Haris Ashley
Allstate offers a range of auto insurance discounts, including anti-lock brake, anti-theft device, new car, and early signing discounts. While the company does not disclose exact discount amounts, Allstate auto insurance discounts can save customers anywhere from 5% to 45% on their rates. The Allstate professional discount is one of many discounts offered by the company, and it is worth checking with the company to see what other discounts you may be eligible for.
What You'll Learn
Allstate's auto insurance costs
Allstate auto insurance costs vary depending on several factors, including age, driving history, and credit rating. The company does not disclose exact discount amounts publicly, but there are ways to save on your premium.
Allstate Auto Insurance Costs
Discounts
Allstate offers various discounts that can help lower your premium. These include:
- Multi-policy discount: Save by bundling auto insurance with a home, life, or renters policy.
- New car discount: Save if your car is new.
- Smart student discount: Students under 25 who are unmarried and attending school at least 100 miles away, who have good grades, or who complete the teenSMART program can save.
- Anti-lock brakes discount: Save if your car has anti-lock brakes.
- Anti-theft device discount: Save if your car has an anti-theft device.
- Early signing discount: Save if you purchase your policy at least a week before its start date.
- EZ pay plan discount: Save by setting up automatic payments.
- FullPay discount: Save by paying for your policy in full.
- Passive restraint discount: Save if your car has automatic seatbelts.
- Safe driving club: Earn a bonus for every six months you drive without accidents and get $100 off your collision deductible annually, up to $500.
Other Ways to Save
In addition to the discounts mentioned above, Allstate offers usage-based insurance programs that can help you save on your premium. These include:
- Drivewise: Available in all states, this program uses the Allstate mobile app to track factors such as speed, braking, driving hours, and phone activity.
- Milewise: Available in 17 states, this program allows you to pay per mile. You can install a tracking device in your vehicle's diagnostic port and track your mileage through the Allstate app.
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Discounts for safety features
Allstate offers a range of car insurance discounts that fall under four main categories: driving history, car safety, loyalty, and payment. The company does not disclose exact discount amounts publicly, but you can check with the customer service department or your Allstate agent to see how much you could save.
Anti-lock Brakes Discount
You can save on your car insurance if your car is equipped with anti-lock brakes. This safety feature helps prevent your car's wheels from locking up and skidding when you brake suddenly, which can help you maintain control of your vehicle in emergency situations.
Anti-theft Device Discount
If your car has an anti-theft device installed, such as an alarm system or a tracking device, you may be eligible for a discount on your insurance. These devices can help deter thieves and reduce the risk of vehicle theft, which is favourable to insurance providers.
Passive Restraint Discount
Allstate offers a discount for vehicles equipped with passive restraint systems, such as automatic seatbelts. These safety features help protect occupants in the event of a crash by automatically restraining them, reducing the severity of potential injuries.
New Car Discount
If you are the first owner of a brand-new car, you may be eligible for a discount. Newer cars often come with advanced safety features and technologies that can help prevent accidents and improve overall safety on the road.
Safe Driving Club
While not directly related to safety features, Allstate's Safe Driving Club rewards safe driving habits. You can earn a bonus every six months you drive without accidents and receive up to $100 off your collision deductible for each accident-free year, up to a total of $500.
In addition to these safety-focused discounts, Allstate offers other ways to save, such as the Allstate Milewise program, which is ideal for low-mileage drivers, and the Allstate Drivewise program, which monitors your driving habits through a smartphone app and offers discounts for safe driving.
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Discounts for students
Allstate offers a range of discounts for students to help them save on their auto insurance. The Smart Student Discount is available for students who are under 25 years old, unmarried, and meet certain academic or distance-learning criteria. To be eligible, students must either attend school more than 100 miles away from their car, complete the teenSMART program, or maintain a GPA of 2.7 or higher (a B- average or above).
Teen drivers who are full-time high school or college students can also benefit from a Good Student Discount. To qualify, they must have a GPA of 2.7 or higher, which equates to at least a B- average. This discount is a great way for younger drivers to reduce their insurance costs, which typically tend to be higher for this age group.
In addition to these discounts, Allstate also offers a range of other ways for students to save money on their auto insurance. For example, students can choose the Allstate Milewise program, which is a pay-per-mile plan that calculates the price based on a daily rate plus a small charge per mile driven. This option is particularly beneficial for low-mileage drivers, who can save up to 72% annually on their insurance costs.
Another way to save is by signing up for Allstate Drivewise. This program involves using the Allstate smartphone app to monitor your driving and provide discounts for safe driving habits. It's always a good idea to check with Allstate directly to ensure that you're taking advantage of all the discounts that you qualify for as a student.
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Discounts for payment methods
Allstate offers 12 car insurance discounts that fall under four main categories: driving history, car safety, loyalty, and payment. While the company does not disclose exact discount amounts publicly, it does offer various discounts for different payment methods.
The first of these is the EZ pay plan discount, which is applied when you pay your premium via automatic withdrawal. Similarly, the FullPay discount is applied when you pay for your entire policy at once. The Responsible payer discount is another payment method discount, which is applied if you did not receive a cancellation notice due to non-payment during the previous 12 months.
Safe drivers and people who consistently pay their entire Allstate bill on time via automatic withdrawal are especially likely to save a significant amount of money.
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Discounts for driving history
Allstate offers 12 car insurance discounts that fall under four main categories: driving history, car safety, loyalty, and payment. While Allstate doesn't disclose exact discount amounts publicly, you can expect to save in the following ways if you have a good driving history.
Safe drivers are especially likely to save a significant amount on their Allstate car insurance. Allstate's Safe Driving Club offers a bonus every six months you drive without accidents, plus $100 off your collision deductible for each year without accidents (up to $500 total).
If you're a teenager, you can get an Allstate discount by being a safe driver, having good grades, or taking a certified driver's education course. In California, for example, Allstate car insurance policies for teenagers cost an average of $2,093 per year, but discounts can help reduce premiums. Teen drivers who are full-time high school or college students with a 2.7+ GPA or at least a B- average are eligible for a Good Student Discount.
If you're a student under 25 and unmarried, you can save with the Smart Student Discount if you attend school 100+ miles away from your car, successfully complete the teenSMART program, or maintain a GPA of 2.7 or a B- average.
In addition, Allstate offers Drivewise, a smartphone app that monitors your driving and provides safe driving discounts.
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Frequently asked questions
Allstate doesn't disclose the exact discount amounts publicly, but it offers a wide range of discounts for its auto insurance policies. The discount percentage varies from 5% to 45% depending on the type of discount.
Allstate offers 12 car insurance discounts that fall under four main categories: driving history, car safety, loyalty, and payment. Some of the discounts include the Allstate eSmart discount, anti-lock brakes discount, anti-theft device discount, early signing discount, and EZ pay plan discount.
You can check with the Allstate customer service department or your Allstate agent to see exactly how much you could save and which discounts you are eligible for.
To get the best deal on Allstate auto insurance, it is recommended to stack multiple discounts. Additionally, you can compare the discounted rates with other insurance providers to ensure you're getting the best deal.
