Allstate Car Insurance
Allstate is an outstanding long term insurer but their car insurance rates for new customers are slightly higher than most competing national car insurance companies.
However safe drivers that remain insured with this car insurance company receive cheaper car insurance over the long haul.
Let’s take a look at their car insurance rate reduction programs.
Safe Driver Bonus
For every six months without an accident you will receive a check for approximately 3%-5% of your premium.
Accident Forgiveness
Your rates will not increase as a result of your first accident. But please don’t be fooled. Your initial rates will be slightly higher in order compensate for the accident forgiveness policy.
You can receive an auto insurance policy or request a car insurance quote without the accident forgiveness feature. You can ask for the insurance rate for both scenarios and this will allow you to see the true cost of the accident forgiveness component.
Deductible Rewards Program
You will get $100 off your collision deductible the day that you become insured. Then you can receive another $100 decrease for every year that you don't have an accident.
The deductible rewards program is capped at $500.
New Car Replacement
If your car gets totaled in the first 3 model years you are eligible to receive a new car. Most other insurers only compensate drivers for the depreciated value of the car.
This is an exceptional and rare feature. Of course this is another reason why their polices are slightly higher for new customers. However, the additional cost of this feature is very reasonable.
Allstate insurance has many other discounts and features. We have shown you the features that set them apart from the other car insurance companies.
If you are looking for a cheap car insurance solution then this car insurance company is not for you. If you have had a prior accident then you probably want to look elsewhere. Use our
car insurance review
to find the insurer that values your personal characteristics.
You may also want to request a car insurance quote from Geico. They have cheaper car insurance rates for new customers than
Allstate
Insurance. They also provide outstanding incentives for safe drivers and for people that ensure multiple vehicles.
Use our car insurance review to receive additional information about Geico car insurance and other top car insurance companies in your area.
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