When it comes to protecting your most valuable assets—your vehicle and your home—insurance is not a luxury, it's a necessity. One of the most trusted names in the industry, Allstate, offers comprehensive coverage options for both car and home insurance. Even better, they provide a bundled quote system that makes it easier and more affordable for customers to protect everything they care about.
In this guide, we'll break down exactly how you can get the best Allstate car and home insurance quote in 2025, what factors affect your quote, and why bundling your insurance policies can help you save big.
Why Choose Allstate for Car and Home Insurance?
Allstate has been a household name in American insurance for decades. Here’s why millions of policyholders trust them for both car and home coverage:
✅ Reputation and Reliability
Founded in 1931, Allstate has built a reputation for dependable coverage, fair pricing, and excellent customer service. With a strong financial backbone and thousands of local agents across the country, Allstate provides both convenience and peace of mind.
✅ Customizable Coverage
Allstate allows you to personalize your policy to suit your needs. Whether you're insuring a luxury vehicle or an older home, they offer flexible plans that adjust to your budget and requirements.
✅ User-Friendly Technology
Through the Allstate mobile app and website, you can manage your policies, file claims, get support, and request quotes anytime—making the whole process seamless.
✅ Discounts and Rewards
From safe driving discounts to bundling savings, Allstate offers multiple ways to lower your premium and maximize value.
What is an Insurance Quote?
Before purchasing a policy, insurers give you an estimate of what your coverage will cost. This estimate is called a quote. The quote is generated after evaluating various factors, such as your personal information, vehicle/home details, location, coverage needs, and more.
A quote is non-binding, meaning you're not obligated to buy—but it helps you compare options and plan your budget effectively.
How to Get a Car and Home Insurance Quote from Allstate
Getting a quote from Allstate is a simple process. You can do it online, by calling an agent, or even visiting a local Allstate office. Here’s how to get started:
✅ Step 1: Go to the Allstate Website
Visit allstate.com and click on “Get a Quote.” Choose whether you want auto, home, or bundle both.
✅ Step 2: Enter Personal and Property Information
You’ll be asked to provide:
- Name, address, and contact details
- Vehicle make, model, year, and VIN
- Home type, square footage, and construction materials
- Driving history and claims record
- Current insurance details (if any)
✅ Step 3: Customize Your Coverage
Allstate allows you to adjust:
- Deductibles
- Coverage limits
- Add-ons (e.g., roadside assistance, flood insurance)
✅ Step 4: Review and Compare
Once you’ve entered all the information, Allstate will show you a personalized quote. You can compare prices for separate and bundled policies, and even see how different deductibles impact your premium.
Benefits of Bundling Car and Home Insurance with Allstate
Bundling is when you buy multiple insurance policies from the same provider—like car and home insurance—from Allstate. Here’s why that’s smart:
💲 Save Money
Allstate offers up to 25% discount when you bundle your auto and homeowners insurance. These savings can add up to hundreds of dollars annually.
📑 One Bill, One Policyholder Account
Bundling means fewer headaches with paperwork, billing cycles, or managing multiple providers.
💬 Streamlined Claims Process
If your home and car are both affected in a natural disaster (like a hailstorm), managing both claims through a single company simplifies communication and recovery.
What Affects Your Allstate Insurance Quote?
Several variables influence the price you’re quoted. Understanding these factors can help you make smart choices and possibly lower your costs.
🏡 Home Insurance Factors:
- Home age and condition
- Location and crime rates
- Proximity to fire stations
- Construction materials (brick vs. wood)
- Roof condition
- Previous claims history
🚗 Auto Insurance Factors:
- Driver age and gender
- Driving record
- Vehicle type and safety features
- Annual mileage
- Where the car is parked (garage vs. street)
- Credit score (in applicable states)
Tips to Lower Your Insurance Premiums
Here are some practical ways to get a better rate on your Allstate quote:
✔ Bundle Your Policies
As mentioned earlier, this is the easiest and most effective way to save money.
✔ Increase Your Deductible
A higher deductible often results in a lower monthly premium. Just make sure you can afford it if a claim arises.
✔ Install Security Systems
Burglar alarms, smoke detectors, and car anti-theft devices can all qualify you for discounts.
✔ Maintain a Clean Record
Safe drivers with no claims often pay significantly less.
✔ Monitor Your Credit
In many states, a better credit score can translate to lower insurance costs.
Real-Life Example: A Bundled Quote Comparison
Let’s say John from Dallas, TX owns a 2022 Toyota Camry and a 2-bedroom home built in 2005. He’s a safe driver with no prior claims.
Scenario 1: Separate Policies
- Auto Insurance: $1,600/year
- Home Insurance: $1,200/year
- Total: $2,800/year
Scenario 2: Bundled with Allstate
- Combined Premium: $2,100/year
- Annual Savings: $700
That’s almost a 25% discount, which is pretty significant over time.
Final Thoughts
Choosing the right insurance provider doesn’t just give you financial coverage—it gives you peace of mind. Allstate stands out as a reliable, customer-focused company offering excellent car and home insurance options.
By bundling both your policies and taking advantage of discounts, you can get a comprehensive coverage plan at a competitive price. Whether you’re a homeowner looking for better protection, or a car owner aiming to cut down costs, getting a quote from Allstate is worth your time.
🟢 Ready to Get Your Quote?
Visit Allstate's Quote Page today and see how much you can save by bundling your car and home insurance!
