Early Signing Car Insurance Discount

An early signing car insurance discount may be recieved if you renew your auto insurance policy early. This is a rare discount only offered through certain companies, but read on to learn more about finding car insurance quotes with an early signing discount. Currently, monthly auto insurance rates can be around $78/mo. Car insurance rates with an early signing discount may be less.

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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...

  • Signing up for your auto insurance policy in advance can qualify you for an early signing car insurance discount.
  • Early signing discounts may be around 15 percent.
  • The discount may depend on how early you sign your required documents.

When it comes to your auto insurance policy, you’ll likely want to save money in any way that you can. If you want cheap car insurance, you’ll be glad to know there are many car insurance discounts available that you may be eligible for.

Can you get a discount car insurance rate for signing early? Yes, one discount is the early signing car insurance discount. If you sign up for you auto insurance policy in advance, you could be eligible for an early signing car insurance discount.

Several top auto insurance companies offer an early signing discount, which we’ll discuss in this article. After learning about the early signing discount and other auto insurance discounts, you can compare car insurance quotes by using our helpful comparison tool.

What is an early signing discount?

If you like your current auto insurance company and plan on renewing, then you may want to go ahead and renew early. Not waiting until the last minute to renew your policy could score you a discount on your car insurance premium.

Companies have different policies regarding the time frame in which you need to sign up to qualify for an early signing discount. Allstate, for example, requires you to sign your documents seven days before the policy goes into effect in order to receive the discount.

An early signing discount isn’t offered by many companies, but it’s worth looking into, as it can save you significantly on your car insurance rates. Learn about exactly how much you can save in the section below.

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How Much You Can Save

The exact amount of your discount can greatly depend on your auto insurance company. Some discounts can be a low as three percent, while some go as high as 15 percent.

The amount of your discount can also depend on how far in advance you sign up for your policy. Ask an agent from your company about the early signing discount policy to get the best information.

Companies That Offer an Early Signing Discount

While early signing is a less common auto insurance discount, it is available through several top companies. Allstate, Esurance, Farmers, Geico, Nationwide, Progressive, Travelers, and USAA all offer an early signing discount.

The table below provides a complete list of companies that offer an early signing car insurance discount.

Early Signing Car Insurance Discount Availability
CompanyEarly Signing Discount Available
21st CenturyYes- n/a
AllstateYes- 10%
American FamilyYes- n/a
Country FinancialYes- 10%
EsuranceYes- 10%
FarmersYes- n/a
GeicoYes- n/a
Liberty MutualNo
MetLifeYes- 15%
NationwideYes- 8%
ProgressiveYes- n/a
Safe AutoNo
SafecoYes- 8%
State FarmNo
The GeneralNo
The HanoverNo
The HartfordYes- n/a
TravelersYes- 10%
USAAYes- 12%
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However, the exact amount of the discount can vary depending on many factors, as mentioned above.

Don’t fret if your auto insurance company doesn’t offer an early signing discount, because there are many more discounts out there. Read more about the discounts available in the section below.

Other Car Insurance Discounts

You’ve probably seen online articles with headlines like “Six car insurance discounts you should ask about,” but there are many more than just six.

It’s important to stay aware of all the discounts, as there may be some hidden auto insurance discounts that you haven’t thought of.

In addition to early signing, there are several other policy-based discounts that you may want to take advantage of, including continuous coverage discounts and full payment discounts. These types of discounts can garner up to 15 percent off your premium in some cases.

This video from Shine Insurance goes over some of the most commonly available car insurance discounts.

Discount car insurance may also be available based on your occupation. Eligible occupations for lower auto insurance rates include doctors, nurses, scientists, teachers, firefighters, military personnel, and more. Your company may even offer a car insurance discount for CDL holders.

With the ongoing coronavirus pandemic affecting many people financially, some companies are offering even greater car insurance discounts. Some of these discounts come in the form of premium refunds, while some companies are extending their deadlines for payment.

Companies currently offering relief due to the coronavirus pandemic include Geico, State Farm, Progressive, and more. Be sure to contact your insurance company and inquire about any carinsruance discounts for coronavirus that might exist.

There are also many other ways to save money on car insurance that you may not have thought of. If you install an anti-theft device on your vehicle, you may be entitled to a discount with some companies.

If you’re also in need of life and/or home insurance, you may be able to bundle them with the same company and receive a multi-policy discount.

Many of the companies in the chart above offer similar discounts.

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How to Get Discounts on Car Insurance

The best way to get discounts on car insurance is to look over the list of discounts we’ve provided above and determine which ones you might qualify for. Then, contact you auto insurance company and inquire about said discounts.

Insurance rates and discounts can be based on a number of factors, including your age and the type of vehicle you drive. All these factors should be considered when you begin looking for an auto insurance policy, so you have an idea of how much you should be paying.

Ready to buy car insurance with an early signing discount? Be sure to use our comparison tool for affordable car insurance with an early signing car discount.

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