Our Many Auto Insurance Discounts Can Add Up to Serious Savings

Everyone loves a discount, which is why we’ve created all kinds of discounts and bonuses to help save you money on auto insurance. The summary below is a basic rundown of what we offer. Depending on the kind of car you drive, the state you live in, and the kind of policy you carry, you could be eligible for one or more of these benefits. (Just make sure you read the disclaimer at the bottom of this page for all of the necessary details and restrictions.)

Discounts For Safe Drivers  . . .

Premier Discount
If you’ve been safe on the road and accident-free for the past three years, and you’re also clear of any moving violations, you might qualify for our auto insurance Premier Discount. (To be eligible, you and all additional drivers also need to have carried continuous, standard automobile Liability insurance during those same three years.) If you’re a new driver and received your license within the past three years, you, too, could be eligible. Just make sure you meet the above qualifications from the date your license was issued.

Premier Plus Discount
Our best auto insurance discount yet, the Premier Plus could be yours if you’re a safe driver with no moving violations, who’s been accident-free for the past five years. To qualify, you and all additional drivers also need to have carried continuous, standard automobile Liability insurance during the past three years. New drivers are also eligible: if you received your license within the past three years, and you meet the above qualifications from the date your license was issued, you too could qualify.

Defensive Driver Discount
If you’re 55 or older, and you’re the principal driver of your insured car, you could save on your premiums by taking an approved defensive-driving class. (Not available in every state. Check with your Allstate agent for details, as age and class requirements can vary from state to state.)

Discounts For Safe Cars . . .

Passive Restraint Systems
If your car came equipped with airbags, or factory-installed motorized seatbelts, you could receive a Passive Restraint Discount on your auto insurance.
Anti-Lock Brakes
Alternately, if your car has factory-installed ABS (all-wheel, anti-lock braking system), this discount can bring your premiums down.

Anti-Theft Devices
This discount applies in certain states, and can save you money if your car came equipped with approved anti-theft devices.

Discounts For Drivers With Multiple Allstate Policies . . .

Multiple Policy Discount
If you have property insurance with Allstate, you may qualify for Allstate’s Multiple Policy Discount to lower your auto insurance premiums by as much as 10%.

Discounts For Students, Seniors, and More . . .

Good Student
If you’re 25 or younger, unmarried, and a full-time student who meets our GPA requirements, you could save on your auto insurance premiums with this valuable discount. (In some states, the qualifying age is 21.)
Senior Adult
If you’re 65 or older, and you drive more than a quarter of your car’s total mileage, this discount can reduce the cost of your Personal Injury Protection (PIP) coverage. (Check with your Allstate agent, as this discount isn’t available in all states.)

55 and Retired
If you’re 55 or older, and not employed full-time, this discount can help keep your auto insurance costs down.

New Car
Depending on your state and the model-year of your vehicle, that brand new, never-been-titled car you just bought might save you money.

Economy Car
If you already own an economy car, your savings might just keep coming.

Utility Vehicle
If you drive a specific type of pick-up truck, this discount could apply to your auto insurance.

Resident Student
If you carry coverage for a student who’s under 21 and lives at a school that’s more than 100 miles away, you could save valuable cash on your premiums.

Farm or Ranch Vehicle
If you’re a full-time farmer or rancher, and you’re insuring a farm or ranch vehicle used exclusively for work on your property, this bonus could help keep your costs down.

At Allstate, we value every customer. We’re also focused on delivering the highest-quality insurance products with the best service available. Which is why our policy holders enjoy reliability, dependability, and personalized coverage that fits their lives — plus a host of auto insurance discounts to choose from.
With so many ways to save, you’re bound to find a discount that fits.

Liability and Medical Protection*

Liability Coverage
If you’re at fault in an accident that’s covered by your policy, and other people (or property) are injured or damaged, Liability coverage helps protect you from the cost of these damages.
Medical Payments Coverage
If you’re in a covered accident, this Medical Payments option helps pay for any reasonable and necessary medical bills.

Underinsured / Uninsured Motorist Coverage
If a driver with little or no insurance damages your car, or injures you or someone riding with you, this coverage option can help cover repairs and expenses. (This is subject to certain limitations, however, so check your individual policy, or talk to your agent for more details.)

Vehicle Protection

Collision Coverage
This option helps protect you from repair costs to your car if you’re involved in a covered accident. Considering it’s a covered loss (that’s insurance-speak for an accident that’s specifically covered by your policy), Collision helps pay for the repairs needed to get your car back on the road.

Comprehensive Coverage
This option helps protect your car in covered situations that don’t necessarily involve other drivers or vehicles. If your car’s damaged by a storm, vandalism, or “passive object” (such as a tree or a post in a parking garage) which fell and was not caused by collision, Comprehensive can help keep you covered.

Additional Protection

Personal Injury Protection
Helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you’re hurt in a covered accident. (Personal Injury protection is not available in some states, and the amount of reimbursement is based on the coverage you purchase.)

Additional Coverage Options
Can boost convenience and peace of mind, whether it’s with our Towing and Labor-Cost Coverage, Rental Car Reimbursement Coverage, Sound System Coverage, or Tape/CD Coverage. The choice is yours.

Understanding Your Coverage Limits, Deductibles, and Other Options . . .

Building an auto insurance policy that’s right for you takes more than just understanding what you need to cover: it’s also about how much coverage you may need. These decisions can have a big impact on your premiums. Here’s how…

Let’s Start with Your Coverage Limit.
Coverage Limit

• Your auto insurance coverage limit is the highest dollar amount we’ll pay if you make a claim on a covered loss (that’s insurance-speak for any losses that fall within the bounds of your policy).
• The higher your coverage limit, the more we may pay, but the higher your premiums will be to obtain that coverage.
• Lowering your coverage limit is a good way to bring your premiums down and save money now, even if you may need to pay more out-of-pocket later, after an accident. But keep in mind that each situation is unique: be sure to consider your own needs before lowering your coverage.

Summary
The higher you set your coverage limit, the more protection you may have in the event of a covered accident. Alternately, lowering your coverage limit can help you save some money on your premiums.

Now Let’s Look at Your Deductible.
Deductible

• Your deductible is the amount of money you agree to pay out-of-pocket (on your own, without our help) when you make a claim covered by your policy.
• This means, for example, that if your repairs cost $1,500 and you’ve set your deductible at $500, theoretically, you’ll pay the first $500, and we’ll pay the remaining $1,000 to get your car fixed and back on the road.

Summary
Setting a higher deductible amount can help keep your auto insurance premiums down. But a lower deductible (with higher premiums) means you’ll pay less out-of-pocket when you make a claim.

Other Coverages
Choose any of the following options that might suit your individual circumstances best and build an auto insurance policy that helps fit your needs.
Liability Coverage — If you’re at fault in an accident that’s covered by your policy, and other people (or property) are injured or damaged, Liability Coverage helps protect you from the cost of these damages.

Collision Coverage — helps pay for repairs or replacement to your car if you’re in a covered accident that involves other vehicles or stationary objects.

Comprehensive Coverage — helps pay for covered losses caused by natural disasters, theft, vandalism, or other similar events.

Underinsured/Uninsured Motorist Coverage — helps protect you if the covered accident was another driver’s fault and s/he either has no auto insurance, or not enough insurance to cover the expenses.

Medical Payments Coverage — helps pay medical bills if you or your passengers are hurt in a covered accident. This option may also cover other members of your family when they’re driving the insured car.

Personal Injury Protection — typically helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you’re hurt in a covered accident. (Personal Injury protection is not available in some states)

Limits and Deductibles — will apply to certain types of coverage. Your Limits and Deductibles determine how much your insurance company will pay and how much you’ll have to pay when you make a claim for a covered accident.

Additional Coverage Options — can boost convenience and peace of mind, whether it’s with our Towing and Labor-Cost Coverage*, Rental Car Reimbursement Coverage, Sound System Coverage*, or Tape/CD Coverage*.  The choice is yours.

Protect Yourself from Auto Theft
Did you know that a car is stolen in the United States every 26 seconds?* And that vehicle thefts cost Americans approximately $7.6 billion each year?*
Even if you are not a victim of car theft, you are still paying the cost. The National Insurance Crime Bureau estimates that theft and fraud increases the cost of auto insurance by $200 to $300 per year, per policy.

In an effort to help reduce that burden, Allstate has developed a number of tools to help you protect your car and your wallet. We are committed to reducing the number of car thefts and the impact they have on our customers.

Tips and Fact Sheets to Help Prevent Auto Theft

• Frequently Asked Questions
• Helpful Steps to Protect Yourself
• The Facts About Auto Theft
• VIN Etching Fact Sheet

Bait Cars
Allstate has donated Bait Cars to multiple law enforcement agencies throughout the country. These specially equipped vehicles will be outfitted with advanced technology and used by local law enforcement to catch car thieves in action. Bait Cars appear to be normal vehicles, but they are outfitted with hidden security features that will enable law enforcement to remotely monitor any theft and disable the vehicle so that the car stops and locks the thief inside.

VIN Etching
Another way consumers can protect themselves is by using VIN etching. VIN etching is the permanent engraving of a vehicle’s federally registered vehicle identification number (VIN) onto its windshield and windows. VIN etching is often seen as a deterrent to thieves because it not only makes it nearly impossible for thieves to profit from selling windows and windshields, but it also makes it more difficult for thieves to find a way to dispose of the vehicle once it has been stolen.

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