Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 5, 2020

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Here's what you need to know...

  • Allstate is accredited by the Better Business Bureau and has earned an “A+” rating from the BBB
  • The accident forgiveness program is a special offer from Allstate that protects customers’ rates from increasing after an accident
  • If you are a safe driver, it is fairly easy to qualify for Allstate’s safe driving bonus check
  • You can earn the deductible rewards program just for signing up with Allstate car insurance
  • The new car replacement program applies to cars that are within three years of the current model year

The benefits of having Allstate car insurance are numerous, including the ability to have insurance through one of the largest and most financially secure insurance companies in the United States.

Specific benefits of Allstate car insurance include its accident forgiveness program, a safe driving bonus, Allstate deductible rewards, and its new car replacement program.

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Table of Contents

Is Allstate car insurance a reputable company?

Allstate is accredited by the Better Business Bureau and has earned an “A+” rating from the BBB. In addition, Allstate has been rated “A+” (Superior) by the A.M. Best Company for financial strength, the highest rating an insurance company can receive.

As far as publicly held insurance companies, Allstate is the largest in the United States. It is considered a Fortune 100 company and has more than $130 billion in assets. Allstate has more than a dozen different types of insurance products available, including auto, home, and life, as well as commercial insurance.

Allstate has more than a dozen different types of insurance products available, including auto, home, and life, as well as commercial insurance.

Allstate also offers financial services including banking and investment management. Founded in 1931, Allstate became a publicly traded company 62 years later.

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What is the accident forgiveness program at Allstate?

The accident forgiveness program is a special offer from Allstate that protects customers’ rates from increasing after an accident.

Most often, car insurance rates will rise following an accident.

This will happen whether or not the accident is your fault, because once there is an accident, you become a higher risk to the insurance company.

Drivers who are considered higher risk will pay more money to have their vehicles insured.

Allstate’s accident forgiveness program offers just that — forgiveness in the case of an accident. After your first accident while an Allstate insurance customer, your rates will not automatically increase just because of the accident.

Allstate will work to keep your rates the same, so you can get your car repaired and not worry about having a higher insurance premium cost.

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Is it easy to qualify for the Safe Driving Bonus at Allstate?

If you are a safe driver, it is fairly easy to qualify for Allstate’s safe driving bonus check.

For every six months of safe driving with an Allstate car insurance policy, you will receive a check in the mail from Allstate for up to five percent of your total premium cost.

Safe driving is classified as having no accidents (fault or no-fault), no moving violations, and no claims over a six-month time period.

Since safe drivers are less expensive to insure because the risk of an accident is lower, Allstate is able to pass its savings onto its customers in the form of a bonus check.

You can continue to receive a safe driving bonus check for every six months you carry your Allstate policy without an incident.

How can I qualify for deductible rewards from Allstate?

You can earn the Allstate deductible rewards program just for signing up with Allstate car insurance. For example, if your policy deductible is $500, once you sign up for deductible rewards it will immediately be reduced by $100.

Every year that you are considered a safe driver — someone who does not get into an accident, get a traffic ticket or file a claim — your deductible will be reduced by another $100.

If you maintain your driving record for another year, another $100 will be taken off your deductible.

In 48 states, the deductible can actually be reduced to zero. In New York and Pennsylvania, the deductible will not go below $100.

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Does the new car replacement program apply to someone with a used car?

The new car replacement program applies to cars that are within three years of the current model year. Any older car is still protected under Allstate’s coverage but does not qualify for the new car replacement program.

If you have a new car that gets totaled within the first three model years of owning it, you will receive the cash amount equivalent to your car in the current model year, not a pro-rated amount.

So for example, if your 2010 Toyota Camry gets totaled in 2012, you can get a check for a new 2012 Toyota Camry.

If your car is outside of the three-year window of the current model year and it is totaled, you will still receive coverage from Allstate. But instead of being for the current model year, the check will just be for the actual value of your car that was totaled.

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