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