Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: May 13, 2021

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Key Takeaways

  • Continuous coverage discounts are offered to drivers who don’t allow their car insurance to lapse
  • Most car insurance companies offer a continuous coverage discount, but some require you to keep coverage with only them to qualify
  • Discounts can be up to 15% and can be bundled for more savings

If you don’t have a lapse in car insurance, you may qualify for a continuous coverage discount. Most car insurance companies offer this type of discount and allow you to combine it with other discounts for more savings.

Discounts and rates will vary by company so shop around to find the most affordable continuous coverage discount car insurance. Compare quotes from different companies to see who can offer you the cheapest coverage.

Enter your ZIP code now to compare continuous coverage discount car insurance rates from companies near you for free.

What is a continuous coverage discount given for?

Continuous coverage is just like it sounds. It means that you have not let your car insurance lapse and have maintained coverage for a period of time. You can qualify for continuous coverage discount car insurance if you make sure your policy renews on time and keep payments up to date.

According to the Insurance Information Institute, almost 13% of drivers in the U.S. are uninsured, meaning they either have never had car insurance or have let it lapse.

What happens when auto insurance lapses? Driving without car insurance can lead to fines, driver’s license suspension, and possible jail time. Not to mention, your auto insurance rates will skyrocket.

Although there are some acceptable reasons for allowing your car insurance to lapse like a military deployment, it might be easier, in the long run, to maintain some sort of minimum car insurance just to avoid a lapse.

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What companies offer a continuous coverage discount?

Many car insurance companies offer discounts if you have had continuous coverage, even if it isn’t with them.

This table shows you continuous coverage discount car insurance companies that offer you a discount for maintaining your car insurance. If the amount of the discount is known, it is added.

Continuous Coverage Car Insurance Discounts Available By Company
CompanyContinuous Coverage Discount Available
21st CenturyX
American FamilyX
Country FinancialX
Safe AutoX
The HanoverX
The HartfordX
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Many companies let you bundle your discounts if you qualify for more than one. Multiple discounts can lead to big savings.

Some companies award discounts based on the length of time you’ve had coverage, such as Progressive loyalty rewards.

The Progressive car insurance loyalty chart shows discounts based on how long you’ve been with Progressive or had coverage in general. For example, the Progressive Diamond membership is available to drivers who have been with Progressive for five years or more.

The Silver, Gold, and Platnum levels offer discounts for having continuous coverage not necessarily with Progressive.

Continuous Coverage Discount: The Bottom Line

Many different companies offer a discount for maintaining your car insurance without a lapse, but each company will offer a different discount amount.

Before you buy continuous coverage discount car insurance, shop around to see which company can offer you the highest discounts and the cheapest rates.

Enter your ZIP code now to compare continuous coverage discount car insurance quotes from multiple companies for free.