The Allstate Responsible Payer Discount is one easy way to save on car insurance–and all you have to do is pay on time and make sure you don't miss any payments.
Car insurance
is mandatory in nearly every state, but—depending on your profile—coverage can definitely get expensive. When there are discounts available to reduce your insurance expenses, why not take advantage of them? After all, lower rates means more money in your pocket.One of those possible cost reductions for drivers is a discount that comes when you're paying on time. Allstate Auto Insurance calls this the Responsible Payer Discount
. If you've been looking into Allstate, you might be wondering—what is this discount and do I qualify for it? Read on to learn more about Allstate's Responsible Payer Discount, with a little help from car insurance broker Jerry
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What is the Allstate Responsible Payer Discount?
Also known as a good payer discount by other auto insurance companies, the Responsible Payer Discount is a discount offered by car insurance companies that gives you money off your car insurance simply by paying on time.
Whether you decide to pay your premiums monthly, quarterly, semi-annually, or annually, you can save money on car insurance by avoiding cancellation notices for not paying your premiums.
If you’re an Allstate home insurance customer, you could also receive a discount for paying on time.
The Responsible Payment Discount on homeowners insurance works in much the same way. If you have home insurance with another company, check in with them to see if they carry a similar discount that you might qualify for.
How much is the Responsible Payer Discount?
For car insurance, you can save 5% annually by receiving the Responsible Payer Discount. On its own, it doesn’t seem like very much that you save, but it adds up when you combine it with other discounts like a 10% FullPay discount, a 10% early signing discount, and bundled insurance
discounts. For homeowners insurance, your discount for responsible payment varies depending on your property and profile.
How do I qualify for Responsible Payer Discount?
The criteria to qualify for the Responsible Payer Discount are extremely easy—you automatically start with it! Instead, it’s a discount that you can lose if you don’t make your payments on time.
You’ll lose the discount once you receive a notice of cancellation due to non-payment, so it’s all the more important to ensure you pay on time.
If you’ve lost your discount
If you’ve lost your Responsible Payer Discount for home or auto insurance, it isn’t necessarily gone for good. You can get it back by maintaining a full 12-month period of on-time payments without receiving a cancellation notice.
Other ways to save with Allstate and other insurance companies
For both homeowners insurance and auto insurance policies, there are multiple ways you can trim down your premiums through valuable discounts. If you're buying insurance, ask your agent about these possible discounts.
Homeowners insurance discounts include:
Up to 20% off for maintaining a claims-free status
A discount for switching from a competitor
Savings for buying a home recently or purchasing a new home
Up to 5% off for signing up for automatic payments
Savings for having fire and theft protection devices in your home
Auto insurance discounts through Allstate (and other carriers) include:
Savings for owning a car less than two years old (this is also called a new car discount)
Discounts for an anti-theft device
Multiple auto insurance policies
And if you want to shop around to search for discounts and low premiums with other carries, give the car insurance shopping app Jerry
a try. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. This level of service is why Jerry earned a 4.6/5 rating on the App Store and made it the top insurance app in the country.