Drivewise: Allstate rewards you with up to a 3% discount just for using its Drivewise app, which analyzes your speed and braking behavior, as well as what time of day you drive. You can earn an additional 15% back after your first 50 trips and every six months you drive safely afterward, and earn rewards points toward shopping discounts. Even non-customers can sign up for the rewards points program, but it’s not available in every state.
Car insurance requirements vary by state. In most states, you are required to have both bodily injury and property damage liability insurance. Some states require coverage to help pay hospital bills and medical expenses for you and your passengers related to injuries from a car accident, no matter who is at fault. Some states require that you protect yourself from uninsured or underinsured motorists. Ask your local independent agent for personal advice about making sure you’re adequately covered.

Insurers don't determine your actual cash value (ACV) settlement based on what you owe, but rather on what the car is worth just prior to the accident. Let's say you owe $20,000 on your new car, but it's only worth about $16,000. If your car is totaled, you might get a settlement check of $16,000 but still owe an additional $4,000 on your loan or lease.


In choosing what auto insurance to purchase, you may be tempted to reduce your expenses by looking for an auto insurance with the lower amount of coverage or by raising your deductibles. While these two factors obviously affect car insurance costs, there are other considerations, some of which are not under your control, that can impact the price of auto insurance premiums.

Car insurance will prove a benefit if you ever experience a wreck, vehicle theft or other unpreventable problem on the road. The policy can help pay for such concerns as your own vehicle damage, injuries and related costs. Coverage can also pay for the damage you cause others if you are deemed at-fault in a wreck. With your policy, you can reduce your chances of significant financial losses after an unfortunate accident.
The need for helmets isn’t just to keep you alive; it may help you recover damages for injuries to the head. Wearing your helmet may not be the deciding factor to your injury claim, but it shows you’re a responsible motorcyclist. It could also indicate the negligence of the other driver. Insurance companies may also take helmet use into consideration. For example, if you were not wearing a helmet and sustained injuries during an accident, you may have to prove to the insurer that you would still have been injured even with a helmet.
This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered.
Car insurance helps provide financial protection for you, and possibly others, if you are involved in an accident. Auto insurance for your vehicle is usually required by all states. Review our state car insurance guides to see the different laws and auto insurance minimum required coverages. You can customize your auto policy to fit your needs. There are different coverages and limits you can choose to create your auto insurance policy. Check out our car insurance coverage page to learn more about each type of coverage.

The urge to protect our homes, the place where we lay our heads and raise our children, is universal. All Americas helps keep the castle safe and sound with comprehensive coverage that guards against theft, fire and storm damage. We also insure other properties, including apartments, condos, mobile homes and property owned by your business. Contact us for a quote.
Each of following insurers who transact business in California are domiciled in California and have their principal place of business in Los Angeles, CA: Farmers Insurance Exchange (#R 201), Fire Insurance Exchange (#1267-4), Truck Insurance Exchange (#1199-9), Mid-Century Insurance Company (#1428-2), Civic Property and Casualty Company (#4241-6), Exact Property and Casualty Company (#4240-8), Neighborhood Spirit Property and Casualty Company (#4242-4).
Rideshare insurance: Allstate now offers coverage in 47 states and Washington, D.C., for customers who drive for ride-hailing services such as Uber and Lyft. Those companies’ full coverage only kicks in while you’re carrying passengers, with limited coverage in between rides. Ridesharing insurance from Allstate is built into your regular policy and covers you the whole time your app is on.

By providing your contact information, you expressly consent to receiving calls and/or SMS text messages at the number you provided as part of our service offerings, including but not limited to advertisements, solicitations, and service updates. The phone number belonging to the called/messaged person(s) could incur charges for such contact. Read and understand all program materials prior to enrollment. Not available in all states.

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.
If you have adequate health and life insurance, you may not need a huge car insurance coverage. Generally, your car insurance coverage is the first to be used up if you are involved in a vehicular accident. Then, you may use your health and life insurance policies to pay for medical bills, if applicable. One extension of car insurance policies is Personal Injury Protection (PIP) coverage, which covers your medical expenses, regardless of who is at fault. If you avail of this with your car insurance policy, and you also have life and health insurance policies, you need only take out the minimum PIP coverage.
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