Your Choice Auto from Allstate Program

Allstate is the largest publicly held insurance company in the United States. Currently, Allstate provides insurance coverage to more than 17 million households. According to Allstate’s website, they insure every nine autos and one out of every eight homes in the U.S. Additionally; they are one of the country’s leading life insurers.

Founded in 1931, Allstate has been providing insurance to Americans for 76 years. Currently, Allstate employs more than 70,000 insurance professionals. They have earned a reputation as being a fair and honest insurance company.

Recently, Allstate unveiled the Your Choice Auto program. This unique insurance policy offers affordable options and rewards safe drivers. There are four plans available through Your Choice Auto: Platinum, Gold, Standard and Value. Each offers its own unique features.

As with most things, the Platinum plan offers the most options. If you tend to be accident prone, consider investing in the Platinum plan. Doing so can prevent your rates from increasing, even if the accidents are your fault.

The Platinum plan offers deductible rewards. The day you sign up you’ll receive a $100 discount off your collision deductible. For each year you don’t have an accident, you receive an additional $100 off the collision deductible. The maximum savings is $500.

The Platinum plan offers an additional 5 percent discount off your insurance premium for every six months of accident-free driving. This means you can save an additional 10 percent each year.

The Your Choice Auto Gold plan, offers accident forgiveness for one accident. Allstate guarantees your rates will not increase if you are involved in an accident while covered under the Gold plan — even if it is your fault. Considering that most insurance companies raise your premiums by 40 percent or more, this can result in significant savings.

In addition, the Your Choice Auto Gold plan offers the same deductible rewards as the Platinum plan. You’ll also be able to enroll in the new car replacement plan, which allows you to replace your new car with the same or similar model, should it become totaled due to an accident.

The Your Choice Auto Standard Plan allows you to enroll in the accident forgiveness program after you have been a policyholder for five years. There are eligibility rules which you will have to comply with before you can obtain this bonus coverage.

The Your Choice Auto Value Plan does not offer any bonus rewards or optional benefits.

Allstate offers an easy-to-use interactive auto insurance guide which walks you through the process of determining which coverage options are best for you. This guide shows you the insurance requirements of your state, along with the most common coverage options chosen by other policyholders.

In order to take full advantage of the auto insurance guide interactive service, you will need to have the following information available:

 Year, make and model of each vehicle you will be insuring
 Copy of your current insurance policy
 Accident dates and violations for every driver, if applicable
 Driver’s license number for each driver

To learn more about Your Choice Auto from Allstate, visit their website at www.allstate.com.