Advance Purchase Discount

2018 08 07 Discounts Calendar Focused On Date

The Advance Purchase Discount

You can get the Advance Purchase Discount by giving us a heads up before you need your car insurance to start. This means you are shopping early for your insurance, and have some leeway before your current policy expires or ends. The early bird gets the worm, right?

How Much Notice is Needed?

To be eligible for this discount, we only ask for seven days notice (or more, for our big planners out there!). Most people will know more than seven days in advance if you need car insurance or are switching providers, so this is a pretty easy discount that can have a big effect on your rate. We like to reward those more responsible drivers who are planning ahead, and this early payment discount does just that.

Your Savings with the Advance Purchase Discount

The first year you’ll save up to 10% with the Advance Purchase Discount. But like a couple other discounts, this one will change over the life of your policy.

Each year it will go down slightly, and by your fifth year with Say, the discount will be gone. Don’t worry though, because every six-month renewal with us you’ll be getting 50 Say Score points added to your Say insurance score. Those points should be helping to boost your insurance score and lower your rate. You probably won’t even notice as this discount slowly fades.

How to Get Say’s Advance Purchase Discount

This is an easy one! When you're going through the quote process you'll put in the date you need your coverage to start. As long as you select at least seven days from the day you quote, you'll have the discount rolled into your rate. We’ve put a discount reminder in the quote process so you won’t miss out on this easy savings.

Say States Offering the Advance Purchase Discount

Luckily, this discount is offered in every single Say state! That means customers in the following states are eligible for the Advance Purchase Discount:

  • Colorado
  • Illinois
  • Kansas
  • Missouri
  • Tennessee

What Proof is Needed for the Discount?

You won’t need to show any proof or documents to get this discount. You only need to have had insurance up until your purchase with Say to be eligible.

We do check out your current coverage status. When you enter your information into the quote process, we'll get a standard consumer report to look at your history. As long as it shows you have current insurance, you'll be good to go and will have this rolled into your rate.

Exceptions to Current Insurance

There are a few exceptions for those who don’t have current insurance. You are still able to get the Advance Purchase Discount if you don't have insurance at the time of the transfer to Say for good reason. Some reasons could be:

  • You’re in the military and just now needing car insurance
  • You haven’t needed a car for the past few years and are just now getting one
  • You haven’t been able to operate your car for a health-related reason

Besides some of those extenuating circumstances, you’ll likely have had car insurance prior to your move to Say and get to reap the benefits with this discount.


Next Step: Get a quote and check out if you can save with Say

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