What is the early-signing discount?

An early signing discount can save you 15% on your car insurance, but each company will offer a different discount amount and have different requirements. For example, the Allstate car insurance discount for early signing is 10% and you must sign your policy at least a week in advance. Take adavantage of an early signing discount to save money and avoid a lapse in coverage.

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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 28, 2021

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Things to Know

  • You can save up to 15% on your car insurance with a discount for signing your policy early
  • You have to either renew or sign up for a new policy at least a week in advance to get a discount
  • You will face higher car insurance rates and possibly legal trouble if you allow your coverage to lapse

Many car insurance companies will give you a discount if you renew or sign up for a new policy before the existing one expires. An early signing discount will save you money and ensure that you don’t let your auto insurance expire.

Each company’s discount amount and criteria will be different. Shop around to find the most affordable car insurance with an early signing discount by comparing rates and discounts from various companies.

Enter your ZIP code now to compare car insurance quotes with an early signing discount from multiple companies near you for free.

What is an early signing discount?

An early signing discount is just like it sounds. Car insurance companies will offer you a discount as an incentive to either renew your coverage with them or sign up for a new policy before your old policy ends.

A car insurance early signing discount is a simple way to save money. Keeping your auto insurance rates low is as simple as renewing your coverage on time. Insurers want to know if you’ve got continuous coverage because if you don’t, you are considered a risky driver and your rates will rise.

You will also prevent a lapse in your car insurance by signing early. Since most states require you to have auto insurance, driving without it will result in severe consequences.

According to the Insurance Information Institute, about 13% of drivers are uninsured. If you drive with your auto insurance lapsed, you risk fines, driver’s license suspension, and possible jail time.

You can avoid legal issues and save money just by renewing your car insurance policy early.

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What car insurance companies offer an early signing discount?

Most companies offer many different types of car insurance discounts and allow you to bundle them for even greater savings. Many car insurance companies offer an early signing discount since it benefits them to keep you as a customer.

This table shows you car insurance companies with an early signing discount. If the amount of the discount is known, it is listed.

Early Signing Car Insurance Discount Available By Company
CompanyEarly Signing Discount Available
AAAX
AllstateX
American FamilyX
Country FinancialX
EsuranceX
FarmersX
GEICOX
Liberty MutualX
MetLifeX
NationwideX
ProgressiveX
SafecoX
The HartfordX
Travelers3-10%
USAAX
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Each car insurance company may have a different amount of a discount. The early signing discount provided by Allstate car insurance, for example, differs from the discount offered by Nationwide.

The requirements may also differ from one company to the next. To get the discount, Allstate insurance allows you to renew or sign up for your policy at least seven days before your current policy expires, although other companies may have different rules.

Early Signing Discount: The Bottom Line

If you sign your new policy at least a week ahead of time, you can save up to 15% on your car insurance with an early signing discount. You can also combine this discount with others to save even more money.

Before you buy car insurance with an early signing discount, shop around and compare rates and discounts from different companies to find the cheapest coverage.

Enter your ZIP code now to compare car insurance rates with an early signing discount for free.

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