Allstate Senior Car Insurance Discounts [2024]

Allstate car insurance is fairly popular in the auto insurance community, which leads many people to wonder what sort of Allstate rewards are offered for their customers. This includes those within the senior community. Senior discounts on insurance may help reduce costs associated with insuring a vehicle. While Allstate offers several discounts that could apply to seniors, it does not provide a specific senior discount.

Read more: Discounts on Auto Insurance Coverage for Seniors

Here we’ll look at Allstate discounts that apply to many senior drivers, as well as other ways seniors can save money on their Allstate car insurance. 

What Allstate discounts may apply to seniors?

To get cheaper car insurance, consider which of the following car insurance discounts may apply to you based on your driving habits and needs:

• Safe driving club. If you have not had an accident or a claim in a long time, you may qualify for the safe driving club discount. The Allstate Safe Driving Bonus program gives you a bonus every six months if you don’t have an accident.
• Milewise. Seniors who do not drive many miles per year may wish to consider Milewise, a program that allows you to pay for your insurance based on the number of miles you drive. (For more information, read our “Allstate Milewise Review: Compare Rates, Discounts, & Requirements“).
  
• Multiple policy discounts. Allstate offers a discount if you bundle your home and auto insurance and other policies together into one.
• Defensive driving course. Some seniors may wish to take a defensive driving course. Doing so from an accredited institution could mean a discount for seniors.
• Safety features. Drive a vehicle with built-in safety features, including electronic stability control and forward collision warning. Anti-theft devices may also help minimize risk to your vehicle, therefore helping you qualify for a discount.
• Set a higher deductible. You may be able to lower your car insurance premium by increasing your deductible. Allstate allows drivers to choose a deductible ranging from $0 to $1,500, but remember, a higher deductible means more out-of-pocket expense in the event of a crash. 

You can ask an Allstate representative if you qualify for any of the above discounts.

Read more: Allstate Family Car Insurance Discounts

How does becoming a senior citizen impact your insurance rates?

The cost of insurance for seniors depends on multiple factors. That includes your driving record, the value of your car, and how much you drive. For some seniors, costs fall significantly because they no longer commute to and from work and may qualify for a low mileage discount.

Some seniors, especially those over 65, may see rates begin to climb because, on average, risks increase. Factors that may cause this include:

• Slowed reaction time. According to the National Institute on Aging, Seniors may have slower reaction times while driving than they did when they were younger. Your reflexes may not be as good as they used to be. 
• Medications. Are you taking any medications that could impact your driving? Be sure to read the label of any medications to determine if you should be driving while taking them.
• Vision and cognitive changes. As a person gets older, cognitive decline and vision loss could make driving riskier.

Not everyone experiences these issues, but drivers can minimize the impact of aging by driving courteously and defensively and always leaving plenty of space for the vehicles around them.  

How can you get cheap insurance for seniors?

Senior discounts on insurance may be possible if seniors work to minimize the amount of risk they present to insurers. Some additional ways to get car insurance discounts include the following:

• Make your payment in full instead of month-to-month payments
• Maintain continuous coverage without any gaps
• Live in an area that has lower accidents and is considered safer
• Shop around with different insurance companies
• Ask for an early signing discount when you pay your policy seven or more days prior to it becoming effective

These small steps can help you access the lowest possible price for your car insurance. 

Read More: How do you get Allstate car insurance quotes online?

Case Studies: Allstate Senior Car Insurance Discounts

Case Study 1: Jane’s Safe Driving Discount

Jane, a 68-year-old senior driver, has been insured with Allstate for several years. She has maintained a clean driving record and has never been involved in any accidents. As a result, Jane qualifies for Allstate’s safe driver discount, which helps lower her car insurance premium. By taking advantage of this discount, Jane saves a significant amount on her annual car insurance costs.

Case Study 2: Mark’s Multi-Policy Discount

Mark, a 72-year-old senior, has both his car and home insurance policies with Allstate. As a loyal customer, Mark qualifies for Allstate’s multi-policy discount, which offers savings for customers who bundle multiple policies. By combining his car and home insurance, Mark enjoys a discounted rate on both policies, resulting in overall cost savings.

Case Study 3: Sarah’s Vehicle Safety Features Discount

Sarah, a 65-year-old retiree, recently purchased a new car equipped with advanced safety features such as lane departure warning and forward collision warning. Allstate offers a discount for vehicles with these safety features, helping seniors like Sarah save money on their car insurance.

By taking advantage of this discount, Sarah not only benefits from enhanced safety features but also enjoys reduced insurance premiums.

The Bottom Line on Allstate Senior Discounts and Coverage

Allstate is one carrier that doesn’t offer a specific senior discount, but it does provide a range of discounts that could reduce what you pay. What’s most important is comparing multiple policies and insurers to find the coverage that fits your specific needs. Make sure to get several different senior discount car insurance quotes to help you see which insurer can save you the most.