What is the continuous coverage discount?

You can save up to 15% on your car insurance with a continuous coverage discount if you have not allowed your coverage to lapse. Not all companies offer this discount and requirements will vary. For example, Progressive loyalty rewards offer varying discount amounts based on how long you have been a customer. Take advantage of a continuous coverage discount to save money on your car insurance.

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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.

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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.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: May 24, 2021

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Things to Know

  • Drivers who don’t allow their car insurance to lapse may qualify for a continuous coverage discount
  • Although most companies offer the discount, some may only offer it to drivers who have kept their car insurance with that company for a number of years
  • Continuous coverage discount can be up to 15%, although amounts will vary by company

You may be able to receive a continuous coverage discount if you don’t allow your car insurance to lapse for a certain amount of time. Not all car insurance companies offer this discount, and the discount amount will vary by company.

Shop around to find the most affordable car insurance with a continuous coverage discount. Compare quotes to see which company can offer you the highest discount and the cheapest coverage.

Enter your ZIP code now to compare car insurance rates with a continuous coverage discount from multiple companies for free.

What is a continuous coverage discount?

Continuous coverage means that you have gone a certain number of years with auto insurance in place with no lapses or pauses.

Some car insurance companies only give a discount if you have been with them for continuous years, but other companies will honor the time you spent with another company.

If you allow your car insurance to lapse, you will face more than just higher car insurance rates.

According to the Insurance Information Institute, almost 13% of drivers are uninsured. These drivers have either allowed their coverage to lapse or never had it in the first place.

Most states require you to carry at least a minimum amount of car insurance. If you drive without car insurance, you may face fines, driver’s license suspension, and possible jail time.

You will also see your car insurance rates increase dramatically when you do renew coverage.

While there are some valid reasons for letting your car insurance lapse, such as military deployment, it could be more cost-effective in the long run to keep some kind of minimum car insurance just to prevent a lapse.

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What car insurance companies offer a continuous coverage discount?

You can find car insurance with a continuous coverage discount from many different companies, but they will all have different requirements.

For example, some companies may require you to carry car insurance with them for at least five years before you get the discount.

Other companies may just require that you have had coverage for five years, no matter what company you used.

This table shows you car insurance companies with a continuous coverage discount available. If the amount of the discount is known, it is added.

Continuous Coverage Car Insurance Discount Available By Company
CompanyContinuous Coverage Discount Available
21st CenturyX
AAAX
AllstateX
American FamilyX
AmicaX
Country FinancialX
EsuranceX
FarmersX
GEICOX
ProgressiveX
Safe AutoX
SafecoX
The HanoverX
The HartfordX
Travelers15%
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Some companies, such as Progressive loyalty rewards, offer discounts depending on the amount of time you’ve had coverage.

The Progressive car insurance loyalty chart shows discounts depending on how long you’ve been a customer of Progressive or how long you’ve had coverage in general.

Drivers who have been with Progressive for five years or more are eligible for the Progressive Diamond membership.

The Silver, Gold, and Platnum levels offer discounts for having continuous coverage not necessarily with Progressive.

Continuous Coverage Discount: The Bottom Line

You can receive a discount for maintaining your car insurance continuously from many different companies, but each will offer different amounts and have its own requirements.

You can bundle car insurance discounts to get the most savings.

Before you buy car insurance with a continuous coverage discount, shop around to see which company can offer you the best deal.

Enter your ZIP code now to compare car insurance quotes with a continuous coverage discount for free.

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