What’s an early signing discount? How do I get it?

If you renew your policy before your old policy expires, you may be eligible for an early signing discount. You can save up to 15% off your rate with an early signing discount. For example, Allstate's early signing discount allows you to save 10% off your rate. You usually need to renew your policy at least one week before your old policy expires to be eligible.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

What You Should Know

  • If you renew your policy or buy a new policy with your current provider before your old policy expires, you can receive an early signing discount
  • Most companies stipulate that you must sign your new policy at least a week before your old policy expires
  • You can save as much as 15% on your rate with an early signing discount

If you’re interested in finding auto insurance quotes online, you’re probably wondering what discounts are available. But did you know some companies offer an early signing auto insurance discount?

If you already have auto insurance, your provider may offer new auto insurance rates with an early signing discount if you renew your old policy or buy a new policy before your current policy ends. With an early signing discount, you may not need to switch providers.

Keep reading below to learn what an early signing discount is, which providers it, and how much you can save. First, enter your ZIP code into our free comparison tool above to affordable auto insurance with an early signing discount.

What is an early signing auto insurance discount?

So what exactly is an early signing discount? Well, as we mentioned earlier, an early signing discount is only offered when you are renewing or purchasing a new policy with your current provider.

The reason some companies offer an early signing discount is to incentivize you to remain with your current provider. You have to sign your new policy at least a week before your current policy ends to earn the discount.

If you’re switching to a new provider or signing up for auto insurance for the first time, you won’t be eligible for an early signing discount.

However, even with an early signing discount, you may be paying more than you need to for auto insurance. Compare auto insurance quotes with an early signing discount from multiple companies to find the best deal.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Which providers offer an early signing discount?

Finding an auto insurance company with an early signing discount doesn’t have to be hard.

Many of the best auto insurance companies offer an early signing discount. Check out the table below to see a rundown of discounts offered by top auto insurance providers.

Auto Insurance Discounts Available by Company
Discounts21st Century Discounts OfferedAAA Discounts OfferedAllstate Discounts OfferedAmerican Family Discounts OfferedAmeriprise Discounts OfferedAmica Discounts OfferedCountry Financial Discounts OfferedEsurance Discounts OfferedFarmers Discounts OfferedGeico Discounts OfferedLiberty Mutual Discounts OfferedMetLife Discounts OfferedNationwide Discounts OfferedProgressive Discounts Offered
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Claim Free
Continuous Coverage
Daytime Running Lights
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Electronic Stability Control
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Forward Collision Warning
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Green Vehicle
Homeowner
Lane Departure Warning
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newer Vehicle
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Utility Vehicle
Vehicle Recovery
VIN Etching
Volunteer
Young Driver
Get Your Rates Quote Now
Compare RatesStart Now →

What discounts does Allstate offer? What discounts does Progressive offer? Check them in the table below. As you can see, both companies offer an early signing discount, among others.

Of course, each company will have different rules regarding when you can earn the discount and how much the discount will be. The Insurance Information Institute recommends you compare auto insurance rates from at least three different companies to find the best deal.

How much is an early signing auto insurance discount?

So, how much is an early signing auto insurance discount anyway? Well, the size of the discount will vary from company to company, but generally, you can see discounts as low as 3% or as high as 15%.

For example, the early signing discount Allstate offers is about 10% off your auto insurance rate. Compared to Nationwide, which only offers 8% off your rate, Allstate may seem like the better buy. However, you should compare all discounts before making a decision.

While the Allstate insurance early signing discount may be bigger, they may not offer other discounts you’re looking for. This is why it’s always important to compare auto insurance companies before you buy.

Now that you know all about early signing auto insurance discounts, start shopping today. Enter your ZIP code into our free comparison tool below to buy auto insurance with an early signing discount.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption