Continuous Coverage Car Insurance Discount

A continuous coverage car insurance discount is just like it sounds. You are rewarded for keeping car insurance and not letting it lapse.

In most states, it’s illegal to drive without auto insurance so most drivers should qualify for this type of discount.

This is just one of the many discounts that most companies offer to help keep your rates low.

Although discounts can lower rates, it’s important to shop around for cheap car insurance to begin with.

Enter your ZIP code now to compare car insurance quotes and see who has the best continuous coverage discounts.

Why Continuous Coverage is Important for Car Insurance

What is continuous insurance coverage?

Continuous insurance coverage means not allowing your auto insurance to lapse or cancel without other coverage in place.

Companies will handle the discount differently. Some offer the same discount and others base it on certain factors.

For example, the continuous insurance discount from Progressive car insurance is determined by how long you’ve had coverage. Travelers auto insurance discounts include a 15 percent continuous coverage discount. Geico also offers a discount for continuous coverage.

Check out this table see discounts based on personal factors, including how long you’ve had continuous insurance coverage.

You can see from the table that a continuous coverage car insurance discount program is available through most companies. This is a good incentive to make sure your car insurance stays in effect.

According to the Insurance Information Institute, in 2015 about 13 percent of all drivers on the road didn’t have car insurance.

Since most states require drivers to carry at least minimum liability insurance, those drivers without insurance take a huge risk. Penalties include possible fines, driver’s license suspension, and jail time.

Insurance companies can also see you as a risky driver and require you to get high-risk car insurance if you’ve allowed your car insurance to lapse or cancel.

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Car Insurance Discounts to Ask For

Can you negotiate with auto insurance companies? Unfortunately, you can’t negotiate your rates, but you can ask about any hidden auto insurance discounts you aren’t currently receiving, like discounts for safety features if you have a newer car.

Although there are many discounts, six car insurance discounts you should ask about are:

• Safe driving
• Multi-car
• Multi-policy
• Low mileage
• Occupation
• Loyalty

The best way to find out what discounts are available to you is to shop around. Your car insurance policy renews every six months or year.

That is the perfect time to check to make sure your rates are still competitive.

Watch this video to learn more about car insurance discounts.

Other ways to save include keeping a good driving record and credit score. Also, speak with an agent to customize the coverages you need so you’re getting the best deal.

Now that you know more about car insurance discounts, compare quotes to get the best rates. Enter your ZIP code now to see if your continuous coverage can earn you a discount.