Allstate Auto Insurance was founded in 1931. They have been offering innovative car insurance ever since. It is one of the few insurance companies most people have heard of, in part because of their consistent advertisements which emphasize a family theme. Of course, it didn’t hurt to have actor Dennis Haysbert advertising for them after he gained a large following playing president David Palmer in the television series 24. At this time, they provide insurance products to more than 17 million households. That is about 16% of all US households. Their auto insurance advertisements like to suggest significant savings when you switch to Allstate. To find out for yourself, you can get a quote. 

One of the nice features of the Allstate website is that you can get a ballpark estimate of what your insurance may be within minutes. It isn’t personalized but it does take your location, age, accident history and vehicle into consideration. A very fast way to get a quote when you are still comparing companies. Of course, a personalized quote will be more accurate but this gives you a good idea of what to expect. It certainly beats having to wait for a quote to arrive in the mail which seems to be the preferred method of another insurance company. 

Allstate Auto Insurance offers all sorts of discounts. There are discounts for safe drivers with no accidents during the past three or even better five years. You can lower your rate even further if you voluntarily take a defensive driving course. Having a safe car helps too. If your car has anti-lock brakes or airbags, look for a discount. Of course, there are multiple discount options for good students and even seniors.  Allstate Auto Insurance seems to provide most of the discounts available in the industry so you should be able to qualify for some discount. 

Looking at the reviews for Allstate Auto Insurance  which you always have to take with a grain of salt, especially with a company with this many customers, one of their main problems seems to be with automatic payments from customer’s checking accounts. That is an easy one to get around. Just don’t use that service. I would find it hard to believe that 17 million households are putting up with a company they aren’t at least reasonably satisfied with. They do offer online access for their customers. 

One of the more innovative programs Allstate Auto Insurance offers is their Safe Driving Bonus® which offers a rebate check of up to 5% of your premium for every 6 months that you manage to drive without an accident. This may really appeal to you if you are a good driver. Of course, you want to make sure your insurance rate is reasonable to begin with, so these checks are a bonus. I know I can go for years without getting into an accident. Receiving a bonus check every 6 months sounds great. 

Allstate Auto Insurance really concentrates on accident prevention incentives so another one of their incentives are Deductible Rewards. You get $100 off your collision deductible for every year you drive without having an accident until you reach $500. Personally, I like that feature. A $500 deductible on collision coverage is quite standard and this lets you get the lower rate that comes with the $500 deductible and still get the benefit of no deductible should you ever need it after your five years of driving accident free. Hopefully, you won’t need it but it is nice to know you can save those $500.