When you see those “You’re in Good Hands” commercials, you’re watching one of America’s most trusted insurance companies in action. Allstate has been protecting families and businesses for nearly a century, and getting a quote from them is easier than you might think.
Whether you’re shopping for your first insurance policy or thinking about switching from your current provider, this guide will walk you through everything you need to know about getting an Allstate quote. We’ll break it down in simple terms so you can make the best decision for your family and budget.
Table of Contents
Why Consider Allstate for Your Insurance Needs?
Before we dive into the quote process, let’s talk about why millions of Americans choose Allstate. Allstate offers insurance for your car, home, rental, motorcycle and more, making them a one-stop shop for most of your insurance needs.
The company has built a reputation for standing by their customers when disasters strike. From car accidents to house fires, Allstate has been helping families rebuild and recover for generations. They combine old-school reliability with modern technology, giving you the best of both worlds.
One compelling reason to consider Allstate is their potential for savings. On average, drivers who switched to Allstate saved $713, which could make a real difference in your monthly budget. While savings aren’t guaranteed for everyone, many customers find they can get quality coverage for less money than they were paying elsewhere.
Types of Insurance Quotes Available from Allstate
Allstate doesn’t just do one type of insurance – they’re like a department store for protection. Here are the main types of quotes you can get:
Auto Insurance Quotes are Allstate’s bread and butter. Whether you drive a compact car, family SUV, or pickup truck, they can protect you on the road. Their auto insurance covers damage to your vehicle, injuries to you and others, and even provides rental car coverage while your car is being repaired.
Homeowners Insurance Quotes protect your biggest investment – your home. This coverage helps repair or rebuild your house if it’s damaged by fires, storms, or other covered disasters. It also protects your belongings inside and provides liability coverage if someone gets hurt on your property.
Renters Insurance Quotes are perfect for people who rent apartments or houses. Even though you don’t own the building, you still need protection for your personal belongings and liability coverage.
Motorcycle Insurance Quotes protect your bike and you while riding. Whether you have a Harley or a sport bike, Allstate understands the unique risks motorcyclists face.
Life Insurance Quotes help ensure your family will be financially secure if something happens to you. Allstate offers both term and permanent life insurance options to fit different needs and budgets.
Business Insurance Quotes protect small businesses from various risks, including general liability, commercial auto, and workers’ compensation.
How to Get Your Allstate Quote Online
Getting an Allstate quote online is surprisingly quick and easy. You can secure the right policy in minutes by following these simple steps:
Step 1: Visit Allstate’s Website Go to Allstate.com and click on the “Get a Quote” button. You’ll see options for different types of insurance – choose the one you need.
Step 2: Enter Your Basic Information You’ll need to provide some basic details about yourself, such as your name, address, date of birth, and contact information. This helps Allstate customize your quote to your specific location and circumstances.
Step 3: Provide Details About What You Want to Insure For auto insurance, you’ll enter information about your car, including the make, model, year, and VIN number. For home insurance, you’ll provide details about your house, such as its age, size, and construction type.
Step 4: Answer Questions About Your History Allstate will ask about your driving record, previous insurance coverage, and claims history. Be honest – they’ll find out anyway when they run background checks, and providing accurate information ensures you get the right coverage and pricing.
Step 5: Choose Your Coverage Options This is where you can customize your policy. You’ll select coverage limits, deductibles, and additional protections like roadside assistance or rental car coverage.
Step 6: Review Your Quote Allstate will show you several quote options with different coverage levels and prices. Take time to compare them and understand what each includes.
What Information You’ll Need for Your Quote
Being prepared speeds up the quote process significantly. Here’s some of the information you can expect to share so you can get insurance quotes tailored to your needs:
Personal Information:
- Full legal name and date of birth
- Social Security number
- Current address and how long you’ve lived there
- Marital status and information about other household members
For Auto Insurance Quotes:
- Vehicle information (year, make, model, VIN)
- Annual mileage and how you use your car
- Where you park your car (garage, driveway, street)
- Current insurance information
- Driving record for all drivers
For Home Insurance Quotes:
- Property address and home details (square footage, age, construction type)
- Security features (alarms, deadbolts, etc.)
- Recent home improvements or renovations
- Current mortgage information
- Previous insurance claims
Financial Information:
- Current insurance company and policy details
- Credit information (may affect rates in some states)
- Preferred payment method and billing frequency
Understanding Your Allstate Quote
When you receive your Allstate quote, it might look overwhelming at first, but it’s actually quite straightforward once you understand the basics.
Premium is the amount you pay for your insurance. This can be shown as an annual amount or broken down into monthly payments. Remember that paying annually often costs less than paying monthly due to billing fees.
Deductible is how much you pay out of pocket before insurance kicks in. Higher deductibles mean lower premiums, but you’ll pay more if you need to file a claim.
Coverage Limits show the maximum amount Allstate will pay for different types of claims. Higher limits provide better protection but cost more.
Discounts are one of the best parts of your quote. Allstate offers numerous ways to save money, and these should be clearly listed on your quote.
Allstate’s Money-Saving Discounts
One of the smartest things about getting an Allstate quote is discovering all the ways you can save money. Allstate offers 12 discounts, including multi-policy, new car, and responsible payer discounts, and the discounts can be as much as 30% or more and sometimes you can qualify for multiple discounts.
Multi-Policy Discount is often the biggest money-saver. When you bundle your auto and home insurance with Allstate, you can save significantly on both policies. It’s like buying in bulk – you get a better deal for purchasing more.
Safe Driving Discounts reward you for being a responsible driver. If you have a clean driving record without accidents or tickets, Allstate recognizes that with lower rates.
Good Student Discount helps families with teenage drivers. If your teen maintains good grades, Allstate offers a discount because studies show good students are often safer drivers.
Safety Feature Discounts apply when your car has modern safety equipment like anti-lock brakes, airbags, or anti-theft devices. These features reduce risk, so Allstate passes the savings on to you.
New Car Discount gives you a break on insurance for newer vehicles with the latest safety technology.
Responsible Payer Discount rewards customers who pay their bills on time and in full.
Early Signing Discount can save you money if you purchase your policy before your current coverage expires.
Current Allstate Pricing Trends
Understanding current pricing helps you know what to expect when you get your quote. Allstate’s average full coverage is $2,605 annually, higher than most, but this varies significantly based on your location, driving record, and other factors.
Rates start at $59/month for comprehensive coverage, though your actual rate will depend on many factors. Average monthly premiums for Allstate car insurance range from $103 to $406, depending on your location.
Keep in mind that while Allstate might not always be the cheapest option, they often provide excellent value when you consider their coverage quality, customer service, and claims handling reputation. Sometimes paying a bit more upfront saves you money in the long run if you need to file a claim.
Special Programs to Ask About
When getting your Allstate quote, ask about these special programs that could save you money or provide better coverage:
Drivewise is Allstate’s safe driving program that monitors your driving habits through a mobile app. Safe drivers can earn rewards and discounts based on their actual driving behavior.
Milewise is a pay-per-mile insurance option that’s perfect for people who don’t drive much. As of September 2024, Milewise was only available in Delaware, Idaho, Minnesota, Washington, Wisconsin, and West Virginia, so check if it’s available in your area.
New Car Replacement ensures you get a brand new car if your new vehicle is totaled, rather than just its depreciated value.
Accident Forgiveness protects your rates from going up after your first accident.
Tips for Getting the Best Quote
Here are some insider tips to help you get the most accurate and affordable Allstate quote:
Be Completely Honest about your driving record, claims history, and other factors. Lying on your application can void your policy when you need it most.
Compare Different Coverage Levels to find the sweet spot between protection and affordability. Don’t automatically choose the cheapest option – make sure you have adequate coverage.
Ask About All Available Discounts because Allstate representatives might not automatically apply every discount you qualify for.
Consider Higher Deductibles if you have emergency savings to cover them. This can significantly lower your premiums.
Bundle When It Makes Sense because combining policies often leads to substantial savings.
Review Annually because your circumstances change, and new discounts might become available.
What Happens After You Get Your Quote
Once you receive your Allstate quote, you don’t have to make an immediate decision. Most quotes are valid for a specific period, giving you time to compare options and think it over.
If you decide to move forward, an Allstate agent will help you finalize your policy details and set up payment arrangements. They’ll also answer any questions you have about your coverage.
If you’re not ready to buy, you can save your quote and return to it later. Allstate makes it easy to modify your quote if your needs change or if you want to explore different coverage options.
Getting Help with Your Quote
While online quotes are convenient, sometimes you need to talk to a real person. Allstate has local agents throughout the country who can provide personalized service and help you understand your options.
You can find a local Allstate agent by using the agent locator on their website, or you can call their customer service line to speak with a representative. Many people find that working with an agent helps them get better coverage at competitive prices because agents understand the local market and can recommend appropriate coverage levels.
Making Your Decision
Getting an Allstate quote is just the first step in protecting yourself and your family. Take time to review your quote carefully, compare it with other options, and choose the coverage that gives you the best combination of protection and value.
Remember, the cheapest insurance isn’t always the best insurance. Focus on finding a policy that provides adequate coverage from a company you trust to be there when you need them most.
Ready to get started? Visit Allstate.com today to get your free quote and see how much you could save while getting the protection you need. With Allstate’s reputation for excellent customer service and their comprehensive coverage options, you’ll have peace of mind knowing you’re truly “in good hands.”
For more information about insurance shopping tips and comparisons, visit the National Association of Insurance Commissioners or speak with a qualified insurance professional in your area.