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What is a future effective date and how does it make my car insurance cheaper?
I am car shopping and the insurance agency told me that if I set up a new policy with a future effective date, I could get a discount. What does this mean?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Some insurance companies offer a policy discount if you pay for the policy before you need the coverage to go into effect—usually between 10 and 30 days, depending on the company.
If you know the date when you will be taking ownership of the new car, you can set up the policy ahead of time.
Pro tip: This discount can also apply at your policy renewal if you are shopping for
car insurance quotes online
and looking to switch insurance carriers. Check with your insurance agent to see if you qualify for this discount.View full answer
- Gregory R.
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