Shopping around for auto insurance in 2025 generally saves you more than relying solely on customer loyalty discounts, though loyalty can still offer some value.

• Loyalty discounts typically range from 5% to 20% of your premium, depending on the insurer and your state.

• These discounts increase the longer you remain with the same company, and may be paired with perks like accident forgiveness or priority claims service.

• Bundling multiple policies (auto, home, renters) can also yield savings of 5% to 25%, but this is often categorized separately from pure loyalty discounts.

• Some insurers require several years of continuous coverage before granting the highest loyalty discounts.

• Loyalty discounts do not guarantee the lowest rate. Insurers may still raise your base premium, sometimes offsetting the discount or even making your policy more expensive than competitors’ offers.

• Practices like price optimization mean companies may charge loyal customers higher rates, knowing they are less likely to shop around.

• Comparing quotes regularly can yield savings of 10%–30% or more, especially after rate hikes or life changes1112.

• Many discounts—such as for good driving, low mileage, or bundling—are available to both new and existing customers, and switching providers doesn’t mean losing access to these savings.

• In 2025’s competitive market, insurers are aggressively seeking new customers, often offering better rates to switchers than to long-term policyholders.

• Don’t rely solely on loyalty discounts for savings. They’re valuable, but not always the best deal.

• Compare quotes at every renewal to ensure your rate remains competitive, even if you’re happy with your current insurer.

•  Evaluate customer service, claims satisfaction, and coverage—not just price or loyalty perks.

Loyalty discounts can save you up to 20%, but shopping around almost always offers greater potential savings—especially in 2025’s high-premium, competitive market. Use loyalty rewards as a bonus, but don’t let them keep you from finding a better deal