How to Get a Continuous Coverage Discount

A continuous coverage discount provides savings for policyholders who have had consistent auto insurance coverage for a specific amount of time. You may be able to save between 5% and 15% on auto insurance with a continuous coverage discount. You are likely to find a continuous coverage discount auto insurance company by comparing major insurers.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • A continuous coverage discount provides savings for policyholders who have had consistent auto insurance coverage for a certain time
  • Your savings may vary between 5% and 15% based on the company
  • Other ways to save on auto insurance include more auto insurance discounts, bundling policies, and usage-based insurance (UBI) programs

Finding cheap auto insurance rates is possible when you compare quotes from multiple companies and take advantage of discounts. One such auto insurance discount is the continuous coverage discount.

Having consistent auto insurance is an indicator of lower risk than drivers who have gaps in their coverage. Continuous coverage allows the auto insurance company to more easily see your driving history, and you’re more likely to be a loyal customer.

If you’re looking to buy continuous coverage discount auto insurance, enter your ZIP code above to get free continuous coverage discount auto insurance quotes.

What is a continuous coverage discount?

A continuous coverage discount provides savings for policyholders who have had consistent coverage for a certain time.

Each auto insurance company will have different requirements, but if you’ve had coverage for the past five years without pausing or canceling coverage, you will likely qualify for a continuous coverage discount.

When there are multiple people listed on a policy, the primary insured and their spouse or partner are likely the only people who will qualify for the discount. If there are teenagers or adult children listed on your policy, they will be starting from nothing when they switch to their own policy.

Therefore, the sooner that adult drivers get their own policy, the sooner they can start accumulating time to qualify for a continuous coverage discount.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How much can I save with a continuous coverage discount?

The amount you can save with a continuous coverage discount will vary by the insurance company, but the average savings may range between 5% and 15%.

However, your continuous coverage auto insurance rates will also vary based on your individual driving history and demographics.

Where can I get a continuous coverage discount?

Below is a chart indicating some of the discounts offered by major auto insurance companies:

Common Auto Insurance Discounts Offered by Major Companies
CompaniesGreen VehicleForward Collision WarningClaim FreeContinuous CoverageDefensive DriverFederal EmployeeGood StudentHomeownerMembership/GroupMultiple VehiclesSafe Driver
21st Centuryxxxxxxxx
AAAxxxxxxxx
Allstatexxxxxx
American Familyxxxxxx
Ameriprisexxxxxx
Amicaxxxxxxxx
Country Financialxxxxxxx
Esurancexxxxxxxxx
Farmersxxxxxxxxx
Geicoxxxxxxxxx
Liberty Mutualxxxxxxxxx
MetLifexxxxxxxxx
Nationwidexxxxxxxx
Progressivexxxxxxxx
Safe Autoxxxxxxx
Safecoxxxxxxxx
State Farmxxxxxx
The Generalxxxxxx
The Hanoverxxxxxxx
The Hartfordxxxxxxxxxx
Travelersxxxxxxxxx
USAAxxxxx
Get Your Rates Quote Now

Compare RatesStart Now →

Read our full Allstate, American Family, Esurance, Farmers, and GEICO reviews. Progressive also offers a continuous coverage discount. You can find a full list of Progressive discounts and programs by visiting the company’s website.

How else can I save money on auto insurance?

Besides a continuous insurance discount, many auto insurance companies offer other discounts that can be applied to your policy to provide more savings.

Some popular auto insurance discounts include savings for safe drivers, good students, senior discounts, loyalty discounts, and vehicle safety device discounts. The average savings for most auto insurance discounts is around 10%.

If you need more than one type of insurance, you may be able to save money on both policies by getting them from the same company and taking advantage of a bundling discount.

Some auto insurance companies also have usage-based insurance (UBI) programs that track your driving behaviors and give you a discount based on a score calculated over a certain time.

One of the best ways to make sure you’re getting the best deal on auto insurance is to compare prices from multiple companies. Enter your ZIP code into our free quote comparison tool to find an affordable continuous coverage discount auto insurance company in your area.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption