Insurance Companies have discounts available that can help reduce your car insurance rates. Depending on your car, policy type, coverages purchased and the state in which the policy is written, you may be eligible for one or more auto insurance discounts below. The following is a summary of some of the discounts offered in the majority of states.
Auto Insurance Discounts for Responsible/Safe Drivers*
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Premier Discount
You may be eligible for this auto insurance discount if all the drivers to be insured have had no accidents and no chargeable violations within the past three (3) years. In addition, you and all the drivers to be insured must have maintained continuous standard automobile liability insurance for the past three (3) years. Drivers, who have obtained a driver's license within the past three years, must meet the above criteria from the date the license was obtained.
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Premier Plus Discount
You may be eligible for this auto insurance discount if all the drivers to be insured have had no accidents and no chargeable violations within the past five (5) years. In addition, you and all the drivers to be insured must have maintained continuous standard automobile liability insurance for the past three (3) years. Drivers, who have obtained a driver's license within the past three years, must meet the above criteria from the date the license was obtained.
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Defensive Driver Class Discount
If the principal operator of the covered vehicle is 55 or older (age criteria can vary by state) and has completed an approved defensive driving class (in some states, the class must be voluntary, meaning not the result of a violation) you could save on your auto insurance policy.
Auto Insurance Discounts for Valued Customers*
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Multiple Policy Discount
You might save up to 10% on your car insurance if you also carry your property insurance with the same insurance company. That could be a homeowners, condominium, mobile home, or (in some states) renters policy.
Auto Insurance Discounts for Safe Cars*
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Passive Restraint Systems (airbags/seatbelts) Discount
You could save on your auto insurance if your car is equipped with airbags or factory-installed motorized seatbelts.
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Anti-Lock Brake Discount
If your car has an automatic factory-installed four-wheel anti-lock braking system (ABS), you could save on your car insurance premium.
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Anti-Theft Device Discount
In certain states, you could save if your car is equipped with certain anti-theft devices.
Other Auto Insurance Discounts*
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Good Student Discount
If you are a full-time student who meets certain grade requirements and are under age 25 (in some states the age is 21) and unmarried, you could save money on your car insurance.
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Senior Adult Discount
You could save on your Personal Injury Protection (PIP) coverage if more than 25% of the estimated mileage driven on your car is by anyone 65 years of age or older. (PIP coverage and this discount are not available in all states.)
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55 and Retired Discount
If you are 55 or older and not employed full time, you could save money on your auto insurance.
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New Car Discount
This discount may apply when you insure a brand new (never previously titled) vehicle. Eligibility and amount of the discount will depend on the model year of the vehicle and your state.
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Economy Car Discount
If you own a certain type of economy car, you could save on your car insurance.
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Utility Vehicle Discount
You could save on your auto insurance if you own a certain type of pickup truck.
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Resident Student Discount
If there is a restricted driver on your policy under age 21 who lives at school over 100 miles from home, you could save money on your auto insurance policy.
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Farm Discount
This discount applies to autos used principally by a person or persons residing on a farm, ranch or orchard, provided the vehicle is not customarily used driving to and from work other than farming or ranching. The operator's principal profession must be farming or ranching.
Get an online car insurance quote today and find out if switching to Allstate could save you money.
