Allstate Car Insurance Benefits
Allstate car insurance benefits include an accident forgiveness program, which protects your Allstate car insurance rates from increasing after an accident. Further Allstate car insurance benefits include a safe driving bonus, deductible rewards, and the new car replacement program. Before you buy an Allstate insurance policy, compare Allstate car insurance quotes for free below.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Nov 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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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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.
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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Frequently Asked Questions
Is Allstate car insurance a reputable company?
Yes, Allstate is a reputable insurance company. It is accredited by the Better Business Bureau (BBB) with an “A+” rating, and it has also received an “A+” (Superior) rating from the A.M. Best Company for financial strength, which is the highest rating an insurance company can receive. Allstate is the largest publicly held insurance company in the United States and has more than $130 billion in assets. It offers a wide range of insurance products, including auto, home, life, and commercial insurance.
What is the accident forgiveness program at Allstate?
Allstate’s accident forgiveness program is designed to protect customers’ insurance rates from increasing after an accident. Typically, car insurance rates go up after an accident, regardless of fault, because the insured driver becomes a higher risk. However, with Allstate’s accident forgiveness program, your rates will not automatically increase after your first accident as an Allstate insurance customer. Allstate will work to keep your rates the same, providing you peace of mind and financial stability.
Is it easy to qualify for the Safe Driving Bonus at Allstate?
Yes, it is fairly easy to qualify for Allstate’s Safe Driving Bonus. 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 means having no accidents (fault or no-fault), no moving violations, and no claims over a six-month period. By maintaining a safe driving record, you can continue to receive the Safe Driving Bonus check every six months.
How can I qualify for deductible rewards from Allstate?
You can qualify for Allstate’s deductible rewards program simply by signing up for Allstate car insurance. When you sign up, your policy deductible will immediately be reduced by $100. Each year you maintain a safe driving record without any accidents, traffic tickets, or claims, your deductible will be reduced by an additional $100. In 48 states, the deductible can be reduced to zero. In New York and Pennsylvania, the deductible will not go below $100.
Does the new car replacement program apply to someone with a used car?
No, the new car replacement program at Allstate applies to cars that are within three years of the current model year. If you have a new car that gets totaled within the first three model years of owning it, Allstate will provide you with a cash amount equivalent to the value of a new car in the current model year, rather than a pro-rated amount. If your car is older than three years, it is still protected under Allstate’s coverage, but you will receive a check for the actual value of your car that was totaled.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.