In a world where switching services is just a click away, it might surprise you to learn that sticking with your auto insurance provider can actually lead to significant savings. At Riseson Insurance , we help drivers across Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler take advantage of loyalty discounts — one of the easiest ways to lower your car insurance premium.

A loyalty discount is a reward offered by many auto insurance companies to long-term customers. The longer you stay with your insurer (often a few years or more), the more likely you are to qualify for this discount. It’s a way insurers say “thank you” for your continued business.

While the exact savings vary by carrier, most loyalty discounts range from 5% to 10%, and in some cases even more. Some insurers offer tiered discounts, meaning your discount increases the longer you stay.

For example:

After 3 years: 5% discount After 5+ years: 10%+ discount

These savings add up over time, especially when combined with other eligible discounts.

You may qualify for a loyalty discount if:

You’ve been insured with the same company for a minimum period (usually 2–3 years) Your policy has remained in good standing You have minimal claims or violations

If you’ve moved to Phoenix, Scottsdale, or Tucson from out of state, transferring your long-term insurance history to a local provider through Riseson Insurance may still help you qualify for loyalty-related savings.

As a local, independent agency , Riseson Insurance works with multiple top-rated carriers — which means you get the best of both worlds: the convenience of local service and access to loyalty discounts from trusted national providers.

Whether you’ve lived in Gilbert your whole life, just moved to Tempe for school, or are raising a family in Chandler, we’re here to help you make sense of your options and keep your coverage affordable.

Loyalty discounts are often just the beginning. You may also qualify for:

Good Student Discounts Low-Mileage Discounts Safe Driver Rewards Multi-policy Discounts ( Bundle Home & Auto ) Defensive Driving Course Savings

We’ll help you combine these discounts to maximize your benefits without sacrificing coverage.

If you’ve been with your insurer for several years — or are looking for a new insurance provider who values long-term customers — we’re here to help. Call Riseson Insurance at 602-460-5470 to help you find a policy that rewards your loyalty and keeps more money in your pocket.

What Is a Loyalty Discount?

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• After 3 years: 5% discount
• After 5+ years: 10%+ discount

• You’ve been insured with the same company for a minimum period (usually 2–3 years)
• Your policy has remained in good standing
• You have minimal claims or violations

• Good Student Discounts
• Low-Mileage Discounts
• Safe Driver Rewards
• Multi-policy Discounts ( Bundle Home & Auto )
• Defensive Driving Course Savings