Allstate rating: 4.3 out of 5 stars In addition to its cheap car insurance rates, Allstate stands out for offering discounts and perks to safe drivers. These include the Safe Driving Bonus program, which issues bonuses every six months if you’re accident-free in the form of credits to your policy, and the Deductible Rewards program, which reduces your deductible every year you’re accident-free. Here’s everything you should know about Allstate car insurance before deciding if it’s the right insurance for ...