When it comes to being a safe driver, there’s one factor with a particularly strong correlation: experience. Older drivers have wisdom accumulated from decades behind the wheel, and their experience doesn’t result in just tales from the open road — it also drives statistics that underline the safety of senior drivers.
For example, according to a study by the Insurance Institute for Highway Safety (IIHS), drivers ages 70 and above have fewer recorded accidents per capita than those in their 20s and 30s. To recognize that mature drivers are safer to insure, many auto insurance carriers offer them discounts on their coverage: mature driver discounts. Allstate is no exception.
If you use Allstate for your auto insurance and are curious about getting a senior discount on your coverage, you’re in the right place. Read on to learn more about the Allstate mature driver discount, including who qualifies and how you can start saving on your insurance premiums.
What Is the Allstate Mature Driver Discount?
The Allstate mature driver discount is a program offered by Allstate Insurance Company in states that legally mandate it. The program is for older drivers who use Allstate to insure their vehicles. These types of programs are commonly offered by insurance carriers to reward mature drivers for their safe driving and experience behind the wheel by making their auto insurance premiums more affordable.
What Are the Requirements for the Allstate Mature Driver Discount?
Allstate generally offers mature driver discounts to those who are 55 or older and live in a state that mandates mature driver discounts. You must have a clean driving record to be eligible for a mature driver discount program. Some states have other requirements, so be sure to check with your DMV or an Allstate insurance agent in your area for specific criteria you need to meet.
What Are the Requirements for the Allstate Mature Driver Discount in California?
In California, to qualify for the Allstate mature driver discount, you must:
- Be at least 55 years of age.
- Have a valid California driver’s license.
- Maintain a clean driving record.
- Have an Allstate insurance policy on at least one vehicle.
- Complete and pass a DMV-approved defensive driving course at least once every three years (more on that below).
How to Get the Allstate Mature Driver Discount
Want to start saving on your Allstate auto insurance? Here’s how to get the mature driver discount from Allstate, step-by-step.
1. Make sure you’re eligible for the mature driver program. Double-check the eligibility criteria listed above and make sure you qualify. You may also want to call your Allstate insurance agent or broker to see if there are any specific eligibility criteria for your area.
2. Sign up for a California DMV-approved mature driver course. The course may also be called a defensive driving course. These classes are designed to help you refresh your driving knowledge and skills and adapt to the changes that come with age, like natural declines in your hearing and vision. The course we offer at Traffic Safety Institute is approved by the California DMV for all counties and accepted by all major insurance carriers in the state — not just Allstate. And we’re the only California traffic school that guarantees you’ll save at least $100 on your insurance premiums, or your money back.
3. Complete and pass the course to obtain your insurance discount certificate. You’ll need to present the certificate to your Allstate insurance agent or broker in order to get your discount. Some traffic schools charge an extra fee for the certificate after you finish your mature driver course, but at Traffic Safety Institute, you receive it as soon as you finish the course and pass the final exam.
4. Submit your insurance discount certificate to your nationwide insurance office or broker. They’ll apply the mature driver discount to your premiums for the next three years.
FAQ About the Allstate Mature Driver Discount
If you still have questions about the Allstate mature driver discount, keep reading! Below are some of the most frequently asked questions about the discount, who it applies to, and how to qualify.
1. What’s the Allstate Mature Driver Discount Age?
The age you need to be to qualify for the Allstate mature driver discount can vary by state. In California, you need to be at least 55 years old, but 99% of California drivers 55 and older are eligible to take advantage of the program.
2. How Long Is the Allstate Mature Driver Discount Valid?
Your first insurance discount certificate is valid for three years.
After that, if you want to keep your mature driver discount on your insurance premiums, you’ll need to take a refresher course, which is similar to the defensive driving course, but shorter. Once you complete the refresher course, you’ll get a new insurance discount certificate, which you can present to your Allstate agent to extend your mature driver discount for another three years. You can take the refresher course and extend your discount every three years for as long as you keep driving and meet the rest of the eligibility requirements for the program.
3. How Much Can You Save With the Allstate Mature Driver Discount?
The exact amount of the mature driver discount can vary by state or even by individual insurance agent, so it’s a good idea to check with your Allstate broker to confirm the discount that they offer if you’re interested in participating in the program.
In California, however, the average discount for Allstate customers who take advantage of the mature driver discount is 10%.
According to a recent Bankrate analysis, the average yearly cost of auto insurance premiums in California is $2,291. At the average rate, a 10% discount would mean saving $229.10 per year, or $687.30 over the three years that the mature driver discount is valid after taking a defensive driving course. Of course, you can always take the renewal course to keep getting the discount for even longer than that — the savings can keep adding up for years to come.
When you take your mature driver course through Traffic Safety Institute, we guarantee that you’ll save at least $100 on your insurance premiums — but it’s easy to see how you can easily save so much more than that.
4. How Long Is the Mature Driver Course?
The DMV-approved course contains 13 modules. If you take the course in a classroom, the DMV requires you to sit for at least 400 minutes of instruction for the initial course, and 240 minutes for the renewal course.
But when you take the course online through Traffic Safety Institute, you can complete it at your own pace, from the comfort of your home (or anywhere you have access to an internet-connected device). You can take it slow and absorb every lesson — or, you can finish the course in a single sitting, like many students do.
5. How Do You Get the Allstate Mature Driver Discount?
First, make sure you meet the eligibility requirements for the mature driver discount in your state. Then, take a DMV-approved mature driver course. Once you pass the course, obtain an insurance discount certificate and present it to your insurance carrier. They’ll apply the discount to your premiums.
To keep the discount, you’ll need to take a refresher course and get a new certificate at least once every three years.
Sign Up for Your Mature Driver Course for Free with Traffic Safety Institute
There are many DMV-approved mature driver courses available online. For most of them, prices range from $40-$70 — a small price to pay for years of discounts on auto insurance, right?
Not so fast.
Many of these online traffic schools have additional hidden fees — like an extra fee for getting your insurance discount certificate after you pass the course!
At Traffic Safety Institute, there are no hidden fees, ever, guaranteed. The entire, DMV-approved course is just $24.99, which includes:
- DMV-approved course
- Guaranteed to pass
- Electronic certificate copy
- Free and fast shipping for your physical certificate copy
- 24/7 live chat support
- Audio read along
- $100 insurance savings guarantee
Plus, our mature driver course is accepted by all major insurance carriers in California, so even if you switch insurance providers, you can keep your discount. You can start the course today for free — you don’t pay until you pass. There’s literally no risk.
Ready to start saving on your Allstate auto insurance? Sign up for a mature driver course and get started, today, for free.
