24/7 Roadside Assistance: If you want roadside services, such as tire changes, battery replenishment, fluid delivery (gas, oil, etc.) or towing, you’ll want to purchase this optional coverage. The General’s roadside assistance is administered by Nation Safe Drivers (NSD). When you request roadside assistance, NSD will administer up to one service free of charge per instance. The towing service has a maximum benefit of 15 miles or $50, whichever is reached first. To request roadside assistance, The General’s customers can dial 1-800-338-2680.
In order to prove satisfactory academic achievement and receive the discount, students need a current transcript or a letter signed by a school administrator. Students who are homeschooled can present standardized test results, such as their SAT or ACT scores, that are within a desired percentile range in order to qualify. Good grades can continue saving you money after graduation as some insurance companies extend this discount to post-grads for a limited time.
Allstate has had past customer complaints of offering a "low, attractive premium" to get new customers to switch to Allstate. This is common practice with many insurers, so although it seems unfair to increase premiums after the insurance company has gotten a new client, new business discounts or incentive programs to gain new clients is not necessarily something that one should consider a negative if used within reason.
Insurance contracts were traditionally written on the basis of every single type of risk (where risks were defined extremely narrowly), and a separate premium was calculated and charged for each. Only those individual risks expressly described or "scheduled" in the policy were covered; hence, those policies are now described as "individual" or "schedule" policies.[13] This system of "named perils"[14] or "specific perils"[15] coverage proved to be unsustainable in the context of the Second Industrial Revolution, in that a typical large conglomerate might have dozens of types of risks to insure against. For example, in 1926, an insurance industry spokesman noted that a bakery would have to buy a separate policy for each of the following risks: manufacturing operations, elevators, teamsters, product liability, contractual liability (for a spur track connecting the bakery to a nearby railroad), premises liability (for a retail store), and owners' protective liability (for negligence of contractors hired to make any building modifications).[13]
Endorsements - Additional forms attached to the policy that modify it in some way, either unconditionally or upon the existence of some condition.[27][28] Endorsements can make policies difficult to read for nonlawyers; they may revise, expand, or delete clauses located many pages earlier in one or more coverage forms, or even modify each other. Because it is very risky to allow nonlawyer underwriters to directly rewrite policy forms with word processors, insurers usually direct underwriters to modify them by attaching endorsements preapproved by counsel for various common modifications.
Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.

Each auto insurance company emphasizes its cheap rates. But as with any product or service, the cheapest car insurance option isn't always the best choice. Considering what's at stake, it's worth doing the research to find the policy that protects your vehicle adequately after an incident. Be patient and look for a great value, rather than settling for the cheapest auto insurance you find.


Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims. In regards to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles. Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the trade-off.
Accidents can happen to anyone, and Allstate has an optional program called Your Choice Auto® in place that recognizes and rewards safe driving. We calculate that it costs about 12 - 18% on top of the standard policy premium, but can be a net 7 - 13% increase when factoring in the safe-driving bonus. Your Choice Auto allows qualified customers to save with the following features:
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.

Compare top insurers' financial strength and claims satisfaction ratings to better understand the level of service they will provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Superior" to "Poor" — evaluates an insurer's financial strength and ability to fulfill its contractual and policy obligations.


Review popular insurance companies' financial strength and claims satisfaction levels to better understand the level of service you'll receive. Claims satisfaction — assigned by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — determines an insurance company's financial stability and ability to fulfill its policy and contractual obligations.
Each state has different requirements when it comes to car insurance. Many simply require liability insurance (both bodily injury and property damage). Others go a step or two further, requiring add-ons such as personal injury protection and uninsured or underinsured motorist coverage. Visit the table below and locate your state to find your state’s requirements.
"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at Cheap Car Insurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]
NerdWallet averaged rates for 30-year-old men and women for 10 ZIP codes in each state and Washington, D.C., from the largest insurers in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
For the minimum required coverage in Colorado, be prepared to pay a mean of $647 annually. This is cheaper than the nationwide average by 2%. If you opt for better car insurance coverage, you can select a policy with comprehensive and collision coverage, insuring against the costs of auto collisions, theft, or weather incidents. It's worth noting that better coverage comes at a cost: in Colorado, a comprehensive policy with a $1,000 deductible costs $1,273, 97% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 122% more than you might for a basic liability-only policy.

Los Angeles is a city full of dreams, desires and plenty of sun. Living here means you have access to everything that is great about California: a bustling economy, attractions, schools, nightlife and great communities. The atmosphere is kinetic and at times busy. Commuting is a way of life you could say. The best parts of Los Angeles are the things that tourists never see. The great culture of this large melting pot. The quaint homes build in... the mid-century, and the history of the land. From new age buildings to old Pueblo-style architecture, Los Angeles has a little bit of everything. You can explore this city for years and still not see all that she has to offer. One thing that you can be sure of, is getting a good deal on your cheap insurance.
While creating a profile does not guarantee Allstate's business, it gives corporate decision-makers the information necessary to identify qualified prospective suppliers who may be able to meet their product or service requirements for business operations. If we determine there is a need for your product or service, the appropriate Allstate representative will contact you.

According to NAIC complaint data, customers of Allstate complain less than the national average for complaints received by auto insurance companies. Allstate's "Claims Satisfaction Guarantee" may help in reducing the number of complaints lodged against the insurer. With the guarantee, the insurer gives customers a six month credit for their premium if they have a dissatisfactory claims experience.

If you’re drawn to The General because of a poor driving record or credit score, we recommend looking at Progressive first. While Progressive scores lower in financial strength and claims satisfaction than the top insurers in the industry, it offers unique discounts and supplemental coverage options specifically tailored for high-risk drivers, including a rare discount for drivers under 18. Because of its rare coverage options and financial strength ratings, Progressive is likely a better option than The General for most drivers.
After seeing television commercials for The General for about two years, I finally decided to check out their website and compare coverage and cost. I was pleasantly surprised that I was able to save $40 per month on my full coverage auto insurance. At first I was a little wary, but after I talked with a customer service representative, I felt more secure in my decision to switch to The General. I have not had… read more
Allstate offers a wide range of products that allow them to fully service their customers in a wide range of insurance needs. This provides an opportunity to build strong relationships with Allstate Agents, and a good opportunity for a one-stop shop insurance provider. Allstate's wide range of products offers a potential advantage to consumers over other insurance companies that have less product availability. Read more about this aspect of the section: "How thoroughly can Allstate service their customers?".
Accidents can happen to anyone, and Allstate has an optional program called Your Choice Auto® in place that recognizes and rewards safe driving. We calculate that it costs about 12 - 18% on top of the standard policy premium, but can be a net 7 - 13% increase when factoring in the safe-driving bonus. Your Choice Auto allows qualified customers to save with the following features:
Virginia has a 10-year lookback period for most offenses, though subsequent offenses committed within five years may lead to harsher penalties. Penalties are also enhanced for high or extremely high BAC levels or for committing a DUI offense while transporting a passenger who is 17 years old or younger. All DUI offenders must report to an Alcohol Safety Action Program for screening and review. There may be a required attendance in classes or treatment before license reinstatement.
The idea for Allstate Insurance Company came during a bridge game on a commuter train in 1930, when insurance broker Carl L. Odell proposed to Wood, his neighbor, the idea of selling auto insurance by direct mail. The idea appealed to Wood, and he passed the proposal to the Sears board of directors, which approved it. Allstate Insurance Company, named after Sears’ tire brand, went into business on April 17, 1931, offering auto insurance by direct mail and through the Sears catalog.[9] This was in line with one of the objectives of a company to sell automobile insurance in the same manner as Sears sold its merchandise.[10]
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