How to Get a New Customer and New Plan Discount

Save up to 10% on your auto insurance rates with a new customer and new plan discount. Only Liberty Mutual, MetLife, and Safe Auto offer a new customer and new plan discount, but requirements to get the discount will vary. Bundle this with other discounts for the best new customer and new plan auto insurance discount rates.

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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...

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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: Aug 6, 2021

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Things to Remember

  • Save up to 10% on your auto insurance rates with a new customer and new plan discount
  • Only three auto insurance companies offer a new customer and new plan discount
  • Requirements vary, but the discount is usually only available for one year or less

Auto insurance can be expensive, but there are many different ways to save if you know where to look.

Drivers change auto insurance companies to get better rates, but you can also get car insurance discounts just for switching.

A new customer and new policy auto insurance discount can save you up to 10%. However, it can be difficult to find affordable auto insurance with a new customer and new policy discount since only three companies offer it.

Shop around and compare rates and discounts from various companies to find the best deal for you. You can even get extra savings just for switching companies.

Before learning more about getting a new customer and new plan discount, enter your ZIP code now to compare free quotes from auto insurance companies in your area.

What companies offer a new customer and new plan discount on auto insurance?

Many drivers switch auto insurance companies quite often, and that’s a great way to get low rates. Experts say you should at least compare quotes once a year.

Since rates and discounts vary by company and by state, each car insurance company will offer different rates. And those rates change over time. Sticking with the same insurer without checking around can cost you money.

This table shows you the average annual auto insurance rates from some of the best companies out there. Take a look to see just how much rates vary from company to company.

Average Annual Auto Insurance Rates By Coverage Type
CompaniesAverage Annual Auto Insurance Rates for High CoverageAverage Annual Auto Insurance Rates for Low CoverageAverage Annual Auto Insurance Rates for Medium Coverage
Allstate$5,139.02$4,628.03$4,896.81
American Family$3,416.40$3,368.49$3,544.37
Farmers$4,494.13$3,922.47$4,166.22
GEICO$3,429.14$3,001.91$3,213.97
Liberty Mutual$6,356.04$5,805.75$6,058.57
Nationwide$3,505.37$3,394.83$3,449.80
Progressive$4,350.96$3,737.13$4,018.46
State Farm$3,454.80$3,055.40$3,269.80
Travelers$4,619.07$4,223.63$4,462.02
USAA$2,667.92$2,404.11$2,539.87
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Insurance companies know that drivers are looking for the cheapest rates out there. Some auto insurance companies will offer you an extra incentive to switch in the form of a new customer and new plan discount.

However, only Liberty Mutual, MetLife, and Safe Auto offer the new customer and new plan discount, and the amount of the discount varies.

The amount of time you get the discount also varies but is usually six months to one year.

Keep in mind that it’s possible for some local auto insurance companies to also offer a new customer and new plan discount.

So, as you’re shopping around, look for auto insurance quotes with a new customer and new plan discount to see who can give you the best deal.

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What is a new customer and new plan auto insurance discount?

A new customer and new plan discount is just like it sounds. It’s a discount for signing up for new coverage with a new auto insurance company.

How can I get a discount on my insurance?

Some auto insurance companies offer a new customer and new policy discount as a separate discount when you switch coverage to them, and some just include it automatically as one of the hidden auto insurance discounts.

Switching companies is a great way to save on your car insurance. But, make sure you have new coverage in place before you cancel your old policy. You don’t want your coverage to lapse.

According to the Insurance Information Institute, about 12% of drivers are uninsured, whether from not ever having insurance or from allowing their policy to lapse.

Most states require some sort of auto insurance and enact strict penalties for those who drive uninsured. A lapse in car insurance can lead to fines, driver’s license suspension, and possible jail time.

What are other auto insurance discounts offered?

Most auto insurance companies offer drivers discounts to help lower rates. You can usually find all different types of car insurance discounts, such as driver discounts, policy discounts, and even discounts based on your vehicle.

How do I ask for car insurance discounts? First, know what type of discounts you qualify for, then simply ask for them.

This table shows you the available auto insurance discounts from the top companies in the country. The amount of the discount is listed if it is known.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device / AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging / StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer / New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingxxxN/Ax$30x$233
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Consider bundling your discounts to save even more. For example, you could combine a good student discount, a multi-car discount, and a new customer discount for the greatest savings.

New Customer and New Plan Discount: The Bottom Line

Save up to 10% on your auto insurance with a new customer and new plan discount from Liberty Mutual, MetLife, or Safe Auto.

While other car insurance companies don’t offer a new customer and new plan discount, you can still take advantage of other discounts to lower your rates.

Before you buy auto insurance with a new customer and new plan discount, shop around to see who can offer you the lowest rates with the biggest discounts.

Now that you know more about new customer and new new plan discounts, enter your ZIP code now to compare free auto insurance quotes from companies in your area.

Free Auto Insurance Comparison

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

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