Continuous Coverage Car Insurance Discount

A continuous coverage car insurance discount is offered by most insurance companies and can be around 15 percent. Letting your car insurance lapse will cause you to have higher rates. Other auto insurance discounts to ask for are good driver, multi-car, and loyalty discounts. Ask your agent about any hidden auto insurance discounts that might be available to you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 7, 2021

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Here's What You Need to Know

  • Continuous coverage means not letting your car insurance lapse
  • Most companies offer a discount for keeping auto insurance current
  • This type of discount can be bundled with others like loyalty or safe driver discounts

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.

Car Insurance Personal Factor Discounts Offered by Insurance Companies
Personal Car Insurance
Discounts Offered
21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Newer Vehiclexxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Federal Employeexxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newly Licensedx
Occasional Operatorx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Recent Retireesxx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Young Driverxxxxxx
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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.

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