Continuous Coverage Car Insurance Discount

A continuous coverage discount can save you up to 15 percent for not having a lapse in auto insurance coverage, but not all companies offer it. Some companies also offer a discount for staying with them for an extended period of time. For example, Progressive loyalty rewards start at six months and increase for up to 20 years. Take advantage of continuous coverage car insurance discounts to save money on auto insurance.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Mar 31, 2021

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The Rundown

  • Continuous coverage discounts are for drivers who don’t pause or cancel their car insurance for a certain amount of time, usually five years
  • You can save up to 15 percent with a continuous coverage car insurance discount
  • Not all car insurance companies offer this type of discount

A continuous coverage car insurance discount is for drivers who don’t have a break in their coverage for a certain number of years. Not all auto insurance companies offer this discount, and the amount of the discount will vary by company.

Car insurance discounts are a great way to save money so it’s important to ask if you are eligible for them. To find affordable car insurance with a continuous coverage discount, shop around and compare quotes.

Enter your ZIP code now to compare car insurance rates with a continuous coverage discount to find the company that offers you the best deal.

What is a continuous coverage car insurance discount?

A continuous coverage discount is just like it sounds – you qualify for this discount on car insurance for keeping an active policy for a certain number of years with your provider.

You can expect up to a 15 percent discount on your car insurance rates, depending on the company. Since not every company offers this type of discount, you might have to shop around to find car insurance companies with a continuous coverage discount.

In addition to a continuous coverage discount, some companies offer an additional discount for staying with them. For example, Progressive loyalty rewards are based on the length of time you’ve been with the company.

The Progressive car insurance loyalty chart starts at six months with the company and goes up to 20 years. Each level offers different discounts. For example, the Progressive diamond membership offers large accident forgiveness and a teen driver discount after five years.

Why is a lapse in car insurance coverage a bad thing?

Most states require drivers to carry at least a minimum amount of liability car insurance to cover any damages if they cause an accident. If drivers don’t carry at least the minimum amount of car insurance required, they face possible fines, driver’s license suspension, and jail time.

According to the Insurance Information Institute, about 13 percent of drivers in the U.S. are uninsured, meaning they have let their auto insurance lapse or never had it, to begin with.

Many times car insurance companies wind up having to pay out if the other driver who caused the accident doesn’t have insurance. This causes car insurance companies to lose money and raise rates.

The continuous coverage auto insurance discount rewards those drivers that carry car insurance without having a lapse in coverage. However, there are times when a driver has a lapse in coverage and isn’t penalized. Some examples are:

  • You are in the military and did not need car insurance, such as with a deployment
  • You have been unable to drive for health reasons
  • You have not had a car and therefore did not need insurance
  • You are a newly licensed driver

Drivers who do have a lapse in coverage can build back up their car insurance history by maintaining their coverage. After a few years, they can then be eligible for this discount.

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Continuous Coverage Car Insurance Discount: The Bottom Line

Some car insurance companies offer a continuous coverage discount for drivers who don’t have a lapse in coverage. This discount varies by company, and not every company offers it.

Before you buy car insurance with a continuous coverage discount, shop around to make sure you are finding the best deal.

Enter your ZIP code now to compare car insurance quotes with a continuous coverage discount.

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