Does Allstate offer senior discounts?

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Here's what you need to know...

  • Allstate offers a special discount for retired people over 55 years of age.
  • Allstate offers many other discounts.
  • You should compare their prices with those of other insurance companies to see if their senior discount would help you save money.

Yes, Allstate insurance does offer a special car insurance discount to senior citizens. Allstate offers many other discounts as well. These discounts are determined by the driver’s age, the type of car owned by the policyholder, and the policyholder’s driving history.

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When you choose the best car insurance company based on rates, see how that company compares to others based on financial strength. One of the best insurance industry rating companies in the business is A.M. Best Company. Check it out to see all ratings on Allstate.

What is the history of Allstate insurance?

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Allstate insurance was founded in 1930 by two men who worked for Sears. The company was named after a popular brand of tires that were sold by Sears. Initially, Allstate insurance was only sold through the Sears catalog and direct mail.

After a popular showing at the World’s Fair in Chicago in 1933, the first Allstate office was opened in 1934, also in Chicago.

Over the past 80 years, Allstate has grown into one of the most recognized and successful insurance providers in the United States. It is one of the largest car insurance providers and the largest publicly owned insurance provider in the United States.

Today, Allstate offers more than 12 types of personal and business insurance, as well as financial services.

While the company began with just car insurance, since the 1950s Allstate has continued to expand its insurance coverage options.

What are the types of insurance available through Allstate?

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Along with personal and commercial car insurance, Allstate offers many other insurance coverage options.

Some of these insurance options include:

  • Homeowners insurance
  • Condo insurance
  • Renters insurance
  • Landlord insurance
  • Life insurance
  • Supplemental health insurance
  • Business insurance
  • Identity theft insurance
  • Motorcycle coverage
  • Motorhome insurance
  • Boat insurance
  • ATV insurance
  • Snowmobile insurance

The types of car insurance offered by Allstate include:

  • Property damage liability coverage – Offers protection when the policyholder is at fault for a car accident
  • Bodily injury liability coverage – Pays for any medical costs that are incurred because of injuries caused by the accident.
  • Medical payments coverage – Offers extra coverage for medical expenses incurred because of an accident.
  • Uninsured/underinsured motorist coverage – Protects the interests of the policyholder if they are in an accident with someone that either has no car insurance at all or not enough to cover the costs associated with the accident.
    • This type of insurance also offers coverage if the policyholder is the victim of a hit-and-run accident.
  • Comprehensive coverage –  Covers the cost of damage to the policyholder’s vehicle. Comprehensive insurance covers any damage caused by something other than a collision.
    • The most common things covered include fire, vandalism, smoke, hail damage, theft, damage following hitting an animal, or something falling onto the car.
  • Collision coverage – Covers damage when the vehicle is in an accident with another vehicle, a building or other structure, or if the vehicle is rolled.
  • Personal injury protection coverage – Provides coverage for medical expenses for the policyholder injured in an accident no matter who is at fault for the accident.
    • This type of insurance is often referred to as no-fault insurance.

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What are the car insurance discounts offered by Allstate?

The senior citizens discount available through Allstate works a bit differently than those offered by other car insurance providers.

A senior citizen is usually classified as someone that is 65 years old or older. Sixty-five is also the age at which people in the United State typically retire.

The Allstate discount is a 10% discount to any retired person who is at least 55 years old.

Other car insurance discounts offered by Allstate include:

  • Safe drivers
  • Early signing
  • Good student
  • New car
  • Deductible rewards
  • Resident student discount
  • Anti-lock brake
  • Passive restraint
  • Anti-theft device
  • Multiple policy

The passive restraint, anti-lock brake, and anti-theft device discounts are all considered vehicle equipment discounts. Most vehicles that are 10 to 15 years old have these types of features. Passive restraints are seatbelts and airbags.

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