Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 9, 2022

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In a nutshell

  • Allstate also offers various discounts connected with homeowners insurance
  • Allstate sells auto, business, homeowners, and life insurance products administered by a network of independent agents nationwide
  • Allstate policyholders who hold a good driving record can take advantage of numerous discounts on auto insurance

One of the largest car insurance companies in America is Allstate Insurance.

From its beginnings as a part of the Sears & Roebuck Corporation, Allstate has provided reasonably-priced insurance to millions of Americans.

Allstate car insurance has some car insurance discounts and bonus programs to help you save money. Allstate discounts range from helping young drivers to drivers with pristine records.

By reviewing your car insurance policy with your agent, you may be able to discover ways to keep of which you were unaware. Enter your zip code above to get free car insurance quotes today.

Below, we have an Allstate discounts list for your reviewing convenience.

Allstate Safe Driver Discount

Car insurance rates are always lower for safe drivers, and Allstate policyholders who hold a good driving record can take advantage of numerous discounts on auto insurance.

The single biggest thing you can do to decrease your premiums is to avoid claims and tickets. If you are a safe driver, you can save up to 45% on the cost of your automobile insurance with Allstate.

Allstate also offers a safe-driving bonus where some drivers can get 5% of their premium back every six months if they are accident-free.

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Allstate Early Signing and New Car Discounts

Another way Allstate drivers can save money is by signing up for Allstate insurance before the expiration of another company’s policy.

Allstate calls this “early signing,” and will offer a bonus of 10% off your total premium price when you switch. An Allstate agent can explain the details of this offer to you, and even handle the changeover to Allstate products.

When you switch to Allstate, and you have a new car, you are eligible for even more savings.

The new car discount offers you up to 30% off the price of your insurance, for merely signing up with Allstate and having a new vehicle to insure.

Good Grades Discount from Allstate

If you have children under 25 in school, their good grades can also help you decrease your premiums. The Allstate good student discount can help

Children who have a good grade point average can save their parents 20% on the cost of their car insurance.

If you have a child at school more than 100 miles away, you may also be eligible for up to 30% off your premiums. Don’t forget to update Allstate with this information as well. Allstate insurance discounts generally require you to provide the information as it changes.

Deductible Rewards Bonus Program from Allstate

The day you sign up for Allstate automobile insurance, you can save $100 on your deductible.

Just claim the “deductible rewards” bonus, and your deductible will automatically be decreased by $100. After that, your deductible will fall every year you go without an accident, up to $500.

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Car Insurance Discounts for Seniors

Allstate realizes that senior citizens are often the most careful drivers around, and rewards good high drivers accordingly.

If you are at least 55 years old, you can save up to 10% on your premiums by switching to Allstate. The Allstate senior discount can come in handy if you’re looking to save money or trying to set up a budget.

Vehicle Safety Equipment Discounts

The safety equipment in your car can earn you a discount, as well. If your vehicle comes equipped with features such as airbags or motorized seatbelts, you can save up to 30% on your insurance premiums.

ABS brakes and factory installed anti-theft devices can even earn you up to a further 10% discount.

Allstate Multi-Vehicle Discount

Multiple cars are cheaper to insure than a single vehicle with any company.

Allstate offers a discount for a multi-vehicle policy, and if you insure your home with Allstate, you can take an additional 10% off your premiums, as well.

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What is Allstate Custom Auto Insurance Coverage?

Allstate has a program known as “Your Choice Auto®” which allows you to customize your automobile insurance policy truly.

Besides the reduction in your deductible amount, Allstate also offers accident forgiveness, which keeps your rates from going up when you have an accident, even if you are at fault, under certain conditions.

Multi-policy discounts apply a 10% reduction to your bill when you insure your home and car with Allstate, and various safety devices, such as smoke detectors may help you save on your homeowner’s premiums, as well.

The Bottom Line

There are plenty of Allstate auto insurance discounts to choose from. To determine whether your coverage is adequate and if you are taking advantage of all the discounts available to you, you should meet with your agent at least once a year and review your policies.

Be sure to mention any life changes you have experienced over the past year. Some Allstate auto discounts
hinge on these things. You may be surprised how much money you can save when you start to look for discounts.

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