The accident-free discount is exclusively available for new customers. In the event that you have experienced an accident with Allstate in the past, unfortunately, you will not be eligible for the 35%-45% discount. However, there is still a way for you to regain this discount. Simply switch to a different insurance provider for a period of 3-5 years, and then you can return to Allstate to enjoy the discount once again.

Here’s something interesting – the folks with the best auto insurance rates all share one thing: they have 100/300 BI Limits. Those with higher limits pay less than those with 30/60 BI Limits. Insurance companies aren’t crazy about folks who have 30/60 BI Limits. In fact, most insurance companies won’t even give you a quote if you have lower limits. So, if you’re looking to save some money on your auto insurance, consider upgrading your BI Limits to 100/300. It could make a big difference in your rates!

After witnessing a multitude of quotes – both good and bad – over the past 15 years, we have gained valuable insights into what insurance carriers consider when rating new customers. Insurance rating varies with each carrier, which is why we work with multiple carriers to ensure you get the best price possible!

At our agency, we have partnered with multiple insurance carriers that specialize in both home and auto coverage. Our top picks are Travelers and Geico, known for their competitive rates and exclusive multi-line discounts. Make the smart choice and save on your insurance policies by bundling with our trusted carriers