounts available for lower mileage and how do I qualify?
  • What accident forgiveness options are available? (If needed)

Be upfront with your agent and provide all of the needed information. Having an open and honest conversation about your needs and driving history will allow your agent to find the best car insurance quote for you. The entire process will last around 10-15 minutes.

Tip #4: Avoid The Biggest Pitfall of Buying Car Insurance

Sue Callis, a regional coaching manager for SelectQuote, warns the biggest mistake people make when purchasing a car insurance policy it comparing their rates to their neighbor’s. Your rates are based on your vehicle’s year, make and model, as well as your personal insurance score. Your insurance score takes into account many factors, including your insurance carrier and how long they’ve insured you, your driving record and your credit. Therefore, your neighbor could be the same age and drive the same car as you, but qualify for a different insurance rate.

In the end, finding the right insurance carrier and policy comes down to a mix of coverage, value and experience. Look for a car insurance carrier who not only provides the best rates and coverages but provides professional, A-rated service. You only use your insurance when you have a claim. And it’s at those times when you most need someone who is responsive, compassionate and quick to help. Your SelectQuote agent will help you discover the best car insurance policy to ensure you are not under or over insured, but that your policy is just right. Start your free car insurance quote today and see how you can save.

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How to Successfully File a Car Insurance Claim

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No one likes thinking about being in a car accident but with more than 140,000 million Americans on the road daily, many of them drowsy, texting or otherwise distracted, the odds are you’ll experience at least one accident during your driving career. 

We’re not suggesting every time you get behind the wheel you dwell on the idea of an auto mishap but knowing ahead of time what you need to do if you’re caught in one can make all the difference when it comes time to file your car insurance claim.

Steps for Filing a Car Insurance Claim

Whether it’s a fender-bender or major mashup, the idea of dealing with insurance adjusters and claim forms can be nearly as stressful as an accident itself. Take these steps before and after a collision and you’ll be able to handle the experience like a pro.

First, be prepared by keeping the following in your car’s glove compartment and/or on your phone.

  • Registration and auto insurance policy number and agent contact info
  • Roadside assistance information
  • Medical information for you and your family members. An ICE program on your phone in case police and paramedics need it is recommended

If you’re in a collision, pull over to a safe area and check for injuries and car damage. Use your phone’s camera to take photos of all cars and collect the information you need for calling your agent and making a claim:

  • Name and contact information of all parties
  • Driver’s license numbers
  • License plate numbers and registration for other cars
  • Make and model of all involved vehicles
  • Location where accident occurred as well as time of day, weather, and road conditions

Basic Steps of Filing a Car Insurance Claim

Once you exchange information, file a police report, and leave the accident site, it’s time to contact your insurance agent. Don’t put this off: your policy may require prompt reporting and your memory of what occurred will be fresher the sooner you place a call. Be prepared to tell your agent:

  • Which vehicle covered under the policy was involved in the accident
  • Who was driving and the location and time of the accident
  • A general description of what happened and the severity of damage to all vehicles
  • The name and insurance company information for the other driver
  • Any witness names

Your agent will also want a police report number. If a report was not done at the scene, you can still get one at the local police station. 

You’ll then have an adjuster assigned to your claim and she or he will likely contact you for more information. Stick to facts and provide any photos you took. You may be required to take your car to a certified repair shop for inspection. The adjuster will then consider and evaluate your claim and decide what compensation, if any, you should receive.

If the claims process is not a smooth one and you’re unhappy with how the carrier is handling it, you may decide to look for a new car insurance company. 

Does Making a Car Insurance Claim Raise Your Rates?

Whether filing a car insurance claim makes your premium go up depends on things such as previous claims, the state you live in, and the insurance company’s rules and regulations. Some states allow insurers to add a surcharge to rates after an accident and they typically last 3 to 5 years before decreasing.

You may not realize it but you’re entitled to switch your insurance provider at any time, including while you have an open car insurance claim. Because car insurance companies often raise premiums for drivers who’ve recently been in a collision, making the switch after an accident can end up saving you money. Not to mention, there’s little downside to shopping around for the lowest price.

A Simple Way to Get Multiple Quotes

Even if your rates don’t go up after filing a car insurance claim, when it’s time to renew your policy it’s a great idea to compare quotes to make sure you’re getting the best deal. SelectQuote makes it easy to compare multiple highly rated insurers and get the insurance coverage you need for the lowest price. 

In just minutes, we match you to multiple reliable carriers who provide accurate, personalized coverage options, rates and discounts all in one easy-to-navigate place. To learn more, contact a licensed SelectQuote agent today

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Home and Auto Insurance Policy Basics

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Summer is a busy time when people are on the move. But even if you aren’t getting a new address, it’s the perfect time to review home and auto insurance basics to make sure you have the right insurance coverage for you. 

Before you get started, it’s helpful to understand home and auto insurance basics. We’ve outlined them for you below so you will be in-the-know when you talk to your SelectQuote licensed agent. 


Auto Insurance

Comprehensive Coverage

Sometimes accidents happen. Maybe it’s a natural disaster, such as a flood, tornado or earthquake. Or maybe your car was damaged while parked at the store, stolen or vandalized. Whenever damage occurs, such as non-impact physical damage, theft and unoccupied accidents, comprehensive coverage covers your loss

Liability Coverage

Liability only is when a policy only includes coverage for bodily injury liability and property damage liability. It protects the people in the other car when you are at fault. This SQ Blog post has liability requirements for each state so you can figure out how much coverage you will need. 

Collision Coverage

More than 6 million car accidents happen each year in the U.S. The average cost of repair is $7,500. Collision insurance covers the insured’s vehicles losses involving impact. 

Bodily Injury Liability

If you’re found responsible for an accident, this type of coverage pays for the costs associated with the treatment to others. This plan will pay legal and settlement fees if a lawsuit occurs as the result of an accident you caused.

Property Damage Liability

Like bodily injury liability, this type of coverage is in effect when a car accident is your fault. Property damage liability covers parts and labor for car repairs, property inside the other party’s vehicle, and any items that you may have hit. While this plan will also pay certain legal expenses, it does not cover damages to your own vehicle or property

Medical Payments Protection

This insurance pays out regardless of who is at fault in an accident resulting in injuries. It covers medical expenses, and in many cases, lost wages due to injury from a car accident. Whenever damage occurs beyond a driver’s control, comprehensive insurance covers the loss. In most states, it is an optional addition to an auto insurance policy.

Uninsured/Underinsured Motorist Protection

Covers the cost of repairs to your vehicle and medical expenses if you’re injured in an accident with an at-fault driver who does not have liability insurance. It also covers your costs if you’re in an accident with an at-fault driver who does not have sufficient coverage to pay for damages to your vehicle or the medical expenses you may incur if you’re injured in the accident

Home Insurance


This type of insurance covers you from damage resulting from a covered hazard, such as fire, wind, lightning, hail, explosions, vandalism and a few other dangers. It helps pay for rebuilding or repair of your dwelling. Any attached or detached structures on your property, like a shed, are also covered.


This type of policy covers furniture, clothing, sporting goods, electronics and other noted household goods of value that are damaged or destroyed by a covered cause, like a fire or theft/break in. 

Personal Liability

Coverage from lawsuits for property damage or bodily injury that may result from an accident someone has in your home or on your property. This insurance protects you from legal fees and pays court awards that may follow such events.

Additional Living Expenses

If a fire or natural disaster prevents you from staying in your home, additional living expense coverage will help you pay for expenses while away from your home. It can cover items such as your hotel, animal boarding and restaurant meals.

Renters Insurance

Protecting what you own while you rent is valuable, it covers liability, same as a standard homeowners policy. 

And when you bundle both home and auto insurance, you really maximize your savings. When you’re ready to get a new policy or switch from your existing carrier, SelectQuote is here to help you find a plan that will give you the coverage you need at a price you can afford.

Still have questions about home and auto insurance basics? Your licensed SelectQuote agent will work with you to make sure you have the right kind of coverage by shopping multiple highly rated carriers to find the best coverage available at the best price. Contact us today for your free quote

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Everything You Need to Know About Bundling Home and Car Insurance

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Doesn’t the word “bundle” just make you feel cozy? Being all bundled up next to a roaring fire. Rocking your little bundle of joy. And there’s another bundle that can evoke that wonderful feeling … and that’s a home and car insurance bundle. Not sure if it’s for you? Here are five things you might not know about home and car insurance bundles, so that you can determine whether or not it jibes with you.

1. You can save money.

Not to brag, but we offer savings for customers who trust us with all their things. Esurance offers a multiple-policy discount — in states where we offer both car and home insurance. You can check out whether your state is part of the fun here.

2. Less. Paperwork.

We all know what a hassle it is to fill out multiple forms, set up multiple accounts, and make sure that you have all your bills paid when needed. Going with one insurer lets you simplify your life — making insurance surprisingly painless. It means having just one online account and knowing that one single company is at your beck and call.

3. In some circumstances, you’ll only have to pay one deductible.

What feels more painful than paying a deductible when something goes awry? Paying 2 deductibles. And yep, there absolutely can be incidents where both your car and home are involved in an incident. Like your teen accidentally hitting the gas pedal instead of the brake and cratering your garage door. Or, a freak storm riddling both your house and car with hail damage. If your insurance is bundled, then voila … you’re only paying the out-of-pocket deductible once before insurance kicks in.

4. You can keep the flexibility you need.

We get it: Your needs can change. Maybe you used to travel for work all the time so you added in rental car coverage, and now you’re sticking closer to home. Or maybe you were a renter, and now you’re a proud homeowner who needs an extra bump of coverage. Even with a home and car insurance bundle, you can make changes to your policy, subject to terms and conditions. But remember, if you decide to drop one part of the bundle, the savings and simplicity may go with it. So be sure to talk carefully about any changes with your insurer.

5. But … make sure bundles have quality coverage.

There’s always a “but” isn’t there? But this one is just a cautionary tale that you should be investigating anyway. And that’s realizing that not all companies’ bundles are created equal. For example, some might provide top-notch automobile coverage, but their home coverage is more sparse. That could leave you in the financial lurch after a claim.

At Esurance, quality coverage means quantity savings for both home and auto. For a bundled quote, give us a call today at 1-844-822-0488 … and find out how we’re making insurance surprisingly painless.

Car insurance 101 | Homeowners 101


about Cathie

Cathie Ericson writes about personal finance, real estate, health, lifestyle, and business topics. When she’s not writing she loves to read, hike, and run. Find her @CathieEricson.

What Are These Insurance Terms Anyway? Your Glossary to 7 Stumpers

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Sometimes looking at your car insurance options can be like trying to read something in a foreign language. Many insurance terms sound so lawyerly — and frankly scary — when all you want to do is find out if you’re covered or what the status of your claim is. Fear not. Here are 7 confusing car insurance terms that and what they actually mean.

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Salvage Title

A “salvage title” is given to a car when it’s been declared a “total loss.” That’s when it’s more expensive to repair than replace it. A vehicle is given a title so that it’s harder for an unscrupulous dealer to repair and palm it off to an unsuspecting customer. Even if they’ve “washed” the title so it appears clean, you can still find out all about a car’s background through its Vehicle Identification Number (VIN), which’ll report all of its claims.

Full Coverage

Sounds comforting, right? The thing is … there is no such thing. This is a phrase that’s kicked around a lot at dealerships, but unfortunately it’s not an actual insurance term. When people say “full coverage,” they usually mean a policy that has collision, liability, comprehensive, and collision. All 3 are great to have, but please, please know that it doesn’t cover EVERYTHING. To get your coverage where it should be, start by using Coverage Counselor®. 

Lapsed Coverage

Whoops! You thought you could get away with skipping a car insurance payment? Bad idea…if you are driving without coverage, you’re, well, not covered. But even worse, it’s illegal in many states, and it could mean that you pay even a higher premium when you do come to your senses and reinstate your coverage. 

However, sometimes you might have a completely legit reason to drop coverage. Maybe you sold your car or decided to bike to work. But be aware that dropping coverage for any reason — even these understandable ones — could still affect your rates in the future.

Uninsured/Underinsured Motorist Coverage

Well that’s not fair that someone who’s uninsured walks away scot-free? Unfortunately in some cases those with no insurance just say, “Sorry!” and you’re on the hook, even if you weren’t at fault. Uninsured or underinsured motorist coverage means that your insurance company will help pick up the slack. (And in some states, it’s required!)

Medical Payments Coverage

You hate to think about it, but if there are victims in an accident, bills can mount rapidly. Medical Payments Coverage helps with the medical expenses of covered drivers and passengers after an accident, no matter who’s at fault. Even if you’re struck by a car while walking or you’re injured as a passenger in someone else’s car, coverage could still step in.


Yes, it sounds fancy but what it really means is that you will be compensated for damages. And yes, that’s good news indeed!

Gap Insurance

Thinking of leasing or financing a vehicle? Most lenders will require you to add what is known as “gap coverage” to your auto policy. And for good reason. Gap coverage helps cover the “gap” between what you still owe on the car, and its market value at the time of the accident. Also important to note is, you typically have to have comp & collision on your policy before you can get gap insurance. 

Not sure what coverage to get? Try Esurance’s very own Coverage Counselor®. Answer a few easy questions, and our tool will suggest coverages and coverage limits worth looking into. It’s even available to non-Esurance customers. From there, you can also a free auto quote —  and see how much you could be saving on insurance. When insurance is affordable and simple, it’s surprisingly painless.

Car insurance 101


about Cathie

Cathie Ericson writes about personal finance, real estate, health, lifestyle, and business topics. When she’s not writing she loves to read, hike, and run. Find her @CathieEricson.

Esurance Commercial: Saving Money with Dennis Quaid [Video]

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Dennis Quaid: Let’s be honest. Every insurance company talks about saving you money. But Esurance’s business is built around doing things that save you money. Heck, they’re saving money, right now on this commercial by filming it on the set of another commercial and all in one take which means I have to get … one shot to get it right and even if I don’t, they’re going to air it anyway to show you how dedicated they are to saving you money.

Dennis Quaid VO: When insurance is simple, it’s surprisingly painless.

All the news | Around Esurance


about Alicia

As a Senior Copywriter at Esurance, Alicia spends her days making insurance surprisingly painless! She grew up in Detroit, spent some quality time San Francisco, and currently resides in Chicago with her dog, Pizza. In her free time, she enjoys getting creative in the kitchen or busting a move in Zumba.

Car Maintenance and Repairs: Tips to Save Money on Car Insurance

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One way to save money on car insurance is to keep your car in tip-top shape by focusing on car maintenance and repairs. But keeping up on those tasks, you may also be able to save money on your car insurance. Think about it. If you’re in a wreck and file a claim, there are car repairs you have to make and those you don’t. Regular car maintenance and repairs help prevent accidents, which could help lower your annual car insurance premiums, saving you money on car insurance.

Car Repairs After an Accident 

In many cases, you will file an insurance claim for anything beyond the very minor fender-bender. Car repairs are not always necessary, depending on the damage. Assuming you have full coverage—and your vehicle isn’t declared a total loss—your insurance claim will likely award money for repairs to the vehicle’s body, frame and/or drivetrain.

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Do you have to make those repairs, or can you pocket the cash and live with it? That depends.


Damage such as a crushed engine compartment or broken axle is a no-brainer. Major repairs must be estimated and performed by a licensed and approved shop, or a car insurance company may drop your coverage on the vehicle. If it’s only something like a dented bumper, whether you must repair or not depends on the next question.

Loan or Own? 

If you’re making payments on the vehicle, you don’t own it outright but it’s your responsibility to repair any damages. Your lender, or the automaker in the case of a lease, is likely listed as a “loss payee” on your auto policy. If you own the car free and clear, any cosmetic repair is up to you. And that leads to the next question …

Continue with the Same Coverage?

If you want to maintain comprehensive or collision coverage on the vehicle, your car insurance company carrier will require the vehicle to be repaired, even if you own the vehicle outright.

Car Maintenance Prevents Accidents 

Regular car maintenance can be the source of a discount from some car insurance providers. After all, cars have so many parts and systems that are intricately and integrally connected. When one isn’t functioning well, others suffer, often affecting vehicle safety. 

Whether it’s worth a rate discount or not, proper car maintenance and repairs will save you money, and possibly more. No one ever does everything the owner’s manual recommends, but these tips will help keep your vehicle safely on the road and preserve its long-term value.

Tend to Your Tires

Nothing is more important than where “the rubber meets the road.” Tires affect traction, vehicle control, braking effectiveness and safe turning. Poor tread and/or improper inflation can spell serious trouble, especially in rain, snow and ice. Maintaining the right tire pressure, rotating tires and replacing as necessary is easy and economical.

Mind Your Brakes 

A split-second in stopping distance time is often the difference between ding and disaster. Worn breaks brakes slow your stop. Brake pads are usually good for 20,000 miles, though most are not replaced early enough, which leads to more expensive and hazardous damage to brake rotors.

Stay in Charge of the Battery

Battery and electrical issues are leading causes of car fires. Check the battery frequently for corrosion on the terminals, loose connections and the approaching expiration date. If you sense the car isn’t starting with the same gusto, or dashboard lights dim or flicker, it’s time to clean, tighten or replace

Keep it Cool

An overheated car is another leading vehicle fire risk. It’s also an automatic “get-to-the-shoulder” moment, leaving you and the vehicle more susceptible to accident. Avoid it all by flushing the radiator every year or two, which will purge the deposits that build up inside and prevent proper flow of the engine coolant.

Top It Off

Speaking of coolant, it’s one of many fluids your vehicle depends on for safe and reliable operation. Think about windshield wiper fluid—run out of it on a snowy, salty and silty highway and you could be driving blind. Brake and transmission fluids are equally important. Simple stuff, but potentially life-saving.

Car Maintenance and Repairs Records

Be sure to keep records and receipts of all car maintenance and repairs. Not so much for your current insurance policy’s sake, but you’ll need them when applying for a new policy that might offer discounts for cars with strong maintenance and repair records.

Even if they don’t lead to a discount on your car insurance, all the maintenance tasks above are easy DIY tasks, reasonably priced at dealers and mechanics, and will extend the life and value of your vehicle. That’s a money-saver, no matter what you drive.

And you can turn to your SelectQuote agent to help you get the right car insurance policy for you.

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The Top 10 Most Stolen Cars (And How To Protect Yours)

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If you’ve ever had your car stolen, you know that bewildering feeling — wandering around the parking lot thinking, “But I know I left it right here!” Or coming out in the morning to find your driveway tragically empty. And it does happen: the FBI says that there were $5.9 billion worth of motor vehicle thefts in 2016 (the most recent report).

Here’s the list of the Top 10 most stolen cars, as ranked by the National Insurance Crime Bureau.

  1. Honda Civic (1998) 
  2. Honda Accord (1997)
  3. Ford Pickup Full Size (2006)
  4. Chevrolet Pickup Full Size (2004)
  5. Toyota Camry (2017)
  6. Nissan Altima (2016)
  7. Toyota Corolla  (2016)
  8. Dodge Pickup Full Size (2001)
  9. GMC Pickup Full Size (2017)
  10. Chevrolet Impala (2008)

Want to avoid being one of the victims, even if you drive that super popular 1998 Honda Civic? Check out these tips to help deter car thieves.

Park your car carefully

As in, where it’s harder to steal. Whether it’s in a parking lot or on the street, choose a well-lit area and preferably one with plenty of traffic. At home, use the garage if you have one.

Car thieves are looking for easy opportunities. So anything you can do to thwart their hope for a quick grab is ideal.

Watch out for “staged accidents”

Sometimes car thieves make off with your vehicle right in front of your eyes. The NICB says two common maneuvers include side-swiping your car and stopping abruptly in front of you so you rear-end them. Then when you pull off to the side to discuss the incident, the thief takes your car (dents and all). For this reason, it’s all the more important to have your phone at the ready to snap photos and even video.

Use an anti-theft device

A steering wheel or tire lock makes it harder for a thief to drive away. Another smart option is a GPS tracking device … which might not make it harder to steal but will make it easier to find. (Plus, these devices could earn an auto discount!). 

Drive a stick shift

Fewer and fewer people are learning how to drive manuals since 90% of new cars have automatic transmissions. Which means, if you drive a stick, there’s a decent chance a car thief won’t know how to operate it. 

Don’t leave your door unlocked — and the key inside

This one might seem obvious. But in a small town with a low crime rate, it’s easy to get comfortable. Always take your car keys with you and lock your vehicle. 

Having your car stolen is painful. Having the right coverage can make dealing with it (WAY) less painful. Get an auto quote with Esurance and find out how we’re making insurance surprisingly painless.

Car insurance 101 | Car safety


about Cathie

Cathie Ericson writes about personal finance, real estate, health, lifestyle, and business topics. When she’s not writing she loves to read, hike, and run. Find her @CathieEricson.

Esurance Video: Behind the Scenes

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Off camera: Ready?

Dennis Quaid VO: Hi there, this is a behind the scenes video for the new Esurance ad campaign about how they make insurance surprisingly painless by being simple, transparent, and affordable. Well actually it’s like a behind, the behind the scenes. Because of the whole transparent thing.

DQ VO: See there’s the director’s clapboard so you know they’re showing you stuff that’s not in the commercials. 

Dennis Quaid: Was that good?

DQ VO: I’m Dennis Quaid, the new Esurance spokesperson and this is my trailer.

Dennis Quaid (singing): Insurance is surprisingly painless.

DQ VO: Here’s some shots of crew guys moving stuff around. 

That’s me, screwing up my line. That happened a few times.

SFX: Flub noises

Dennis Quaid: That’s hard to say. Ready?

Director: Roll sound please.

Dennis Quaid: Readdddddddy.

DQ VO: They added these clips to show you how much fun we had on set.

Although it wasn’t all fun.

Dennis Quaid: HEY! GET OFF MY SET!

DQ VO: Those were birds.

Anyway, here are some scenes they actually used.

And finally, the ending part.

Dennis Quaid: Greatest commercial crew I have ever worked with. Yes, it is my first commercial.

DQ VO: That was pretty painless, right?

All the news | Around Esurance


about Alicia

As a Senior Copywriter at Esurance, Alicia spends her days making insurance surprisingly painless! She grew up in Detroit, spent some quality time San Francisco, and currently resides in Chicago with her dog, Pizza. In her free time, she enjoys getting creative in the kitchen or busting a move in Zumba.