Did you know many auto insurance companies give you up to a 10% discount for starting your policy on a future date, instead of starting coverage immediately? Allstate Insurance offers a Future Effective Date Discount if you start your policy 7 days or more from the date you get a quote & pay for it. Travelers Insurance offers it, too, but they call it an Advance Issue Discount. Safeco Insurance, Erie Insurance, & Progressive Insurance call it an Advance Quote Discount or an Advanced Quote Discount. 21st Century Insurance calls it an Early Shopping Discount. Farmers Insurance calls it an Advanced Purchase Credit. This blog post will tell you what you need to know to make sure you get this often overlooked discount.

The amount of the discount may vary, and it may not be available in all states, or from every auto insurance group’s subsidiary company (For example some Progressive companies selling through independent agents may offer the discount, but it may not be available from Progressive when you buy direct from the company). The rules can be different, too. Some companies require you to start your policy 7 days in advance, and some 8 days or more, to get the discount. Some insurance companies offer it as a permanent discount, and some companies remove or reduce the discount after 6 months or a year.

No matter what the rules, it’s an easy way to earn a discount, so it’s a discount you want to get if it’s available to you.

However, when you contact an insurance company or agent for an auto insurance quote, you are often quoted the rate if you were to start the policy immediately, and not given the option to start the policy at a later date, to get the discount — and the lower rate.

How to get the Future Effective Date Discount, Advanced Quote Discount, Early Shopping Discount, Advance Issue Discount, Advance Purchase Credit, etc.

Many insurance companies these days offer a large discount if you start your policy at a future date. If you have auto insurance, shop for auto insurance a month ahead of your renewal, and have the insurance representative run the rates as of the renewal date. If the insurance company offers a future effective date discount, ask when you need to buy the policy to get the lowest rate.

For example, you call an insurance company for an auto insurance quote on September 30th to get a price for your October 30th auto insurance renewal. The agent tells you (when you ask about it) the quote includes a discount for setting up the policy to be effective at a future date, and you need to pay and start the policy a week ahead of the effective date of 10/30, so call no later than 10/22 to complete the application and pay to get the discount.

Make the most of the Prior Carrier Discount or Prior Insurance Discount, too.

You also should know many insurance companies give you a large discount or qualify you (where allowed by state law) for how long you have had continuous auto insurance coverage without a lapse, or how long you been insured with a particular company. Important milestones that often result in substantial savings are at 6 months, 1 year, 3 years, and 5 years.

If you will have 3 years of continuous insurance on your Oct 30 renewal date, you may get a much higher rates if you call for quotes on Sep 30 and do not request rates effective Oct 30.

Many insurance companies verify the length of your auto insurance history through consumer reports they order, but not all insurance companies report your history. Many insurance companies representatives (and insurance company websites) rely on the accuracy of these reports, and will most likely not ask you how long you have been insured. This is the case for me. I have over 5 years of continuous auto insurance, but 2 years ago, I was insured with a company that does not report my information. I have to tell agents to check my insurance history and manually update the information to get the lower rate for 5 years of continuous insurance coverage. If I take the policy, I will need to present the insurance company with proof of the insurance, which your prior company can easily provide you.

Getting quotes effective on your renewal date can help avoid missing the important milestone dates for lower rates, but not if you have had a small lapse in coverage due to a missed payment.

If you are in doubt about how long you have been insured, contact your prior insurance companies, or as you get quotes, ask if any lapse in coverage appears on your insurance history reports, so you know when to shop for lower rates.

If you want to keep your auto insurance rates low, never have a lapse in coverage — even 1 day can cost you — and never cancel your old auto insurance until your new auto insurance is effective.

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