Continuous Coverage Discount: How Much Can You Save?

The continuous coverage discount is offered to customers who have maintained auto insurance without gaps. This discount is designed to reward clients for remaining covered. Progressive is the most popular auto insurance provider to offer this discount. They offer a discount that increases based on how long you have maintained coverage.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 14, 2021

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Can't-Miss Facts

  • Continuous coverage is a discount given to those who have maintained auto insurance
  • The most popular auto insurance company to offer this discount is Progressive
  • A continuous coverage discount will vary up to 10% depending on the provider and how long coverage has been maintained

With the continuous coverage discount, you can enjoy loyalty benefits even when you switch auto insurance providers. Keep reading to learn how to qualify for the continuous coverage discount and who offers it.

Do you already know all you need to know about the continuous coverage discount? Enter your ZIP code below, and we will help you jumpstart your auto insurance search.

What is a continuous coverage discount?

Continuous coverage is a loyalty discount offered by car insurance companies.

Unlike traditional loyalty discounts that reward you for maintaining coverage with the same company, continuous coverage discounts actually offer more discounts.

This discount essentially rewards customers for staying covered, even through another company. The longer you have maintained car insurance coverage, the larger the discount, generally up to 10 percent.

Exactly how long you need to maintain coverage to qualify for this discount will depend based on the requirements of the car insurance provider.

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Why do companies offer a continuous coverage discount?

Essentially this discount is offered to encourage individuals to avoid lapses in coverage. A lapse in coverage can lead to serious consequences for you as a driver.

If you should get into an accident while you are uninsured, you run the risk of being on the hook for thousands of dollars of repairs, medical bills, and being without a car.

The reason that car insurance companies want to prevent this is two-fold.

First, they want to encourage customers to purchase their insurance. Second, offering a continuous coverage discount helps to encourage customers to maintain coverage and stay covered.

Secondly, underinsured and uninsured drivers cost car insurance companies money.

If you purchase under or uninsured coverage, your insurance will cover your claim if you get into a crash with an uninsured motorist.

This means that your insurance is paying for those without coverage, and that cost then gets pushed onto the consumer by way of raised rates overall.

Who offers a continuous insurance discount?

The continuous coverage discount is fairly rare when compared to other loyalty discounts.

For example, looking through the major car insurance companies, only the list of Progressive discounts includes continuous coverage.

Progressive discounts and programs are extensive, so it is not a surprise that they offer this discount.

Progressive offers the continuous insurance discount in tiers based on how long you have maintained coverage. In addition, the longer you maintain your coverage, specifically with Progressive, the discount grows.

However rare the discount is, it can absolutely be a draw for those looking to switch car insurance providers.

If you are looking to change your car insurance and maintain a loyalty discount, find a company that offers continuous coverage as a discount option.

Now that you understand the continuous coverage discount, are you ready to find affordable car insurance? Enter your ZIP code below, and we will help you get a policy that fits your needs.

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