Allstate Car Insurance Discounts

Allstate car insurance discounts include safe driver, new car, and resident student packages. Discount packages such as deductible rewards and accident forgiveness are also available.

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UPDATED: Jun 9, 2020

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Here's what you need to know...

  • Allstate offers discounts such as safe driver, new car, and resident student discounts
  • Discount packages such as deductible rewards and accident forgiveness are also available
  • Allstate policies are a bit more expensive than other companies that offer minimum coverage

Allstate is a well-known insurance company in the United States. The company was founded in 1931 through Sears, Roebuck & Co.

When Sears began to have financial difficulties in the 1990s, it began to sell off or eliminate parts of the company. Allstate, rather than disappearing, became an independent entity.

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Getting discounts is an excellent way to save money on your car insurance. The question is: Are the discounts offered by Allstate enough for you to consider a change? Keep reading to learn more about Allstate car insurance discounts!

What Allstate Offers

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As mentioned above, Allstate lists 11 possible discounts on its website. Most of the discounts available can be found with most insurance companies. However, there are a few that are unusual and that could save you a lot of money!

Here are a few of the discounts that you might find from nearly any auto insurance company:

  • Safe driver discount – up to 45% discount
  • Good student discount – up to 20% discount
  • Multiple policy discount – up to 10% discount

Here are a few discounts that you find at many but not all auto insurance companies:

  • Passive restraint discount – up to 30% discount
  • Anti-lock brake discount – up to 10% discount
  • Anti-theft device discount – up to 10% discount
  • New car discount – up to 30% discount

Here are a few discounts that you don’t see very often:

  • Early signing discount – 10% discount if you switch from another insurance carrier while your policy is in force
  • Deductible rewards – Sign up and automatically receive a $100 reduction on your deductible with no increase in premiums
  • Resident student discount – 30% discount if your child goes to school at least 100 miles away from where you live
  • 55 and retired discount – 10% discount

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Programs to Save Money over Time

Lately, more insurance companies have been offering programs that save you money over time, and Allstate is one of those companies. The company offers several programs that are automatically included in your insurance policy and a few that you can add on to your policy.

Included in every policy are:

  • Safe Driving Bonus – Every six months you will receive a check for up to 5% of your total premiums if you don’t have an accident during that time.
  • Deductible Rewards – You will receive an initial $100 off of your deductible when you sign up for a new policy. Each year you don’t have an accident another $100 is deducted until $500 has been reached.

You can add the following services as a rider to your policy:

  • Accident Forgiveness – Keeps your rates from increasing if you have an accident. One accident is allowed every three years.
  • New Car Replacement – Any driver that has a car that is three years old or younger will receive enough money to replace that car with another new car–not a used car, and not the depreciated value of the car.

Deciding If Allstate Is Right for You

If you haven’t guessed it already, Allstate is typically more expensive companies like Progressive or Geico. However, there are those of you who would benefit from this type of policy rather than going with a more basic bare bones policy.

What you need to consider is how much you drive, what the chances are that you are going to have an accident, and how much your car is worth in general.

A policy from a discount company is great if all you need is to ensure that you can pay for your car if you have an accident. However, if you can’t afford a new car if your current car is totaled, then you might want to consider other options.

Of course, if you can’t afford a higher premium, then the discussion of whether Allstate is right for you is moot. The good news is that there are other companies that offer premium services that you might want to consider as an alternative.

The key is to compare prices between multiple companies and then choose based on both price and need.

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References:

  1. http://www.allstate.com
  2. http://www.sears.com/
  3. http://www.progressive.com
  4. http://www.geico.com

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