Early-Signing Discount: How Much Can You Save?

The early-signing discount is designed to encourage drivers to maintain auto insurance. Allstate car insurance provides a discount of 10%, but early-signing insurance discount rates can vary by company. To qualify for the discount, you must renew your auto insurance policy at a set time, usually at least seven days before your existing policy ends.

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

UPDATED: Jun 27, 2022

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Can't-Miss Facts

  • The early-signing discount is offered to those who maintain auto insurance coverage
  • The amount of the early-signing insurance discount varies from company to company and how long you have maintained coverage
  • Many companies offer this discount, including Allstate and Progressive

If you are eager to save money on auto insurance, the early-signing discount may be for you. Keep reading to learn how to qualify for an early-signing auto insurance discount and which companies offer it.

Before you buy, compare early-signing discount auto insurance quotes from local companies with our free quote comparison tool. Enter your ZIP code above to get started.

How much is an early-signing discount?

Allstate car insurance offers a 10% driver’s ed discount, while Progressive states that their discount varies depending on how long you have maintained coverage.

Along with Progressive and Allstate Insurance, many more major providers offer early-signing discounts, including State Farm, Geico, and Nationwide. However, the amount of the discount varies between these companies, so compare quotes online before you buy to secure the cheapest driver’s ed discount car insurance rates.

How do you qualify for an early-signing discount?

The early-signing discount rewards you for renewing your auto insurance before your current policy ends. To qualify for the discount, all you need to do is sign up for a new policy before your current one expires.

This can be with your existing provider, or it can be offered when you are switching providers, so don’t forget to ask which auto insurance discounts you qualify for before you renew your policy.

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Why do companies offer an early-signing discount?

The purpose of the early-signing car insurance discount is to encourage drivers to maintain insurance without switching companies and to avoid auto insurance lapses. Unfortunately, many auto insurance gaps occur because drivers delay in purchasing a new policy or forget to renew.

Auto insurance lapses can have devastating effects on you as the driver. Driving without auto insurance is actually illegal in most states, so you can be looking at a ticket if you are pulled over without up-to-date coverage.

In addition, a lack of coverage can be expensive.

If you should get into an accident without insurance and are found at fault, you will be liable for all repair costs and medical costs. These repairs can easily cost thousands. For many people, this single event can wipe out savings and leave you without a car all at once.

To this end, we recommend that you take advantage of the early-signing discount and maintain coverage even when you switch providers.

Ready to buy auto insurance? Start comparing affordable early-signing discount auto insurance quotes with our free comparison tool below. Enter your ZIP code now to get started.

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