Friday, September 2, 2011

5 Things You Probably Didn't Know About All State Auto Insurance ...

Allstate auto insurance company is a nationwide provider of auto insurance. They are licensed to provide services in all 50 states, including Hawaii and Alaska. Founded in 1931, the company has 80 years of experience behind it. It is currently the second-largest insurer in the United States, offering insurance coverage for auto, property and even life insurance. One of the most readily recognized names in the industry, here are some interesting things about Allstate insurance company that you might not be aware of.

Discounts for Students, Seniors, Safe Cars and Safe Drivers

Allstate auto insurance offers a range of discounts for certain groups. Parents of students will be thrilled to learn that they young driver can get a discount by earning high grades. You can also get a break on the rates if the college your child attends is more than 100 miles away from the place where the car is stored.

On the other end of the spectrum, people who are over the age of 55 may qualify for great discounts because they are not driving as many miles once they retire. They can also receive another discount when they turn 65 if they are not driving very far.

Cars with loads of safety features will also enjoy getting a discount. The presence of airbags, anti-lock brakes and other safety features not only makes you safer behind the wheel, it also lowers your premiums.

Safe drivers are rewarded nicely with Allstate. The company will award discounts to drivers who go more than three years without any accidents or traffic tickets. They will also offer an additional discount to drivers who can extend that record out to five years. The company also allows drivers to take 5% of their premium off their bill for every six months that they don?t file a claim with the company.

Additionally, taking a safe driver course can help you save money with Allstate. Taking the time to take defensive driving course that is approved by the insurance company can result in a healthy discount on the insurance rates.

Accident Forgiveness and Lower Deductibles

Signing up for Allstate auto insurance also provides drivers with the accident forgiveness program. Most insurance companies automatically raise rates when there is an accident, especially if you caused the collision. Allstate, however, is willing to keep the rates at the same level for the first accident for which a claim would be filed.

The company also has a program to help you lower your deductible. Your deductible is automatically lowered by $100, just for signing up with the company. For every year that you do not have an accident, your deductible will be lowered by $100. The maximum reduction is $500 after four years of being accident free.

New Car Replacement

Drive your new car with confidence knowing that you are protected by the new car replacement program at Allstate. If your car is less than three years old and is totaled in an accident, the company will pay you for the original value of the car rather than the depreciated value. This will allow you to purchase another new car rather than having to choose a less expensive model.

Programs for Teens

A reward program aimed at teenage drivers, your teen can take advantage of a cool reward once every 90 days by playing games that help them become better drivers. They start by registering with the program and making a promise to be a safe driver. They then play safe driving games to earn cool prizes. They?re learning in the process, also, but they don?t necessarily have to know that. The games include Street Sleuth, where your teen driver works to solve accident cases and Allstate Great Race, a distracted driving board game. You might call it bribery, but in the end it still helps to create better, safer drivers.

Giving Back

Allstate cares about its customers and their families. The company also cares about the communities that they operate in. To that end, they have an ongoing commitment to give back to their loyal customers, the cities that support them and even the environment. They have set goals across the board that force them to constantly strive towards being a better company.

They actively work to improve their reputation with their stakeholders. They are on target with their goal to spend at least 9% with minority-owned businesses. The company takes active steps through innovative programs to help reduce teen driving fatalities and they have achieved a goal of reducing the company?s paper usage by 25%.

Allstate is more than a simple insurance company, they are an American tradition. They are a solid company financially that constantly sets new goals and strives to improve. They are a company that watched the growth and close of the 20th century and will be with us throughout the 21st century.

Source: http://www.carinsurancequotescomparison.com/blog/5-things-you-probably-didnt-know-about-all-state-auto-insurance/

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