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 insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jul 18, 2021

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Just What's Essential

  • Drivers qualify for continuous coverage discounts when they renew their policy with their existing provider.
  • Continuous coverage discounts can save you 15% or more on car insurance, especially if you are a Progressive Loyalty Rewards member.
  • American Family Insurance, Travelers, and Farmers Insurance all offer a type of continuous coverage car insurance discount.

Asking about discounts is one of the easiest ways to find more affordable car insurance. The most common car insurance discounts fall into one of these five categories:

  • Driver safety discounts
  • Driver status discounts
  • Vehicle discounts
  • Policy discounts
  • Usage-based discounts

In this guide, we are going to discuss policy discounts, specifically how you can save on car insurance with a continuous coverage discount. This type of auto insurance discount is only available to policyholders who renew their coverage with the same car insurance company.

Continuous coverage discounts are providers’ way of rewarding their loyal customers. For example, the Progressive Loyalty Rewards program offers a variety of discounts and bonuses as customers renew their policies and level up. 

But you don’t need to have a Progressive Diamond Membership to qualify. Most insurance providers offer some kind of continuous coverage discount for renewing your policy. Enter your ZIP code now to find an affordable car insurance company near you.

What is a continuous coverage discount?

In an industry where shopping around and switching to save is increasing at a higher rate, insurance companies want to reward the policyholders who stick with them.

A continuous coverage car insurance discount is a loyalty reward for customers who continue to renew their policies with the same provider. Ask your agent if you qualify for this discount before you decide to buy car insurance from another company.

Which car insurance companies offer a continuous coverage discount?

Most of the well-known insurance companies offer a continuous coverage discount on car insurance, including:

  • Allstate
  • American Family
  • Farmers
  • Progressive
  • Travelers

The Progressive car insurance loyalty chart is one of the most well-known examples of continuous coverage discounts. With it, Progressive rewards customers with various discounts and accident forgiveness for each tier reached as policies are renewed after one year, five years, ten years, and up to twenty years. Read our Progressive car insurance review to learn more.

Be aware that not all auto insurance companies may be that organized when it comes to car insurance discounts, but drivers can expect most providers to offer some kind of continuous coverage discount for renewing a policy.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How much will I save with a continuous coverage discount?

You can expect to get up to 15% off your car insurance premiums on average with a continuous coverage discount. Of course, depending on your driving record and who your policy is with, you may get a bigger or smaller discount. 

With Progressive, you get continuous coverage discounts along with accident forgiveness and teen driver discounts the more you climb the loyalty ladder. With American Family Insurance, your continuous coverage discount depends on how long you’ve been with the company.

How to Get Cheap Car Insurance With a Continuous Coverage Discount

Sticking with the same insurance company pays. You may qualify for up to 15% on your car insurance rates by simply renewing your policy with your current provider. 

Find out if your current provider offers a continuous coverage discount, then shop around to see if they are offering competitive rates. Start now with our comparison tool below and get free car insurance quotes from local companies.