One of Allstate’s main pros is the number of coverage and add-on options it offers, which you may not find everywhere. Additionally, its new car discount makes it a good choice for Louisianians behind the wheel of brand-new rides.
Many Coverages and Add-Ons
As a major insurer, Allstate offers all typical coverages like liability, medical payments, roadside assistance, rental reimbursement, comprehensive, and collision. It also offers the following additional coverages and add-ons.
|If you drive for Uber, Lyft, or another service, the rideshare company’s insurance usually does not cover you unless you are transporting a passenger. Allstate’s Ride for Hire coverage protects you when the rideshare company doesn’t — including deductible gap coverage for your vehicle of up to $2,500.
|Upon adding to your policy, Allstate immediately reduces your collision coverage deductible by $100. Your deductible decreases another $100 every year you go without an accident, for a maximum of $500.
|Safe driving bonus
|For every six months you drive without an accident, Allstate issues a payout in the form of credit to your policy.
|Classic car coverage
|Allstate offers special insurance to a wide variety of classic cars, including antiques, modern classics, collector vehicles, muscle cars, custom builds, vehicles under restoration, modified vehicles, hot rods, replicas, and even old military vehicles and retired fire trucks.
|Mexico car insurance
|If you’re planning a road trip to Mexico, you’ll need a special tourist policy separate from your domestic policy. Allstate can provide coverage for you and your vehicle for trips of up to a year long.
New Vehicle Discount
Insuring a new car can be expensive, in part due to the vehicle’s higher value. Allstate offers a special new car discount, which you qualify for if:
- Your vehicle is a current model year or one prior.
- You are the vehicle’s first owner.
According to the National Automobile Dealers Association, new car registrations in Louisiana
account for 1 percent of total U.S. new vehicle registrations.10
Even if you don’t qualify for the new car discount, Allstate offers discounts for features many newer cars have, such as anti-lock brakes and anti-theft technology. It also has a multivehicle discount for insuring multiple cars on the same policy.
Several Paths to Student Discount
Louisiana is home to big universities like Louisiana State University and Tulane University, as well as smaller schools like Loyola University New Orleans. Whether you’re a student at one of these schools or another, or still in high school, you may be able to earn Allstate’s student discount.
To qualify for Allstate’s student discount, you must be unmarried and under age 25, and fulfill one of the following:
- Hold at least a 2.7 GPA or B minus average (many companies require a 3.0 GPA/B average)
- Attend school at least 100 miles away from where the car is garaged
When you’re shopping for car insurance in Louisiana, make sure you’ve compared quotes from multiple car insurance companies. The cheapest car insurance company for you may not be the most affordable option for someone in another zip code.