Allstate auto insurance company of California can help you get reliable coverage for a variety of needs. Allstate can also provide various discounts to help you save money on your California auto insurance as well as provide you with optional unique coverage options.
If you need a provider in CA, the details below will help you make an informed decision about whether or not Allstate Auto Insurance Company is the best choice to protect yourself and your family.
California’s Compulsory financial Responsibility Law requires every driver and owner of a motor vehicle to be financially responsible for their actions and have auto liability insurance at minimum that covers $5,000 for property damage for any one accident, $15,000 for death or injury of any one person in any one accident and $30,000 for all persons in any one accident. Here’s are some of the options you may need to consider.
Standard Allstate California Auto Insurance Options
Among the options you’ll need to understand and consider are liability, collision and some other important coverage options. Here are some of the most standard and recommended coverage options.
Liability – This is used to pay for any accidents that you are responsible for. This generally covers both medical and repair costs. Bodily injury liability goes beyond that to include emergency aid at the scene, legal fees and even bail bond and funeral costs. Then there is property damage liability coverage. This is designed to pay for damage to static structures like buildings.
Collision – This is pretty much just like it sounds. This will usually pay for the actual cost of our auto if you are involved in a crash with another car, or even a stationary object like a sign or building.
Comprehensive Coverage – Of course, you are also susceptible to things like vandalism, theft, and weather. That’s what comprehensive coverage is for.
Uninsured/Underinsured Motorist Coverage (UM/UIM) – Finally, you need to be covered against damages caused to you by another driver who is not insured, or not properly insured. For that you’ll want to have uninsured/underinsured motorist coverage.
Allstate Of California: Beyond Standard Coverage
- Accident Forgiveness – Helps keep your rates form going up just because of an accident.
- Safe Driving Bonus – For every 6 months you go without an accident you may qualify for a check up to 5% of your premium.
- Collision Deductible Rewards – You can get $100 off your collision deductible the day you sign up and $100 off every year afterward as long as you don’t have an accident up to $500.
- New Car Replacement – if your new car gets totaled in the first three model years, you may be eligible to get a brand new car, not just a check for the depreciated value.
Safe Driver Discounts On California Allstate Auto Insurance
- Premier Discount – Available if you have been accident free for the past three years and clear of any moving violations.
- Premier Plus Discount – Available if you have been accident free for the past five years and clear of any moving violations.
- Defensive Driver Discount – If you are 55 or older and the principle driver of your car you can save money by taking a defensive driving course.
Safe Car Discounts On CA Allstate Auto Insurance
- Passive Restraint Systems – This includes airbags and factory installed motorized seatbelts.
- Anti-Lock Breaks – If your car has factory installed ABS you can get a discount.
- Anti-Theft Devices – Anti-theft devices can bring down your premiums.
Other Discounts From Allstate Auto Insurance Company Of California
- If you are a full-time student, under the age of 25 and unmarried who meets a required GPA you can obtain a discount on your Allstate Auto Insurance.
- If you are aged 65 or older and you drive more than a quarter of your cars total mileage, this discount can reduce the cost of your Personal Injury Protection (PIP) coverage.
- If you are 55 or older and retired you can qualify for a discount on your Allstate auto insurance.
- If you own an economy or new car you may be eligible for discounts.
- If your coverage includes a student under the age of 21 and lives at a school that is more than 100 miles away you could save money on your premiums.
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