If you’re hunting for ways to cut your monthly bills, an Allstate car and home insurance quote can be a smart place to start. Many families don’t realize how much they might save by bundling. Others feel overwhelmed by the questions, coverage choices, and fine print.
I’ve helped friends walk through this process, and it’s not as bad as it looks. Once you know what to expect and which numbers matter, quotes start to make sense. You can compare real options instead of guessing in the dark.
This guide breaks down how Allstate quotes work, what affects your price, and how to squeeze the most value out of a bundle in the U.S. market today.
Why People Bundle Car and Home Insurance with Allstate
At its core, bundling is simple. You place both policies with the same company. In return, the insurer often gives you a discount on one or both policies.
According to NerdWallet’s 2024 analysis of major insurers in the U.S. (nerdwallet.com), multi-policy discounts typically range from around 10% to 25%. Allstate usually sits somewhere in that ballpark, depending on your state and risk profile.
Beyond savings, some people just like dealing with one company. One app. One renewal date. One number to call when something goes sideways at 11 p.m.
A Real-Life Style Example of Bundle Savings
Here’s a realistic, simplified example for a suburban family in Ohio:
- Car insurance alone: $1,700 per year
- Homeowners insurance alone: $1,300 per year
- Total without bundling: $3,000 per year
Now, say they request an Allstate car and home insurance quote and qualify for a 18% multi-policy discount:
- New car rate: $1,394 per year
- New home rate: $1,066 per year
- New bundled total: $2,460 per year
That’s about $540 saved annually, or $45 a month. Not life-changing money, but enough to cover streaming services, a kids’ sports fee, or a few gas fill-ups.
How to Get an Allstate Car and Home Insurance Quote
You can get a quote three main ways: online, by phone, or through a local agent. Personally, I like starting online, then confirming details with an agent.
Step-by-step process
- Gather your information first
For car insurance, have your driver’s license, VIN, current policy, and mileage.
For home insurance, grab your existing declarations page, year built, square footage, and any updates. - Visit Allstate’s website
Enter your ZIP code, then choose auto and home. The website will guide you. Expect questions about drivers, cars, home features, and your claims history. - Adjust coverage choices, not just price
Don’t only click the cheapest option. Look at liability limits, comprehensive and collision deductibles, and dwelling coverage for your home. According to the Insurance Information Institute (iii.org), many U.S. homeowners underestimate replacement cost. That can hurt after a major loss. - Save your quote and contact a local agent
I recommend calling or meeting an agent with that online quote handy. A human can explain strange line items, suggest discounts, and confirm whether the numbers seem realistic for your area. - Compare against your current insurer
Don’t cancel anything yet. Line up coverages side by side. Make sure limits and deductibles actually match before you decide.
What Affects Your Allstate Quote Behind the Scenes
Insurance pricing can feel mysterious, but there’s a framework behind it. Allstate uses many of the same rating factors as other big U.S. carriers, within state rules.
Car insurance factors Allstate usually considers
- Driving record: Tickets and at-fault accidents raise prices, often for three to five years.
- Location: Busy cities with more crashes and theft cost more than rural areas.
- Vehicle type: A new luxury SUV usually costs more to insure than a used sedan.
- Mileage and usage: Long commutes or business use bring higher risk.
- Credit-based insurance score (where allowed): According to the National Association of Insurance Commissioners (naic.org), most states permit credit-based scoring, but a few, like California and Hawaii, restrict it.
Home insurance factors Allstate usually considers
- Rebuild cost, not market value: That includes materials, labor, and local construction costs.
- Roof age and type: A newer impact-resistant roof can help rates in storm-prone states.
- Distance to a fire station and hydrant: Closer often means cheaper.
- Claims history: Even small past claims can influence your homeowners quote.
- Home features: Security systems, deadbolts, and smoke detectors can unlock discounts.
Comparing an Allstate Bundle to Other Options
Bundling sounds great, but it’s not always the absolute cheapest choice. Sometimes one company is strong on auto, another leads on home. You want to compare totals, not just discounts.
Here’s a simple comparison example for a Texas household:
| Feature | Separate Policies (Mixed Insurers) | Allstate Bundled Policies |
|---|---|---|
| Annual car premium (USA) | $1,500 | $1,600 |
| Annual home premium (USA) | $1,400 | $1,200 |
| Multi-policy discount | $0 | 18% included above |
| Total annual cost (USA) | $2,900 | $2,800 |
| Pros | Best-in-class auto coverage | One company, simple bills |
| Best for | Drivers chasing maximum car perks | Families wanting convenience and savings |
Notice something important here. Allstate isn’t cheapest on auto in this example. But the home discount and bundle still win overall. That’s why you always compare the total yearly cost, not just one line.
Smart Ways to Lower Your Allstate Car and Home Insurance Quote
You can’t control everything, but you can nudge your quote down.
- Raise deductibles carefully
Going from a $500 to $1,000 deductible often cuts premiums. Just be sure you could actually pay that amount in an emergency. - Use telematics if you’re a good driver
Allstate’s programs, like Drivewise, track driving habits with an app or device. Safe drivers may see noticeable discounts over time. - Improve home safety
Adding a monitored alarm, smoke detectors, and deadbolts may unlock home discounts. In some areas, water leak sensors also help. - Keep your credit healthy
Pay bills on time, keep balances low, and avoid unnecessary new accounts. Based on research summarized by Investopedia (investopedia.com), better credit often leads to better insurance rates in states where it’s allowed. - Ask about overlooked discounts
There are often savings for automatic payments, good students, new homes, or going claim-free. Agents sometimes assume you already know, so it’s worth asking directly.
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Frequently Asked Questions About Allstate Car and Home Insurance Quotes
1. How do I get the cheapest Allstate car and home insurance quote?
Compare several coverage levels, not just one preset package. Raise deductibles if you can afford higher out-of-pocket costs. Add discounts where possible, like telematics, protective devices, and auto-pay. Then compare your final bundle price against at least one other major insurer before switching.
2. Is an Allstate car and home insurance bundle always cheaper than separate policies?
Not always, but often. The multi-policy discount usually helps, especially on homeowners premiums. However, another company might offer a rock-bottom auto rate for your specific profile. That’s why you should compare the combined annual cost of both policies, not just the discount percentage.
3. Does getting an Allstate quote hurt my credit score?
No, requesting an Allstate car and home insurance quote does not count as a “hard” credit inquiry. Insurers may use a credit-based insurance score in many states, but that’s considered a “soft” pull. Soft checks don’t impact your FICO score the way a loan or credit card application might.
4. How long is an Allstate car and home insurance quote good for?
Most quotes are good for a short window, often around 30 days. The exact period can vary by state and situation. Rates can change if there’s new information, a claim, or a broad rate filing in your state. Always confirm the expiration date printed on your quote or email.
5. What information do I need for an Allstate auto and homeowners quote?
For auto, you’ll need driver’s licenses, vehicle identification numbers, current mileage, and your existing policy. For home, you’ll want your current homeowners declarations page, year built, square footage, roof details, and any recent updates like plumbing or electrical. Having clear, accurate details upfront usually leads to a smoother quote and fewer surprises later.