Insurers usually weigh several factors when it comes to car insurance rates. Common among them are speeding tickets, DUIs, credit and moving violations. But beyond that, insurers also consider specific risks like the rates of accidents, vandalism and theft in your area, which result in higher claim rates.

All these factors can help insurance companies understand how likely you are to file a claim. Now that you understand some of the reasons why auto insurance rates can increase, here are a few ways Allstate can help you lower your premium.

Bundle and save with Allstate¹

Save up to 25%² when you bundle auto and home with Allstate. Get multiple policy savings off both your home and auto policies. You could also save by bundling auto with condo, renters or motorcycle. On top of saving money, you'll also be able to access all your policies with a single login on the Allstate mobile app, where you can review coverages, make payments and more.

Enable telematics to get personalized savings based on your driving

Telematics programs allow you to share your driving information through the Allstate mobile app or a device that plugs into your vehicle. Using telematics, you can get an auto policy based on your driving, which allows you to control your costs. Allstate offers two telematics based insurance options to help you save money: Drivewise® and Milewise®.

Enroll in Drivewise
Drivewise³ is free and can be added to any Allstate auto policy. It helps you save based on your safe driving giving you an even more personalized price based on you. Plus, you’ll get savings just for activating Drivewise in the mobile app and staying connected. Maximize your savings by having all drivers in your household connect. Safe speeds, safe stops and safe driving hours are just a few of the ways you can keep insurance costs down. The safer you drive, the less you’ll pay.
Switch to Milewise from Allstate
Milewise^⁴ lets you pay a daily base rate plus a per-mile rate when you drive. It's perfect for people who work from home, have short commutes, are stay-at-home parents or are retired. Milewise also gives you more transparency and control over how much you pay for insurance allowing low-mileage drivers to save 50%^⁵ over traditional insurance policies.