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Thursday, April 22, 2010
Monday, January 25, 2010
Step to Step Guide to Paying Off Debt
A Step-by-Step Guide to Paying Off Debt
How much should I set aside for emergencies?
Getting out of debt sounds great, but a lot of people find it hard to do. The overall process is pretty simple: Rein in your spending, and throw all the money you can at one debt at a time until each is paid off.
Unfortunately, “simple” isn’t the same as easy. Some of the steps in this process are huge and could take months. You have to truly want to get this weight off your shoulders—but when you see the progress you can make in even one month, you’ll realize the trouble is worth it.
Here’s the ‘Paying off Debt’ process, one step at a time:
1. Stop spending.
There’s no way around this. If you want to be debt-free, you have to stop getting further into debt. If your monthly bills are higher than your income, you might have no choice—though you can still try to spend less on the more flexible things like clothing.
Take the Next Step
Take your credit cards out of your wallet and put them somewhere safe.
Erase any credit card info saved on your favorite shopping websites.
2. Find out where you stand.
It might take a while, and it will probably be painful—but it could also be one of the best gifts you ever give yourself. Make a list of all your debts: who you owe, the balance, the interest rate, and the monthly payment. Also make note of your monthly take-home pay, plus any extra cash that floats your way on a regular basis.
Take the Next Step
Gather your statements from the past few months, if you have them.
Start your debts list, and note whether any are late, about to go to collections, or already in collections.
Take a breather. This is tough, emotional work and if you need a time-out, you should take it. And don’t worry; this will get easier.
3. Figure out how much extra you can pay each month.
Take a close look at your credit card and bank statements (or your tracking sheet, if you've been keeping one). Label each transaction as a bill (which you have to pay), a necessity (things you need but could spend less on, like groceries), or optional spending (things you don’t need and can’t afford right now, like movie tickets).
Add your costs for the first two categories together. The difference between that and your monthly take-home pay is what you can use to pay down your debts. (This number will change over time, so don’t be discouraged if it’s small or even below zero right now.)
Take the Next Step
Learn how to track your spending.
4. Try to get your interest rates lowered.
If credit card debt is what’s weighing you down (as it does so many Americans), just a few minutes of work on your part could give you a lower interest rate, which will mean lower monthly payments. In many cases, you just need to call the number on the back of the card and ask to have your rate lowered. If you aren’t eligible for a rate reduction, you might consider transferring all or part of your balance to a card with lower interest. (Pay close attention to the balance transfer fees; they could wipe out any savings you get from the lower interest rate.)
Getting your interest rate lowered on a mortgage, car loan, or other loan is a different story, unfortunately. You would need to refinance the loan, which can have costs of its own and be difficult if your credit score has taken a hit lately.
Take the Next Step
Call each credit card company you owe and ask for a lower interest rate.
Reward yourself for the steps you’ve taken so far (preferably without spending money).
5. Begin gathering extra dollars to put toward your payments.
You actually started doing this back in Step 3. Take it further by taking a closer look at your spending. What can you cut out or reduce? Be creative!
Have you considered ways you might bring in extra money? If you haven’t asked for a raise recently, now could be a good time. You could also volunteer for overtime, pick up a second job, or put a hobby like woodworking or sewing to work for you. The possibilities are endless, and a little effort could go a long way.
Take the Next Step
Think of three ways to bring in extra income—even a small amount.
Choose four simple ways to lower your spending.
6. Pay those extra dollars toward one debt until it's gone.
Each month you’ll pay all your minimum payments like usual. All the extra money you’ve saved up over the month will go toward your worst debt—the one with the highest interest rate.
Take the Next Step
Look over your list of debts and decide which to pay off first.
Set up a way to set aside the extra dollars you’re saving so they don’t get spent. (A high-yield savings account works for a lot of people.)
7. Celebrate your first debt pay-off and move on to the next.
How much should I set aside for emergencies?
Congratulations! As the burden starts to lift, take the time to reward yourself and your family for the work you’ve done. Chances are you’ll be eager to move on to the next debt. Remember the minimum payment you used to send to the debt you just paid off? Add that to your extra debt payment every month and your pay-off will start to pick up speed.
Take the Next Step
Choose the next debt to pay off.
Have the minimum payment amount from your first debt automatically transferred into your savings account so it doesn’t get spent by accident.
8. Keep doing this until you're debt free.
Every time you pay off a debt, add the old minimum payment amount to the extra monthly debt payment you put together in Step 6. Once you knock out a couple of these debts, you could be paying hundreds extra each month without noticing any change in your daily spending habits.
As you get close to your goal, think about how you’ll use this big chunk of money once you no longer have a debt to use it on.
Take the Next Step
Take a look back at the new habits you’ve picked up during this process. How will you keep them going when you’re debt-free?
Choose the account you’ll transfer your money to each month once you’re debt free. IRAs, mutual funds, and savings accounts are all great ideas. IRAs, mutual funds, and savings accounts are all great ideas.
For this and more visit:
My Allstate Financial.Com
Allstate Insurance Auto Quote
Allstate Homeowners/ Renters/ Condo Insurance
How much should I set aside for emergencies?
Getting out of debt sounds great, but a lot of people find it hard to do. The overall process is pretty simple: Rein in your spending, and throw all the money you can at one debt at a time until each is paid off.
Unfortunately, “simple” isn’t the same as easy. Some of the steps in this process are huge and could take months. You have to truly want to get this weight off your shoulders—but when you see the progress you can make in even one month, you’ll realize the trouble is worth it.
Here’s the ‘Paying off Debt’ process, one step at a time:
1. Stop spending.
There’s no way around this. If you want to be debt-free, you have to stop getting further into debt. If your monthly bills are higher than your income, you might have no choice—though you can still try to spend less on the more flexible things like clothing.
Take the Next Step
Take your credit cards out of your wallet and put them somewhere safe.
Erase any credit card info saved on your favorite shopping websites.
2. Find out where you stand.
It might take a while, and it will probably be painful—but it could also be one of the best gifts you ever give yourself. Make a list of all your debts: who you owe, the balance, the interest rate, and the monthly payment. Also make note of your monthly take-home pay, plus any extra cash that floats your way on a regular basis.
Take the Next Step
Gather your statements from the past few months, if you have them.
Start your debts list, and note whether any are late, about to go to collections, or already in collections.
Take a breather. This is tough, emotional work and if you need a time-out, you should take it. And don’t worry; this will get easier.
3. Figure out how much extra you can pay each month.
Take a close look at your credit card and bank statements (or your tracking sheet, if you've been keeping one). Label each transaction as a bill (which you have to pay), a necessity (things you need but could spend less on, like groceries), or optional spending (things you don’t need and can’t afford right now, like movie tickets).
Add your costs for the first two categories together. The difference between that and your monthly take-home pay is what you can use to pay down your debts. (This number will change over time, so don’t be discouraged if it’s small or even below zero right now.)
Take the Next Step
Learn how to track your spending.
4. Try to get your interest rates lowered.
If credit card debt is what’s weighing you down (as it does so many Americans), just a few minutes of work on your part could give you a lower interest rate, which will mean lower monthly payments. In many cases, you just need to call the number on the back of the card and ask to have your rate lowered. If you aren’t eligible for a rate reduction, you might consider transferring all or part of your balance to a card with lower interest. (Pay close attention to the balance transfer fees; they could wipe out any savings you get from the lower interest rate.)
Getting your interest rate lowered on a mortgage, car loan, or other loan is a different story, unfortunately. You would need to refinance the loan, which can have costs of its own and be difficult if your credit score has taken a hit lately.
Take the Next Step
Call each credit card company you owe and ask for a lower interest rate.
Reward yourself for the steps you’ve taken so far (preferably without spending money).
5. Begin gathering extra dollars to put toward your payments.
You actually started doing this back in Step 3. Take it further by taking a closer look at your spending. What can you cut out or reduce? Be creative!
Have you considered ways you might bring in extra money? If you haven’t asked for a raise recently, now could be a good time. You could also volunteer for overtime, pick up a second job, or put a hobby like woodworking or sewing to work for you. The possibilities are endless, and a little effort could go a long way.
Take the Next Step
Think of three ways to bring in extra income—even a small amount.
Choose four simple ways to lower your spending.
6. Pay those extra dollars toward one debt until it's gone.
Each month you’ll pay all your minimum payments like usual. All the extra money you’ve saved up over the month will go toward your worst debt—the one with the highest interest rate.
Take the Next Step
Look over your list of debts and decide which to pay off first.
Set up a way to set aside the extra dollars you’re saving so they don’t get spent. (A high-yield savings account works for a lot of people.)
7. Celebrate your first debt pay-off and move on to the next.
How much should I set aside for emergencies?
Congratulations! As the burden starts to lift, take the time to reward yourself and your family for the work you’ve done. Chances are you’ll be eager to move on to the next debt. Remember the minimum payment you used to send to the debt you just paid off? Add that to your extra debt payment every month and your pay-off will start to pick up speed.
Take the Next Step
Choose the next debt to pay off.
Have the minimum payment amount from your first debt automatically transferred into your savings account so it doesn’t get spent by accident.
8. Keep doing this until you're debt free.
Every time you pay off a debt, add the old minimum payment amount to the extra monthly debt payment you put together in Step 6. Once you knock out a couple of these debts, you could be paying hundreds extra each month without noticing any change in your daily spending habits.
As you get close to your goal, think about how you’ll use this big chunk of money once you no longer have a debt to use it on.
Take the Next Step
Take a look back at the new habits you’ve picked up during this process. How will you keep them going when you’re debt-free?
Choose the account you’ll transfer your money to each month once you’re debt free. IRAs, mutual funds, and savings accounts are all great ideas. IRAs, mutual funds, and savings accounts are all great ideas.
For this and more visit:
My Allstate Financial.Com
Allstate Insurance Auto Quote
Allstate Homeowners/ Renters/ Condo Insurance
Friday, January 22, 2010
What Do YOU Know About IRAs
IRAs are a type of account designed to help you save for retirement. If you're not familiar, it might be a little confusing. But once you understand the basic concept, you'll be able to see how IRAs can really get you on the right path to retirement.
Here's how they work. Think of an IRA as a basket. Once you have one, you pick investments to put in it—mutual funds, stocks, bonds, CDs, and annuities. Because they're in the IRA "basket," they're protected from some taxes. And that adds up to the potential to earn more money.
There are three main types of IRAs:
Traditional IRA: The contributions you make may be tax deductible. So instead of paying taxes now, you'll pay taxes on the money your IRA earns when you withdraw it. If you're in a lower tax bracket at that point, you'll pay taxes at a lower marginal income tax rate.
Roth IRA: You pay taxes now so that you don't have to pay tax on any of the profits earned between now and when you start withdrawing the money.
Rollover IRA: This type of IRA is a simple solution if you've got a 401(k) or other retirement plan from a past job, and you want to move the money without paying penalties. This is especially helpful if you have several 401(k)s. It gives you more options for how to invest your money, and helps keep things simple by consolidating them into one account.
There are also IRAs for self-employed people, small-business owners, and non-working people whose spouses contribute on their behalf.
There are a lot of great things to say about IRAs.
* They can help you pay lower taxes—either now or during retirement.
* You invest in financial products such as mutual funds or variable annuities, which are managed by professionals.
* There are several types of IRA, so you can pick the one that's best for you. (Some have eligibility requirements that you'll need to keep in mind.)
* People 50 and older can contribute extra money to their IRA each year to help them "catch up" on their retirement savings.
* You can start withdrawing money without tax penalties even while you're still working (once you're 59½).
IRAs can be an ideal retirement savings vehicle for many individuals, especially:
Those who are ready to set aside money and not touch it until they retire
People who would like to potentially pay less income tax
People who want lots of choices for investing their money—such as mutual funds, stocks, bonds, CDs, or annuities
For more information visit:
http://myallstatefinancial.com/financial/financial-products/iras.aspx
allstate insurance
Here's how they work. Think of an IRA as a basket. Once you have one, you pick investments to put in it—mutual funds, stocks, bonds, CDs, and annuities. Because they're in the IRA "basket," they're protected from some taxes. And that adds up to the potential to earn more money.
There are three main types of IRAs:
Traditional IRA: The contributions you make may be tax deductible. So instead of paying taxes now, you'll pay taxes on the money your IRA earns when you withdraw it. If you're in a lower tax bracket at that point, you'll pay taxes at a lower marginal income tax rate.
Roth IRA: You pay taxes now so that you don't have to pay tax on any of the profits earned between now and when you start withdrawing the money.
Rollover IRA: This type of IRA is a simple solution if you've got a 401(k) or other retirement plan from a past job, and you want to move the money without paying penalties. This is especially helpful if you have several 401(k)s. It gives you more options for how to invest your money, and helps keep things simple by consolidating them into one account.
There are also IRAs for self-employed people, small-business owners, and non-working people whose spouses contribute on their behalf.
There are a lot of great things to say about IRAs.
* They can help you pay lower taxes—either now or during retirement.
* You invest in financial products such as mutual funds or variable annuities, which are managed by professionals.
* There are several types of IRA, so you can pick the one that's best for you. (Some have eligibility requirements that you'll need to keep in mind.)
* People 50 and older can contribute extra money to their IRA each year to help them "catch up" on their retirement savings.
* You can start withdrawing money without tax penalties even while you're still working (once you're 59½).
IRAs can be an ideal retirement savings vehicle for many individuals, especially:
Those who are ready to set aside money and not touch it until they retire
People who would like to potentially pay less income tax
People who want lots of choices for investing their money—such as mutual funds, stocks, bonds, CDs, or annuities
For more information visit:
http://myallstatefinancial.com/financial/financial-products/iras.aspx
allstate insurance
Thursday, January 21, 2010
Allstate Insurance's Foundation Responds to Growing Need For Haitian Relief
The Allstate Foundation Responds to Growing Need For Haitian Relief
Original Source: Allstate Insurance Newsroom
Jan. 15, 2010 NORTHBROOK, Ill. -
Recognizing the urgent need for aid to Haiti, today The Allstate Foundation has made a $50,000 donation to the American Red Cross to assist with humanitarian relief efforts.
Additionally, with Allstate employees and Agency owners wanting a way to give to the relief efforts in Haiti, the Foundation has created the donation Web site http://american.redcross.org/allstate-emp in partnership with the American Red Cross that allows employees to make a personal donation directly to the relief organization. The Foundation will match every dollar that employees contribute up to an additional $50,000, for a total commitment of up to $100,000.
"We are an organization made up of people who truly care and help those in need," said Vicky Dinges, assistant vice president for Public Social Responsibility at Allstate. "Just as we would help our customers in their time of need, we are reaching out a hand to the victims in Haiti whose lives have been uprooted by this catastrophic earthquake."
The Foundation's donation is part of Allstate's annual charitable and philanthropic contributions that totaled more than $18 million in 2009 to communities across the United States.
About The Allstate Foundation
Established in 1952, The Allstate Foundation is an independent, charitable organization made possible by subsidiaries of The Allstate Corporation (NYSE: ALL). The Allstate Foundation sponsors community initiatives to promote "safe and vital communities;" "tolerance, inclusion, and diversity;" and "economic empowerment." The Allstate Foundation believes in the financial potential of every individual and in helping America's families achieve their American dream. For additional information, visit www.Allstate.com/foundation.
Allstate Insurance
Original Source: Allstate Insurance Newsroom
Jan. 15, 2010 NORTHBROOK, Ill. -
Recognizing the urgent need for aid to Haiti, today The Allstate Foundation has made a $50,000 donation to the American Red Cross to assist with humanitarian relief efforts.
Additionally, with Allstate employees and Agency owners wanting a way to give to the relief efforts in Haiti, the Foundation has created the donation Web site http://american.redcross.org/allstate-emp in partnership with the American Red Cross that allows employees to make a personal donation directly to the relief organization. The Foundation will match every dollar that employees contribute up to an additional $50,000, for a total commitment of up to $100,000.
"We are an organization made up of people who truly care and help those in need," said Vicky Dinges, assistant vice president for Public Social Responsibility at Allstate. "Just as we would help our customers in their time of need, we are reaching out a hand to the victims in Haiti whose lives have been uprooted by this catastrophic earthquake."
The Foundation's donation is part of Allstate's annual charitable and philanthropic contributions that totaled more than $18 million in 2009 to communities across the United States.
About The Allstate Foundation
Established in 1952, The Allstate Foundation is an independent, charitable organization made possible by subsidiaries of The Allstate Corporation (NYSE: ALL). The Allstate Foundation sponsors community initiatives to promote "safe and vital communities;" "tolerance, inclusion, and diversity;" and "economic empowerment." The Allstate Foundation believes in the financial potential of every individual and in helping America's families achieve their American dream. For additional information, visit www.Allstate.com/foundation.
Allstate Insurance
Original Source: Daily Herald
DePaul wins and the words tumble out
Posted by Lindsey on Thu, 01/21/2010 - 01:14
DePaul vs Marquette at the Allstate Insurance Arena
I love numbers. I love stats. They make it easy to tell you how many consecutive times DePaul wound up on the short end of a Big East regular-season game (24).
They provide the shorthand to tell you the Blue Demons went into Wednesday’s game against Marquette having lost their LAST 14 BIG EAST HOME GAMES.
That’s 14 consecutive losses by a total of 215 points -- making the average loss 15.4 points. The numbers also show eight of those 14 losses came against Top 25 teams. Two of them came against teams that went on to the Final Four…two of them against Elite Eight teams…one against a Sweet 16 team…and two others against teams that won their NCAA first-round games.
Why bring up all these negative numbers on a night like this, when DePaul stunned Marquette 51-50 on Mike Stovall’s 20-footer with seven-tenths of a second to go?
Because the sheer weight of these numbers and losses have buried the Demons and their fans for so long, it was unbelievably refreshing to watch the coaches and players and fans cut loose at Allstate Arena. Especially with regards to the players, who always try to pretend as if the losses roll off their backs.
Sophomore forward Eric Wallace, who has made a habit of texting inspirational quotations (from such bards as Ralph Waldo Emerson and Mark Twain) to his teammates and coaches after losses this year and last, used every bit of his 39-inch vertical leap to chest-bump with teammate Devin Hill at midcourt once the final horn ended. Sophomore guard Jeremiah Kelly, who kept attacking the rim and hitting crucial runners and floaters to keep DePaul alive, kept screaming toward the roof in the midst of the celebration madness.
Then there was senior guard Will Walker, who played all 40 minutes because he and the Demons have no choice. He entered the night shooting 27 percent in Big East play, which makes some sense when you realize he also led the Big East with 36.4 minutes played per game. He started strong with 16 points in the first 24 minutes, but he started to run on fumes. He committed bad turnovers on back-to-back possessions, then fired up a 3-pointer from the top of the key that clanked off the glass well right of the rim.
Finally, with 2:21 to go, an exhausted Walker tried to drive and dish to a teammate, but his weak pass went to disappointed interim head coach Tracy Webster, who tried to slap the ball back into play. Walker lay on the ground out of bounds for several seconds catching his breath before two teammates helped him up.
Fittingly, after the game when Webster was asked to describe everyone’s feelings, he clapped Walker on the back and said he felt the best for the team’s only senior – the only guy who played in all 24 consecutive Big East regular-season losses and all 14 consecutive Big East home losses.
“It gets tiring, but Coach doesn’t give me any breaks in practice and that helps a lot,” Walker said. “I try to stay on the floor as much as I can in practice to try to get me ready for these types of circumstances. I’ve just got to keep fighting. All I keep thinking in my mind is we’ve got to get a win. Every time I feel like I’m getting tired, I just try to lead by example. I feel like if I start looking tired, then the other guys are going to start feeling tired. I try to keep all of that out of my body language as much as I can and just keep pushing.”
While it might have felt weird to everyone that DePaul won a game, Webster and Walker tried their best to keep one foot on earth. After getting one rivalry win, the Demons must travel Saturday to Notre Dame to try to get another one.
“I want these guys to enjoy this win,” Webster said. “But at the same time, we have practice tomorrow and we have to come in and take care of business. You know what? There’s where (Will’s) leadership is going to have to come into play again. Because the guys are going to be excited, but now how do we channel this victory? In what direction do we go in?”
“All I want to do is make sure that everyone knows that we don’t have to be surprised to get a win,” Walker said. “We can go in and feel like we’re going to win every game we step on the floor.”
LW
Lindsey Willhite has been covering college and pro sports for the Daily Herald since 1995.
DePaul wins and the words tumble out
Posted by Lindsey on Thu, 01/21/2010 - 01:14
DePaul vs Marquette at the Allstate Insurance Arena
I love numbers. I love stats. They make it easy to tell you how many consecutive times DePaul wound up on the short end of a Big East regular-season game (24).
They provide the shorthand to tell you the Blue Demons went into Wednesday’s game against Marquette having lost their LAST 14 BIG EAST HOME GAMES.
That’s 14 consecutive losses by a total of 215 points -- making the average loss 15.4 points. The numbers also show eight of those 14 losses came against Top 25 teams. Two of them came against teams that went on to the Final Four…two of them against Elite Eight teams…one against a Sweet 16 team…and two others against teams that won their NCAA first-round games.
Why bring up all these negative numbers on a night like this, when DePaul stunned Marquette 51-50 on Mike Stovall’s 20-footer with seven-tenths of a second to go?
Because the sheer weight of these numbers and losses have buried the Demons and their fans for so long, it was unbelievably refreshing to watch the coaches and players and fans cut loose at Allstate Arena. Especially with regards to the players, who always try to pretend as if the losses roll off their backs.
Sophomore forward Eric Wallace, who has made a habit of texting inspirational quotations (from such bards as Ralph Waldo Emerson and Mark Twain) to his teammates and coaches after losses this year and last, used every bit of his 39-inch vertical leap to chest-bump with teammate Devin Hill at midcourt once the final horn ended. Sophomore guard Jeremiah Kelly, who kept attacking the rim and hitting crucial runners and floaters to keep DePaul alive, kept screaming toward the roof in the midst of the celebration madness.
Then there was senior guard Will Walker, who played all 40 minutes because he and the Demons have no choice. He entered the night shooting 27 percent in Big East play, which makes some sense when you realize he also led the Big East with 36.4 minutes played per game. He started strong with 16 points in the first 24 minutes, but he started to run on fumes. He committed bad turnovers on back-to-back possessions, then fired up a 3-pointer from the top of the key that clanked off the glass well right of the rim.
Finally, with 2:21 to go, an exhausted Walker tried to drive and dish to a teammate, but his weak pass went to disappointed interim head coach Tracy Webster, who tried to slap the ball back into play. Walker lay on the ground out of bounds for several seconds catching his breath before two teammates helped him up.
Fittingly, after the game when Webster was asked to describe everyone’s feelings, he clapped Walker on the back and said he felt the best for the team’s only senior – the only guy who played in all 24 consecutive Big East regular-season losses and all 14 consecutive Big East home losses.
“It gets tiring, but Coach doesn’t give me any breaks in practice and that helps a lot,” Walker said. “I try to stay on the floor as much as I can in practice to try to get me ready for these types of circumstances. I’ve just got to keep fighting. All I keep thinking in my mind is we’ve got to get a win. Every time I feel like I’m getting tired, I just try to lead by example. I feel like if I start looking tired, then the other guys are going to start feeling tired. I try to keep all of that out of my body language as much as I can and just keep pushing.”
While it might have felt weird to everyone that DePaul won a game, Webster and Walker tried their best to keep one foot on earth. After getting one rivalry win, the Demons must travel Saturday to Notre Dame to try to get another one.
“I want these guys to enjoy this win,” Webster said. “But at the same time, we have practice tomorrow and we have to come in and take care of business. You know what? There’s where (Will’s) leadership is going to have to come into play again. Because the guys are going to be excited, but now how do we channel this victory? In what direction do we go in?”
“All I want to do is make sure that everyone knows that we don’t have to be surprised to get a win,” Walker said. “We can go in and feel like we’re going to win every game we step on the floor.”
LW
Lindsey Willhite has been covering college and pro sports for the Daily Herald since 1995.
Wednesday, January 20, 2010
Come check out the Marquette Golden Eagles vs DePaul Blue Demons tonight @ 8pm at the Allstate Arena.
Located: 6920 Mannheim Road Rosemont, IL 60018-3697
(847) 635-6601
Get your tickets at Team One Tickets.
Brought to you by Allstate Insurance
Allstate Insurance
Tuesday, January 19, 2010
Knowing the Types of Coverage Available
Liability and Medical Protection
Liability Coverage
If you're at fault in an accident that's covered by your policy, and other people (or property) are injured or damaged, Liability coverage helps protect you from the cost of these damages.
Medical Payments Coverage
If you're in a covered accident, this Medical Payments option helps pay for any reasonable and necessary medical bills.
Underinsured / Uninsured Motorist Coverage
If a driver with little or no insurance damages your car, or injures you or someone riding with you, this coverage option can help cover repairs and expenses. (This is subject to certain limitations, however, so check your individual policy, or talk to your agent for more details.)
Vehicle Protection
Collision Coverage
This option helps protect you from repair costs to your car if you're involved in a covered accident. Considering it's a covered loss (that's insurance-speak for an accident that's specifically covered by your policy), Collision helps pay for the repairs needed to get your car back on the road.
Comprehensive Coverage
This option helps protect your car in covered situations that don't necessarily involve other drivers or vehicles. If your car's damaged by a storm, vandalism, or passive object (such as a tree or a post in a parking garage) which fell and was not caused by collision, Comprehensive can help keep you covered.
dotted rule Additional Protection dotted rule
Personal Injury Protection
Helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you're hurt in a covered accident. (Personal Injury protection is not available in some states, and the amount of reimbursement is based on the coverage you purchase.)
Additional Coverage Options
Can boost convenience and peace of mind, whether it's with our Towing and Labor-Cost Coverage, Rental Car Reimbursement Coverage, Sound System Coverage, or Tape/CD Coverage. The choice is yours.
Our Bumper-to-Bumper BasicsSM will show you how these unique options might be added to your Allstate auto insurance policy. And our quick and easy quote tool can show you how switching to Allstate might save you money. Visit Allstate Insurance Company's Website or you can also talk to an Allstate agent at 1-866-621-6900 to quote over the phone.
Liability Coverage
If you're at fault in an accident that's covered by your policy, and other people (or property) are injured or damaged, Liability coverage helps protect you from the cost of these damages.
Medical Payments Coverage
If you're in a covered accident, this Medical Payments option helps pay for any reasonable and necessary medical bills.
Underinsured / Uninsured Motorist Coverage
If a driver with little or no insurance damages your car, or injures you or someone riding with you, this coverage option can help cover repairs and expenses. (This is subject to certain limitations, however, so check your individual policy, or talk to your agent for more details.)
Vehicle Protection
Collision Coverage
This option helps protect you from repair costs to your car if you're involved in a covered accident. Considering it's a covered loss (that's insurance-speak for an accident that's specifically covered by your policy), Collision helps pay for the repairs needed to get your car back on the road.
Comprehensive Coverage
This option helps protect your car in covered situations that don't necessarily involve other drivers or vehicles. If your car's damaged by a storm, vandalism, or passive object (such as a tree or a post in a parking garage) which fell and was not caused by collision, Comprehensive can help keep you covered.
dotted rule Additional Protection dotted rule
Personal Injury Protection
Helps reimburse you for lost income, child care expenses, medical expenses, and other similar things if you're hurt in a covered accident. (Personal Injury protection is not available in some states, and the amount of reimbursement is based on the coverage you purchase.)
Additional Coverage Options
Can boost convenience and peace of mind, whether it's with our Towing and Labor-Cost Coverage, Rental Car Reimbursement Coverage, Sound System Coverage, or Tape/CD Coverage. The choice is yours.
Our Bumper-to-Bumper BasicsSM will show you how these unique options might be added to your Allstate auto insurance policy. And our quick and easy quote tool can show you how switching to Allstate might save you money. Visit Allstate Insurance Company's Website or you can also talk to an Allstate agent at 1-866-621-6900 to quote over the phone.
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