Despite being around for almost 10 years now, should one
read the proverbial “fine print” before availing themselves of Allstate’s Safe
Driving Bonus Check?
By: Ringo Bones
When I first saw the Allstate Safe Driving Bonus Check
advert back in 2007 and the related TV ad featuring The Unit’s Dennis Haysbert,
it seems that Allstate’s scheme to drag more customers to avail themselves of
their “novel” Car Insurance / Auto Insurance policy scheme seems too good to be
true for giving you a bonus if you don’t have an accident claim for six months –
and it really is by the time you read the fine print – it is not available in
all states in the United States, especially in the state of California. But if
the “positive aspects” of Allstate’s Safe Driving Bonus Check is available in
your territory, is it a really beneficial bonus of one’s car insurance / auto insurance
policy?
The Safe Driving Bonus Check provides a credit to Allstate
insured drivers that do not have a claim within a specified policy term for at
least six months. The allotted credit is up to 5 percent of the policy insurance
premium, applied to your renewal policy. For example, if you pay $500 for six
months of car insurance, you are eligible to receive a $25 credit for your next
six-month policy term. In other words, you would only have to pay $475 for your
next six months with Allstate. This may seem to do wonders to your car insurance premiums, but as always, there are some minor catches.
The minor catches are: In order to qualify for any of this,
you must first be enrolled in Allstate Your Choice Auto program. Allstate Your
Choice Auto requires you to have a clean driving record and good credit – i.e.
insurance score. If you are eligible or already enrolled, the Safe Driving
Bonus Check may not be available until your next policy renewal and
additionally, any bonus under $5 will only be applied to your renewal premium.
So if you don’t stay insured will Allstate, all bets are off.
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