What Discounts Does Allstate Offer for Car Insurance?

Last Updated on March 27, 2024

Like most car insurance companies, Allstate offers several discounts. However, not all of these discounts are well advertised, and in most cases, you must ask for them. Talking to an Allstate agent rather than simply getting a quote online is a good idea. You may get better results. Below, we’re discussing some of Allstate’s most common discounts.

allstate discounts

Vehicle Discounts

Allstate offers discounts based on the vehicle you are insuring. They offer a 15 percent discount if your car is brand new and you are the first to own it. You also get a discount if you drive an economy car. They also offer a discount for safety features such as anti-lock brakes, airbags, mechanical seatbelts, and anti-theft measures or alarm systems. If your vehicle has any of these features, mention it to the Allstate agent when you call for a quote.

Allstate Discounts for Good Drivers

Like most car insurance companies, Allstate offers discounts for good drivers. These discounts are based on your driving record and how many accidents or claims you have had in the past. These Allstate discounts are dependent on you maintaining a pristine driving record. If you qualify for these discounts at the start of your policy but have an accident or get a traffic ticket, you will likely lose the discount, resulting in a hike in your car insurance premiums.

Some of the discounts available for good drivers include:

  • Defensive driver discount: In some states, you can get an Allstate discount for taking a defensive driving course.
  • Safe Driver Discounts: If you have a clean driving record, you can save up to 45 percent. A clean record of three years earns you a Premium account discount, while a clean driving record for five years earns you a Premium Plus account discount.

You will get the best rates from Allstate if you have a clean driving record. They take good drivers very seriously and want to reward you for your safe driving practices.

Allstate Discounts for Young People

Some discounts are available to young people with Allstate. If you have children on your car insurance policy, you could save quite a bit through these discounts. They are fairly easy to get if your child is a good student and maintains a clean driving record.

  • teenSMART Program: If your teen completes the teenSMART Program, similar to driver’s education courses, you can get a discount on your policy when you add the teen to your car insurance.
  • Resident Student Discount: If you have a college child attending school within 100 miles of your home, you can get a discount on your car insurance.
  • Good Student Discount: Any teen or young adult driver age 25 or younger can get an Allstate student discount for having good grades.

Car insurance is particularly expensive for young people, so these discounts make Allstate a preferred provider for families with teens or young adults. You can also take advantage of many of these discounts if you are a single young adult. For example, the teenSmart program is available up to age 21.

Other Allstate Discounts

Some other discounts are available with Allstate. Some of these discounts you will see with different car insurance companies, while others are unique to Allstate. These discounts are not greatly advertised, so you must ask your agent what discounts you may qualify for.

  • Retiree Discount: If you are 55 or older and retired, you can save 10 percent on your car insurance with Allstate.
  • Early Signing Discount: If you switch policies to Allstate before your current policy term ends, you can get a 10 percent discount on your first policy term.
  • EZ Pay: With Allstate, you can save 5 percent on your car insurance if you set up automatic premium payments.
  • eSmart Account: The Allstate eSmart program allows you to sign up for paperless billing and auto payments, which can save you an additional 10 percent on your car insurance.
  • Good Payer Discount: If you pay all your premiums on time during your first policy term, you will get a 5 percent discount when you renew.
  • Multi-policy discount: Allstate also offers homeowners’ and renters’ insurance. If you are loyal to Allstate and get one of these policies in addition to car insurance, you could save an additional 10 percent.
  • Roadside Assistance: Allstate roadside assistance members can enjoy several travel, auto, and entertainment discounts.

When you get a quote online, these discounts may not be applied immediately. It is a good idea to get several car insurance quotes before deciding on a company. Speaking to an Allstate agent will give you the most answers about what discounts you qualify for.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
Back to Top