What is a new customer or new plan car insurance discount?

A new customer or new plan car insurance discount may be available to you if you are thinking of changing to a new insurance company. Switching companies and getting a new customer discount can save you up to 5%. Sometimes, staying loyal to your current company will save you more than a new plan car insurance discount, so be sure to compare.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 30, 2021

Advertiser Disclosure

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

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to Know

  • Changing car insurance companies can help you save a lot of money
  • Many of the top insurers offer a new customer discount
  • There are certain times you should avoid changing car insurance companies

When you start to think about changing car insurance companies run into discounts offered for switching. What is a new customer or new plan car insurance discount? Many car insurance companies offer new customer discounts and they can save you quite a lot of money.

Discounts can play a big role in how much you are paying. Car insurance incentives and discounts will vary depending on the company you choose to go with.

To find the best rates with a new customer or new plan car insurance discount, you should compare quotes from all of the top-rated insurance companies. Enter your ZIP code here and start comparing rates today.

What are the best car insurance discounts to ask for?

If you are curious about how to get discounts on car insurance, you simply need to figure out what you qualify for. Once you know the discounts available, you can talk with customer service and ask them to add discounts to your policy.

While a new customer or new plan discount can save you money, there are plenty of other discounts you should look into. Each car insurance company is going to offer a variety of discounts.

Multi-policy, new customer, and accident-free are three of the most common car insurance discounts that you will find. However, you can also qualify for discounts based on your grades, education level, ability to drive safely and more.

Let’s take a look at the best discounts available by various car insurance companies so you have an idea of who can give you the best rates.

Discounts by Insurance Provider
Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Controlxxxx
Adaptive Headlightsxxxxxxxx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Daytime Running Lightsxxxxxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Driving Device/Appxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Electronic Stability Controlxxxxxxxxx
Emergency Deploymentx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Farm Vehiclexxxx
Fast 5x
Federal Employeexxxx
Forward Collision Warningxxxxxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Garaging/Storingxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Homeownerxxxxxxxxxxxxxxxxxx
Lane Departure Warningxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Loyaltyxxxxxxxxxxxx
Marriedxxxxxxxxxxxxxx
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Discounts Provided #21212927182726343431383835362230192022382828
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, there are a ton of different discounts out there to help keep your car insurance rates affordable.

By looking at the discounts available from each company, you can easily distinguish the ones you need to ask for to ensure you are getting the most affordable rates.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What car insurance company offers the best rates with discounts?

Figuring out the best car insurance company for you is hard unless you compare quotes from various providers. This is because each company has a different set of information that they use to figure out your risk level.

Once your risk level is determined, the car insurance company can give you a base rate. When figuring out how much of a risk it is to insure you, car insurance companies look at:

  • Age
  • Location
  • Driving Record
  • Credit History
  • Education Level
  • Annual Mileage
  • Number of Claims

Once these factors are taken into consideration and your base car insurance rates are figured out, you can start looking at discounts. The more discounts you qualify for the more money you are going to save on a monthly basis.

GEICO and Progressive insurance are known for offering great base rates and amazing discounts. However, comparing quotes from several companies is the best way to find the most affordable premiums.

Keep in mind, if you have recently had an accident or you are getting a loyalty discount, it may not be the right time to switch car insurance companies. A lot of times these two things will impact your rates drastically and staying put is the best solution.

If you want to compare affordable new customer or new plan car insurance quotes to see if switching is a good idea, enter your ZIP code now.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption