Save More with a Claims-Free Discount

July 28, 2025 | Insurance

If you’ve gone years without filing an insurance claim, it’s time to be rewarded for your safe habits. At Riseson Insurance, we help clients take advantage of every possible savings opportunity — and one of the most valuable is the claims-free discount.

Whether you're a careful driver or a responsible homeowner, a clean claims record can mean serious savings on your premiums.

A claims-free discount is a reward given to policyholders who haven’t filed a claim within a specific time period — often 3 to 5 years. Insurance companies view you as a lower risk and offer discounted rates as a result.

This discount can apply to:

Auto Insurance Homeowners Insurance Renters Insurance Condo Insurance

Savings vary by policy and provider, but customers with a clean history may save up to 20% or more on their premiums. Combined with other discounts like bundling or safe driver programs, the claims-free discount can make a major impact on your monthly bill.

Navigating insurance discounts can be confusing. As a local agent, Riseson Insurance takes the guesswork out of the process. We work one-on-one with you to:

Review your claims history Identify all available discounts Customize coverage that fits your life and your budget

We proudly serve clients throughout Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler. Whether you’re shopping for new coverage or reviewing an existing policy, our team is here to help.

Want to see if you qualify for a claims-free discount? Call us today at 602-460-5470 or stop by for a free policy review.

At Riseson Insurance, we believe in rewarding safe habits — and saving you money every step of the way.

What Is a Claims-Free Discount?

How Much Can You Save?

Why Work with a Local Agent?

Contact Riseson Insurance Today