Here is a discount you earn with a calendar. Quote your new policy at least seven days before it needs to start, and — provided you currently have insurance with no lapse in coverage — the policy may qualify for an early shopping discount.
The part almost nobody tells you: qualification is based on when the policy is quoted, not when it's purchased. Getting a quote a week out costs you nothing and commits you to nothing — and it's what makes the discount available.
Why this discount exists: people who arrange coverage ahead of time tend, as a group, to be lower-risk customers than people who buy it the day it's required — and pricing reflects that.
Your renewal letter arrives three weeks before your policy expires, and the premium has jumped enough to annoy you. You call us that week. Because you're quoting more than seven days before you'd need the new policy to start, and your current coverage is still in force with no lapse, the quote can include the early shopping discount. You take a few days to think it over, compare it against your renewal, and buy it the following Tuesday — the discount is unaffected by the wait, because eligibility was set by the quote date, not the purchase date.
