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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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

  • 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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