If you're the kind of person who likes to get things done ahead of time, your proactive habits could be saving you more than just stress—they could be saving you money on your insurance. Enter the Early Shopper Discount, an often-overlooked way to cut costs on your home , auto , or renters insurance policy.

The Early Shopper Discount rewards customers who start shopping for a new insurance policy before their current one expires. Insurance companies love proactive customers, and they’re willing to pass on real savings if you request a quote and bind your policy a certain number of days before your current policy’s renewal date.

Every insurance carrier has its own criteria, but typically, you could qualify for an early shopper discount if:

You request a quote 7 to 30 days before your current policy ends. You bind the policy before the expiration date of your current coverage.

Shopping early shows responsibility and reduces the likelihood of a lapse in coverage—a big red flag for insurers.

Besides saving you money, early shopping gives you the time you need to:

Compare quotes thoroughly Review coverages carefully Ask questions about what’s really included in your policy Avoid gaps in coverage that can occur when you wait until the last minute

Here at Riseson Insurance , we help customers all across Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler take advantage of early shopper discounts. Our team works with a wide range of carriers to find the best options that match your needs—and reward your planning.

Whether you're renewing a policy or switching carriers, early action can lead to:

Lower premiums Better bundling options More personalized advice from our licensed agents

At Riseson Insurance, we believe that early birds don’t just get the worm—they get better coverage at a better price. If your current policy is up for renewal, now is the perfect time to shop around and see what savings you’re eligible for.

Call us at 602-460-5470 and let’s get your savings started early.

What Is the Early Shopper Discount?

How Early Do You Need to Shop?

Why It Pays to Plan Ahead

Local Advantage: Save More in Arizona Cities

Let’s Get Started Early—Together

• You request a quote 7 to 30 days before your current policy ends.
• You bind the policy before the expiration date of your current coverage.

• Compare quotes thoroughly
• Review coverages carefully
• Ask questions about what’s really included in your policy
• Avoid gaps in coverage that can occur when you wait until the last minute

• Lower premiums
• Better bundling options
• More personalized advice from our licensed agents