Candace Baker, Car Insurance Writer
@candacebaker
Your Allstate rate could have gone up because of speeding tickets, DUIs, other moving violations, or a recent claim. Allstate also considers local risk factors such as the rates of accidents, vandalism, and theft in your area. Higher rates of these incidents in your area may indicate to Allstate that you are more likely to file a claim in the future.
Top Reasons Why Allstate Raises Rates
- Speeding tickets
- DUIs
- Recent claims
- New driver or car added to a policy
- At-fault accidents
- Increased coverage
- Lower deductible
- Recent switch to an expensive car
- Relocation to a high-risk ZIP code
- Decline in creditworthiness
How to Lower Your Allstate Insurance Rates
- Opt for cars with safety and security features. These may include airbags, anti-lock brakes, anti-theft systems, and engine cut-off systems. Vehicles with these features have a lower likelihood of being involved in an accident or being stolen.
- Raise your auto insurance deductible. Generally, opting for a high deductible results in low insurance premiums. However, do not set your deductible higher than what you could afford to pay out of pocket in the event that you need to file a claim.
- Enroll in the safe driving bonus program. Allstate offers a bonus to drivers who are enrolled in its safe driving program. When you are enrolled, you can earn a credit to your car insurance policy every six months you go without getting in an accident.
- Compare quotes from different auto insurance providers. Each insurer calculates rates differently, so you may be able to get the same amount of coverage elsewhere at a lower price.
- Bundle your insurance policies. If you purchase auto insurance and home or renters insurance from Allstate, you can receive a discount on your premiums.
To learn more, check out WalletHub's complete review of Allstate insurance.
People also ask
How can I lower my Allstate car insurance?
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.
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