You cannot get an Allstate affiliation discount, since Allstate does not offer discounts for members of affiliated companies or organizations, as some other insurance companies do. You can still save on an Allstate car insurance policy with other discounts, however, such as the new car discount, smart student discount, or multi-policy discount.
If your organization is affiliated with a specific insurer, you may want to consider switching to that insurance company. If not, the best way to find car insurance savings is to compare multiple quotes in order to identify the cheapest policy for your needs.
Yes, Allstate does have a military discount of 25% off a customer’s auto insurance premium, but only in Louisiana. The Allstate military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there.
Louisiana is the only state that requires car insurance companies to offer military discounts, so servicemembers and their families based in Louisiana will save on their car insurance premiums regardless of the company. To ask Allstate to apply a military discount to your policy, call 1 (877) 366-1607.… read full answer
Allstate Military Discount Eligibility Requirements
Active-duty military and based in Louisiana
Active-duty military, deployed out-of-state or oversea from Louisiana
Active-duty military, deployed out-of-state or overseas, with a spouse and/or dependents who are based in Louisiana
Yes. Allstate insurance rates are competitive. Allstate ranks 7 overall in WalletHub’s national cheap car insurance study. The average cost of a full-coverage Allstate car insurance policy is $453 per month. You can also find sample rates for six different driver profiles below.
Overall, Allstate's auto insurance rates tend to be lower than those charged by many other major insurers, including Travelers, Farmers, and Safeco.
For people with a clean driving record and plenty of experience on the road, Allstate is a great choice that offers 24/7 claims service and a national network of qualified agents. But Allstate tends to have slightly higher premiums than some of its top competitors, making it less appealing to new drivers or those with a less-than-perfect driving record.
Allstate’s car insurance rates are based on your driving record and experience, along with a variety of other factors like the type of car you drive, your zip code, insurance history, and more. Your coverage and deductible choices impact the final quote, too, as do your eligibility for discounts.
Our sample quotes are representative of Allstate’s insurance prices, but individual results will vary. For example, these quotes do not take into account any Allstate discounts, which can lower premiums significantly. To learn more about how we obtained these sample quotes, check out the methodology section of our complete Allstate car insurance review.
Ultimately, knowing that Allstate is among the cheapest major auto insurance companies is only a starting point as you shop for coverage. The best car insurance for your needs must not only fit into your budget, but also provide quality coverage and excellent customer service, too.
You can lower your Allstate car insurance costs by taking advantage of Allstate discounts, opting for a higher deductible, and reducing your coverage, among other things. Allstate considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from Allstate
Use Allstate’s auto insurance discounts
Allstate offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 20% if their policy covers a college or high school student who maintains at least a "B-" average. Or you can save up to 10% on your premium if you have multiple policies with Allstate.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from Allstate can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing save driving habits and avoiding moving violations can help you qualify for lower Allstate insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, Allstate uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Allstate premium.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Allstate to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for Drivewise
Drivewise, the Allstate telematics program, rewards you for good driving with a discounted premium. Specifically, Drivewise tracks acceleration, braking, and the time of day that you drive. By using Drivewise, drivers can save 10% on their premium just for signing up and earn a rebate of up to 25% every six months.
Finally, if you’re still struggling to afford your Allstate policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.