Continuous Insurance Discounts Explained

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Many businesses, including car insurance companies, like to reward customer loyalty. For an insurance company, a consistent coverage history is a sure sign that a driver is a safer risk than someone who has spotty and fragmented coverage. Most companies reward their customers for this by giving them a continuous coverage discount. Before switching your insurance coverage, find out the benefits of sticking with the same car insurance company.

How Much Can You Save With a Continuous Coverage Discount?

If you’ve been with the same car insurance company for a while, chances are the company you use for car insurance gives you some kind of discount for your years of loyalty. This is in the form of a continuous coverage discount that can usually save you between 10% to 15%.

Who Is Eligible for a Continuous Coverage Discount?

This discount is specific to who can claim it, and not just anybody on an insurance policy is eligible. See below for an explanation of policy eligibility and who gets the discount.
Primary Insured: When it comes to your insurance policy, the person who owns that policy is the one who receives the credit for years of loyalty. This also extends to the spouse of partner of the person who had the policy to begin with and is also considered a primary insured.
Young Drivers: If you have a teenager at home, then chances are you’ll add them to your insurance policy when they get a license. Even after they go off to college, your kids can remain on your car insurance.
The plan of many parents is that eventually their children will purchase a policy of their own. When this happens, they will be starting at zero when it comes to length of coverage, even though they had coverage under your policy.
Adult Drivers: Even an adult child or other adult family member who lives in your home can be on your policy. Most insurance companies actually require anyone living in your home to be listed on your car insurance if they have access to your vehicle.
When these adults get coverage of their own, they will be starting at zero in terms of continuous coverage. It is important that drivers get established with their own insurance policy as soon as they can. It can cause problems when trying to transition to a policy if they wait to do so until after a certain age.

Why You Might Want to Switch Car Insurance Companies Anyway

The main benefit of a continuous coverage discount is the money that it saves you. This still shouldn’t stop you from shopping around to see if you can find a better rate elsewhere. Many experts recommend that drivers shop around for car insurance every three to five years. Some recommend doing so even sooner.
Unless you have other discounts through your car insurance company, such as a multi-policy or bundling discount, then changing to a different company might be a great way to save money. In fact, switching car insurance can save you up to 105 to 40%, or more, depending on your particular circumstances.
The best times to switch car insurance companies is when you get married, buy a new home, graduate college, or other life changes. Most importantly, ask your current insurance company if they can match the deals you’ve found from other companies. Who knows? Maybe they will, which allows you to save and still keep your continuous coverage discount intact, too.

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