How to Get an Early Signing Discount

An early signing discount can save you up to 15% on your rates. To qualify and early signing discount rates, you’ll need to renew your policy with your insurance company before your current coverage expires. Discounts vary by company, and specific requirements may apply. For example, Allstate insurance offers a 10% early signing discount, but only for your first renewal with the company.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 8, 2021

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Things to Remember

  • An early signing discount is an incentive for insureds to remain with the same company
  • Many of the major insurance companies offer early signing discounts to existing insureds
  • You can save up to 15% with an early signing discount

There are several ways to find cheap auto insurance rates, including asking about discounts. Insurance companies offer a variety of auto discounts you may qualify for, including the early signing discount.

What is the best early signing discount auto insurance company? Does Allstate car insurance offer an early signing discount? Where can you find affordable early signing discount auto insurance? Read this article to answer all your early signing discount auto insurance questions. 

Enter your ZIP code in our free comparison tool to get early signing discount auto insurance quotes right now.

What is an early signing auto insurance discount?

Some insurance companies (we’ll talk more about which companies in the next section) offer existing insureds an early signing discount if you elect to renew your policy before your current coverage expires.

With this discount, you can save up to 15% on your rates, but this percentage varies depending on your insurer. For example, Allstate offers a 10% discount for early renewal after your first policy term.

Letting your auto insurance lapse is a bad idea, and the consequences can be extensive. A lapse in coverage means you’re without insurance when your current policy expires until you purchase new coverage.

Driving uninsured is illegal in most states (though an average of 13% of drivers are uninsured, according to the Insurance Information Institute). If you’re caught, you may face suspension of driving privileges, fines, and more.

Taking advantage of an early signing discount can prevent you from having a lapse in coverage.

Keep reading to find out more about where you can buy early signing discount auto insurance.

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What are the best insurance companies for early signing auto insurance discounts?

Several major insurance companies offer early signing discounts as an incentive for staying with the same insurer. Take a look at this table to find out if your insurance company offers this car insurance discount, and if so, how much you can save.

Early Signing Discount Savings and Availability by Company
Insurance CompaniesOffers Early Signing DiscountAmount Saved with Early Signing Discount
21st CenturyYesNot Available
AAANo-
AllstateYes10%
American FamilyYesNot Available
AmeripriseNo-
AmicaNo-
Country FinancialYes10%
EsuranceYes10%
FarmersYesNot Available
GeicoYesNot Available
Liberty MutualNo-
MetLifeYes15%
NationwideYes8%
ProgressiveYesNot Available
Safe AutoNo-
SafecoYes8%
State FarmNo-
The GeneralNo-
The HanoverNo-
The HartfordYesNot Available
TravelersYes10%
USAAYes12%

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As you can see, you can save up to 15% on your rates with the early signing discount.

Early Signing Auto Insurance Discount: The Bottom Line

Early signing discounts are offered by several major insurance companies as an incentive for staying with the same insurer. You can save up to 15% on your rates with this discount.

Speak with your insurance company to find out if there are specific qualifications other than renewing before your current policy expires.

Before you go, take a moment to use your ZIP code in our free tool to get early signing discount auto insurance rates and start comparing today.

Free Auto Insurance Comparison

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

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