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On-Time Payments Car Insurance Discount

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2021

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Key Takeaways

  • On-time payments car insurance discounts benefit drivers that pay their premiums on time
  • Some companies offer up to 15% off of car insurance rates for on-time payments
  • On-time payments car insurance discounts are offered by some of the top car insurance companies

Finding cheap car insurance that is a good fit for you is a challenging task. Fortunately, most car insurance companies include in their offerings a wide variety of discounts that reduce your monthly car insurance rates.

If you are diligent in making your monthly payments before the deadline, you may qualify for an on-time payments car insurance discount. This discount reduces car insurance rates for drivers that are on-time with making payments.

Car insurance quotes with an on-time payments car insurance discount will be cheaper than generic quotes. Enter your ZIP code into our free online tool for instant, affordable car insurance quotes in your area.

What is an on-time payments car insurance discount?

Can you really save money just for punctual payments? Yes, affordable car insurance with an on-time payments car insurance discount is possible.

On-time payments car insurance discounts are what they sound like: discounts that benefit drivers that consistently pay off their premiums on time. Insurers want to reward drivers who promptly pay their premiums because it eliminates the hassle surrounding late payments.

Drivers that pay their monthly premiums on time are viewed by insurance companies as more responsible and are therefore less likely to inconvenience the company through accidents or late payments.

Similarly, maintaining a good credit history helps in reducing your car insurance rates. The Insurance Information Institute states that people who successfully manage their credit make fewer insurance claims, which leads to lower car insurance premiums.

If you are wondering how to lower car insurance rates and find the best car insurance by state, asking about the discounts available to you is a great place to start.

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Which companies offer on-time payments car insurance discounts?

If you decide to purchase more than basic liability insurance, making your car insurance payments on time can keep your premiums at a reasonable rate. On-time payments discounts are not as common as some, but they are available at a few top car insurance providers.

What does liability insurance cover? Many claims including physical injuries to other people, pain and suffering, lost wages, damage to other people’s property, and legal costs to defend yourself as the result of an automobile accident.

Before you buy car insurance with an on-time payments car insurance discount, you need to know the companies that offer on-time payments car insurance discounts. They include:

  • Allstate
  • Safe Auto
  • The Hartford
  • Travelers

Each company has its version of an on-time payments discount, but they are essentially the same.

For instance, Travelers promotes a 15% good payer discount for consistently paying your premiums on time. At the same time, Allstate has a responsible payer discount for drivers without a cancellation notice for non-payment in the last year.

If your car insurance provider does not offer an on-time payments discount, do not hesitate to discuss your other options before you buy car insurance. There may be some hidden auto insurance discounts, ones that are not openly promoted, that you are eligible to receive.

Do you think you qualify for an on-time payments car insurance discount? Enter your ZIP code into our free online tool for instant car insurance rates from providers in your area.

Free Auto Insurance Comparison

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

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