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: Aug 11, 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 frequently offer incentives 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 a lapse in car insurance. Of course, some companies encourage drivers to put their insurance policy on autopay with automatic renewal. They may even offer discounts for this.

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. Both require you as the insured to take some action. You have to actively choose a certain company and confirm your insurance premiums.

Although you can receive up to a 15 percent 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. Safe drivers may be more likely to also qualify for other discounts.

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.

Is It Worth Getting An Early Signing Discount?

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.

If you’re considering switching insurance companies, this gives you the opportunity to consider your options. Get a few quotes. See the difference early signing auto insurance discounts can make. Combine this with discounts on things like anti-theft devices and anti-lock brakes. Then you can see if you’re getting the best deal with your current insurer or if you want to switch.

Of course, the price tag isn’t the only factor drivers consider. If you’re happy with your current insurer, setting up automatic payments can make the process easier for you. You just enter your payment information once, and they bill you on the same day each month.

If you’re shopping for a new auto insurance company, it’s easy. Enter your ZIP code now to compare car insurance rates with an early signing discount for free. We’ll calculate in things like accident forgiveness and any student discount. Safe drivers will have more affordable options. But drivers with blemished records can still get affordable rates without sacrificing coverage.

Some people choose to switch to get a better insurance cost. Others switch after filing an insurance claim because they’re dissatisfied with the process. Some find there are better safe driver discounts somewhere else. Whatever the case for you or the types of coverage you need, just let us help you find the auto insurance rates that make sense for you. If you’re looking for homeowners insurance or flood insurance, you can also get quotes online.