Allstate Car Insurance Discounts [2023]

Allstate car insurance discounts are varied, and there seems to be something for everyone. So what discounts does Allstate offer? Keep reading to find out.

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.

Getting discounts is an excellent way to find cheap car insurance. The question is: Are the discounts offered by Allstate enough for you to consider a change? Is affordable Allstate car insurance right for you?

Enter your ZIP code to compare car insurance quotes in a matter of minutes with your Allstate car insurance quote to see what’s the best deal for you.

Keep reading to learn more about Allstate car insurance discounts.

What discounts does Allstate car insurance offer?

What Allstate discounts on auto insurance are offered to drivers? If you want to buy Allstate auto insurance, discounts can really lower your rates.

As mentioned above, Allstate car insurance 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.

Take a look at our Allstate insurance discounts list to see if there are any that you’ve missed.

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

• Allstate safe driver discount – up to 45 percent discount
• Allstate good student discount – up to 20 percent discount
• Allstate multiple policy discounts – up to 10 percent discount

Car safety features will also get you some big discounts. Here are a few Allstate auto insurance discounts that you find at many but not all auto insurance companies:

• Passive restraint discount – up to 30 percent discount
• Anti-lock brake discount – up to 10 percent discount
• Anti-theft device discount – up to 10 percent discount
• Allstate new car discount – up to 30 percent discount

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

• Early signing discount – 10 percent discount if you switch from another insurance company while your policy is in force
• Deductible rewards – Sign up and automatically receive a $100 reduction on your deductible with no increase in rates
• Allstate resident student discount – 30 percent discount if your child goes to school at least 100 miles away from where you live
• 55 and retired discount – 10 percent Allstate car insurance discount for senior citizens

What other Allstate programs help save money on car insurance 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 auto insurance policy and a few that you can add to your policy. These programs can lower your Allstate car insurance rates significantly.

Included in every policy are:

• Allstate Safe Driving Bonus – Every six months you will receive an Allstate bonus for driving safe.  How much is the Allstate bonus check? You can receive a check for up to five percent of your total rates if you don’t have an accident during that time.
• Allstate Disappearing Deductible – 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.

The Allstate discounts list is extensive and can help lower those high car insurance rates.

The Allstate car insurance low mileage discount may also be available through the company’s Milewise program.

Discounts are a great way to save money on auto insurance. Bundle all of the discounts you qualify for to get even more savings.

Just like with car insurance coverage, discounts aren’t one size fits all. Speak with your agent to find all of the discounts you can add to lower your rates.

Allstate may also save you money in other areas, such as an Allstate car insurance car rental discount, but it depends on your policy.

What are the Allstate car insurance coverages and rates?

Allstate offers a variety of car insurance coverages and add-ons, such as comprehensive, collision, roadside assistance, and more. Customize your policy with the specific coverages you need.

How much does Allstate car insurance cost?

Many different factors affect your auto insurance rates, including age, driving record, where you live, and how far you drive. The average annual premium for Allstate car insurance ranges between $1,000 and $2,200 depending on your state.

If you have anything on your driving record such as a DUI, speeding ticket, or at-fault accident, you’ll see your rates go up. But it’s not the only thing that impacts them. Your credit score is also a big one, but each insurer is different.

This table will give you a general idea of how Allstate stacks up to some other large companies.

You can see that Allstate is very expensive compared to other car insurance companies. Use the discounts that are offered to bring those rates down.

Find out what kind of car insurance rate you’ll pay in each state. Enter your zip code above to see which states offer the best deals.

What other coverages are offered by Allstate?

In addition to car insurance, Allstate offers a variety of other coverages. Coverages include motorcycle, homeowners’ renters’, RV, and boaters’ insurance.

What is Allstate’s customer satisfaction record?

Although Allstate generally rates well with customer satisfaction, pricing is where customers are the most unhappy. This is where discounts can really play a part.

How can you decide if Allstate car insurance is right for you?

If you haven’t guessed it already, Allstate is typically more expensive than 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 rate, 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.

Enter your ZIP code to compare car insurance rates from multiple companies right now, and be sure to compare them with Allstate discounts to get the best deal.

Case Studies: Allstate Car Insurance Discounts

Case Study 1: Allstate Good Student Discount

John is a high school student with excellent grades. His parents have an Allstate car insurance policy, and they are eligible for the Allstate good student discount. By providing John’s academic records, they were able to save 20 percent on their car insurance premium.

Case Study 2: Allstate New Car Discount

Sarah recently purchased a brand new car and decided to insure it with Allstate. As a new car owner, she qualified for the Allstate new car discount. This discount helped her save 15 percent on her car insurance premium for the first year.

Case Study 3: Allstate Resident Student Discount

Mark’s son, Mike, is attending college out of state but still maintains his parents’ address as his permanent residence. Mark contacted Allstate and asked about the resident student discount. By providing the necessary documentation, Mark was able to save 25 percent on Mike’s car insurance while he is away at college.

Case Study 4: Allstate Disappearing Deductible

Lisa has been a safe driver for many years and has an Allstate car insurance policy. She opted for the Allstate disappearing deductible program, which reduces her deductible by $100 for every year of accident-free driving. Over time, Lisa’s deductible has decreased significantly, providing her with additional savings and peace of mind.

Case Study 5: Allstate Accident Forgiveness

Tom had a minor at-fault accident and was worried about the impact it would have on his car insurance rates. Fortunately, he had the Allstate accident forgiveness feature included in his policy. This meant that his rates did not increase as a result of the accident, saving him from potential financial strain.