With Allstate Auto Insurance, your vehicle is backed by a trusted name in the industry, offering comprehensive protection for a wide range of incidents. While auto insurance is mandatory, having a policy with Allstate brings added peace of mind, ensuring you’re well-supported during stressful moments. Here’s a closer look at what Allstate offers and why it may be the right fit for you.
Allstate Auto Insurance Coverage
Founded in 1931 and headquartered in Northbrook, Illinois, Allstate is part of the larger Allstate Group and operates nationwide. This allows the company to provide a wide range of policy options and access to a vast network of local agents ready to help tailor the right plan for your needs. Some of the main coverages include:
- Liability Coverage (bodily injury and property damage)
- Collision Coverage
- Comprehensive Coverage (non-collision events such as theft, vandalism, or weather)
- Medical Payments / Personal Injury Protection (PIP)
- Uninsured/Underinsured Motorist Protection
Add-On Services:
- Roadside Assistance
- Rental Car Reimbursement
- Gap Insurance
- New Car Replacement
- Sound System Coverage
- Accident Forgiveness (no premium increase after your first at-fault accident)
- Vanishing Deductible (your deductible decreases over time with safe driving)
Why Choose Allstate Auto Insurance
Beyond the core coverage, Allstate offers a long list of benefits and incentives to help drivers save money and stay protected. The insurer is known for combining national strength with local service, giving customers access to in-person assistance while enjoying the backing of a financially strong institution.
Some key highlights include:
- Accident Forgiveness: Keeps your premium from increasing after your first accident.
- New Car Replacement: If your car is totaled in the first few years, it may be replaced with a new one.
- Sound System Coverage: Protects aftermarket audio and entertainment systems.
- Vanishing Deductible: Earn a lower deductible each year you drive safely.
- Local Agents Nationwide: Receive personalized service in your area.
- Strong Financial Ratings: Allstate’s stability means your claims are in good hands.
Discounts and Savings with Allstate
Allstate rewards safe and low-risk drivers with a robust discount program, making its policies more affordable for a wide range of customers. Available savings include:
- Drivewise® (telematics program): Earn up to 40% off based on safe driving habits (realistically, most users save around 20–25%).
- Milewise® (pay-per-mile option): Great for drivers who don’t put many miles on their car.
- Safe Driving, Premier, and Premier Plus Discounts: Up to 45% off for having a clean driving record.
- Vehicle-Based Discounts: Save 30–35% for having features like anti-theft devices, ABS brakes, and passive restraints.
- Payment Method Discounts: Get up to 10% combined savings with options like EZ Pay (auto debit), FullPay (annual payment), e-Smart (paperless billing), Early Signing, and Responsible Payer.
- Multi-Policy & Multi-Car Discounts: Bundle your auto insurance with home, renters, or multiple cars to save up to 25%.
