Claim-Free Bonus and Claim RateGuardSM are optional features. Claim-Free Bonus applied to your next renewal bill provided no claims made during the preceding annual policy period. Coverage, discounts and features are subject to terms, conditions and availability. Savings vary. Allstate Vehicle and Property Insurance Co. and Allstate Fire and Casualty Insurance Co.: Northbrook, IL. © 2013 Allstate Insurance Co.