Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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

UPDATED: May 27, 2021

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Key Takeaways

  • Many companies offer an early signing discount if you renew or sign up for car insurance a week before your current policy ends
  • Discounts and requirements will vary by company, but you can save up to 15%
  • Allowing your car insurance to lapse will result in higher car insurance rates and possible fines

Car insurance companies offer you an incentive to renew your policy or sign up for a new policy before your current policy ends. An early signing discount will save you money and make sure you avoid allowing a lapse in car insurance.

The discount amount and requirements will be different for each company. Shop around to find the most affordable car insurance with an early signing discount by comparing rates and discounts from various companies.

Enter your ZIP code now to compare car insurance quotes with an early signing discount from multiple companies near you for free.

What is an early signing discount?

Many companies will offer you a discount if you either renew your car insurance or sign up for a new policy before your current policy expires. This early signing discount can be an incentive to stay with your car insurance company, or an incentive to switch.

Although you can receive up to a 15% discount, discount amounts and requirements will vary by company.

An early signing discount is an easy way to save on your car insurance. Renewing your car insurance in a timely manner helps keep your rates low. Car insurance companies want to know that you have had continuous coverage, otherwise, your rates will go up.

The early signing also helps you avoid a lapse in your car insurance. Since most states require you to carry auto insurance, you will face serious penalties if you drive without car insurance.

Around 13% of drivers are uninsured, according to the Insurance Information Institute. In addition to higher insurance rates, you can face fines, driver’s license suspension, and possible jail time if you choose to let your car insurance lapse and still drive.

Simply by renewing your policy, you can avoid legal problems and keep your car insurance rates low.

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What car insurance companies offer an early signing discount?

Car insurance discounts are a great way to lower your rates, and most companies offer many different types of discounts and allow you to combine them for the most savings.

Many car insurance companies offer an early signing discount since it benefits them to keep you as a customer.

This table shows you which companies offer the discount. If the amount of the discount is known, it is listed.

Early Signing Car Insurance Discount Available By Company
CompanyEarly Signing Discount Available
American FamilyX
Country FinancialX
Liberty MutualX
The HartfordX

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Each company will offer a different discount amount. For example, the Allstate car insurance early signing discount will be different than the discount offered by GEICO.

The requirements will also vary by company. Allstate insurance requires you to renew or sign up for your policy at least seven days before your old policy ends in order to receive the discount, but other companies may have different rules.

Early Signing Discount: The Bottom Line

You can save up to 15% on your car insurance with an early signing discount. Discount amounts and requirements will vary by company, but many companies will allow you to bundle this discount with others for even bigger savings.

Before you buy car insurance with an early signing discount, shop around and compare offerings from different companies to find the cheapest coverage.

Enter your ZIP code now to compare car insurance rates with an early signing discount for free.