How to Maintain the Best Insurance Rates & Save Money

Here are just a few tricks on getting the BEST insurance rates:

1) Maintain Continuous Insurance coverage for at least 6 months to 1 year. The longer the continuous insurance, the better your rates! If you are currently uninsured, or have let your insurance policy lapse, there's no better time than NOW to start an insurance policy to begin maintaining Continuous insurance!

2)Maintain a CLEAN driving record, if possible, and try to not make small claims against your insurance because it can affect your insurance rates for anywhere from 3 years to 5 years!

3)Try to watch your credit! Believe it or not, most-if not all, insurance companies use your payment history from your credit as a rating factor!

 

Here are just a few tricks on SAVING MONEY on insurance:

4)With Allstate, if you start your policy 7-10 days in advance, you can SAVE 5% on your premium for an “Early Signing BONUS!”

5)With Allstate, you can SAVE an additional 5% for using our EZ PAY PLAN, in which you're monthly payments are deducted automatically
through you checking or savings account each month. Also saves time and headaches because you'll know your insurance is paid up.

6)You can SAVE 20% through Allstate by combining your AUTO & HOME insurance!

7)You can SAVE up to 13% through Allstate by combining your AUTO & RENTERS or CONDO insurance!

8)If you are a student, or has a child that is a student, that can save you up to 20% if you maintain a 3.0 GPA or higher!

 

Allstate's Your Choice Auto Program:

In this program we offer, there are several different programs you can choose from. I'll explain the differences between Allstate Platinum, which is our highest level of protection, and Allstate Moneysaver, which is the lowest.

In Allstate Platinum:
*You receive immediate ACCIDENT FORGIVENESS, for multiple accidents. You can have as many at-fault accidents+1 as you have vehicles.
(i.e=You have 2 cars insured with Allstate, you have up to 3 Accidents that we can forgive in a 5 year time frame.   So 2 cars + 1 = 3 Accidents)

*You also recieve a Safe Driver's Bonus Check at the end of each 6 months you go accident free! You save us money by not having accidents, we want to pay it forward and give you money back!

*You're also eligable for a Safe Driver Deductible Rewards! Which is where you're deductible is lowered 6 months you maintain claim free!

*There are NO coverage limitations!

 

In Allstate Moneysaver:

*There is NO Accident Forgiveness or Safe driving rewards

*There are a few coverage limitaions

*It Is the Cheapest of the 5 Choices Available