Loyalty Car Insurance Discount
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Feb 3, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car 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.
- Loyalty discounts are exactly what they sound like.
- You can save an average of 6 percent just by being loyal to your provider.
- GEICO offers the best insurance loyalty program.
- Don’t let a loyalty program keep you locked into a bad insurance plan.
We all want cheap car insurance, and loyalty reward programs get you discounts on your car insurance rates for staying with the same insurance provider long-term. These loyalty car insurance discounts encourage you to stick around, which makes your provider more money.
Do all providers have a loyalty discount? Does yours? Read on to learn more, but before you do, enter your ZIP code to compare the best car insurance quotes from multiple providers for free.
Is there a customer loyalty discount for car insurance?
Yes, car insurance loyalty programs exist. Most car insurance companies offer one of some kind.
These programs usually work in your favor. Read on to learn more about the loyalty discount, which companies offer the best insurance loyalty programs, and when staying with the same insurance provider may not be the best idea.
How much can you save with a car insurance loyalty discount?
Every car insurance provider will have a different policy when it comes to loyalty discounts.
But here are some of the best insurance loyalty programs we found:
|Provider||Potential Loyalty Discount|
Get Your Rates Quote Now
On average, you can save around 6 percent on your car insurance just by sticking with the same provider.
How do loyalty car insurance discount programs work?
Loyalty programs are pretty straightforward. To qualify for one, you usually have to sign up for the loyalty program. This is often as simple as selecting the loyalty discount from your provider’s list of available discounts.
Once you’re signed up, the clock starts counting. You won’t start seeing any actual loyalty discounts until you’ve been with your insurance provider for a certain amount of time.
Different providers will have different time requirements before they will offer a loyalty discount. Some providers may even have tiered discounts. This means that you might get a 5 percent discount after two years with them but a 10 percent discount after four years.
Which companies have the best loyalty discounts?
Which car insurance company is cheapest? Most will offer some kind of loyalty discount. To see what kind of loyalty discount your insurance company offers, check out their list of discounts.
Some car insurance providers with the best insurance loyalty programs are:
- State Farm
- American Family
You can also reach out to one of their representatives.
Are loyalty car insurance discounts always worth it?
Loyalty programs are designed to encourage you to stick with the same insurance provider long-term. Many drivers won’t shop around for car insurance when they know they are getting a discount just for staying with the same provider.
But what was a good deal last year may not be the best deal this year. Major life changes (like buying a home, getting married, switching careers, having children, etc.) could make your car insurance rates increase. You might qualify for a better insurance rate from a different provider.
Ready to buy car insurance? It’s always best to compare car insurance rates from multiple insurance providers to ensure you find the most affordable car insurance for you.
Frequently Asked Questions
- How Much Does Car Insurance Cost?
- Cheap Car Insurance: Myth or Reality?
- Will a Speeding Ticket Raise My Car Insurance Rates?
- Car Insurance Rates 2018: Why are Prices Increasing?
- How Much Does Car Insurance Cost for a 16 Year Old?
- Which Cars are Cheapest to Insure?
- Does a Teenager with a Learner’s Permit Need to be Listed on my Policy?
- View All Coverage Questions
Popular Rate Quotes
- Chevrolet Silverado Insurance
- Ford F-150 Insurance
- Ford Explorer Insurance
- Toyota Camry Insurance
- Toyota Corolla Insurance
- Kia Forte Insurance
- Chevrolet Impala Insurance
- Toyota Sienna Insurance
- Honda Civic Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area