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<title>Allstate Insurance - Made Simple</title> 
<link>http://www.allstate.com/rss/rss-channel-guide.aspx#1</link> 
<description>You won&#39;t find any complicated &#34;insurance-speak&#34; here. Just easy&#45;to&#45;understand explanations of all sorts of car insurance topics and answers to some frequently asked questions about auto insurance.</description> 
<ttl>60</ttl> 
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<item>
<title>Do I Need to Insure My Personal Watercraft in Winter&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/personal-watercraft.aspx</link> 
<description>While preparing to store your personal watercraft (PWC) for the winter, you may wonder if it needs insurance when you aren&#39;t using it. Even though your PWC may hibernate for the season, it still needs protection.</description> 
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<pubDate>Fri, 20 Nov 2009 13:00:00 CST</pubDate> 
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<item>
<title>What Kind of Insurance Do I Need for My Pool&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/pool-insurance.aspx</link> 
<description>Pools are a great way to cool off and relax during the summer months. Lots of great childhood and adult memories are made at parties and lazy afternoons every day.</description> 
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<pubDate>Fri, 18 Sep 2009 13:00:00 CST</pubDate> 
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<item>
<title>What cars cost the least to insure&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/what-cars-cost-the-least-to-insure.aspx</link> 
<description>When lots of Americans buy their cars, they haggle and debate everything from interest rates to purchase price to gas mileage. But one thing most people take as a given is the cost of car insurance.</description> 
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<pubDate>Fri, 17 Jul 2009 13:00:00 CST</pubDate> 
</item>
<item>
<title>I Do a Lot of Driving for Work. Do I Need Extra Insurance for the Business Equipment I Keep in My Car&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/auto-coverage-for-business-equipment.aspx</link> 
<description>That equipment you&#39;re carrying may already be protected, depending on your employer&#39;s business insurance coverage&#8212;or, if you&#39;re self&#45;employed, by your auto, renters, or home insurance policy.</description> 
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<pubDate>Fri, 21 Nov 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>I Only Drive a Few Months Each Year. Can I Get Auto Insurance Just for Those Months&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/monthly-auto-insurance.aspx</link> 
<description>There are a couple of factors at work when it comes to this auto insurance question.</description> 
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<pubDate>Fri, 14 Nov 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Does My Classic Vehicle Need Specialty Insurance&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/classic-vehicle-specialty-insurance.aspx</link> 
<description>Special insurance might be one of the few ways your classic car doesn&#39;t need to be babied. With Allstate, you can include it on your regular auto policy.</description> 
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<pubDate>Fri, 24 Oct 2008 13:00:00 CST</pubDate> 
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<item>
<title>My Spouse Has a Bad Driving Record. Will That Affect My Insurability&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/how-spouse-driving-record-affects-my-insurability.aspx</link> 
<description>In most cases, a bad driving record will not prevent you from obtaining auto insurance. But if your spouse&#39;s record shows a significant amount of moving violations, citations, and/or accidents and insurance claims, that may translate into higher premiums.</description> 
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<pubDate>Fri, 10 Oct 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Is My Car Insured if my Babysitter (Who&#39;s Not on My Policy) is Driving&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/is-car-insured-if-babysitter-driving.aspx</link> 
<description>Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who&#39;s driving it.</description> 
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<pubDate>Fri, 26 Sep 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Why Are Hybrid Cars Cheaper to Insure&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/hybrid-cars-cheaper-to-insure.aspx</link> 
<description>Hybrid cars aren&#39;t just cheaper to drive. Research shows that hybrid car owners tend to fall into the lower&#45;risk category, which gives insurance companies the chance to offer them a lower insurance premium.</description> 
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<pubDate>Fri, 19 Sep 2008 13:00:00 CST</pubDate> 
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<item>
<title>I Have a Babysitter Who Drives My Car with the Kids. Should I Put My Babysitter on My Auto Insurance Policy&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/babysitter-on-auto-insurance-policy.aspx</link> 
<description>Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who&#39;s driving it.</description> 
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<pubDate>Fri, 05 Sep 2008 13:00:00 CST</pubDate> 
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<item>
<title>I Work From Home&#8212;Is My Business Equipment Covered&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/work-from-home-business-equipment-coverage.aspx</link> 
<description>Whether you telecommute for your job or own a business you run out of your home, chances are you&#39;ve got some equipment&#8212;like a computer, or a camera if you&#39;re a photographer.</description> 
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<pubDate>Fri, 29 Aug 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>How do I talk to my teenager about driving safely&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/talk-to-teenager-about-driving-safely.aspx</link> 
<description>When&#39;s the best time to talk about safe driving&#63; Right now. </description> 
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<pubDate>Fri, 22 Aug 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Is My Car Insured if a Friend or Family Member (Not on my Policy) is Driving&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/family-or-friend-insured.aspx</link> 
<description>Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who&#39;s driving it.</description> 
<guid isPermaLink="true">http://www.allstate.com/insurance-made-simple/family-or-friend-insured.aspx</guid> 
<pubDate>Fri, 15 Aug 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Am I Covered if a Tree Falls on My Car While it&#39;s Parked&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/coverage-if-tree-falls-on-parked-car.aspx</link> 
<description>Comprehensive Coverage, is designed for just such a situation. Comprehensive Coverage applies when a car&#39;s been damaged by either a natural or civil disturbance.
</description> 
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<pubDate>Fri, 08 Aug 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Do I Need Insurance for a Used Car&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/need-insurance-for-used-car.aspx</link> 
<description>Laws in most states require that you carry coverage for a used car. However, you may be able to save on certain options.
</description> 
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<pubDate>Fri, 01 Aug 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Are my Car Electronics and Other Add&#45;Ons Covered by Auto Insurance&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/car-electronics-add-ons-coverage.aspx</link> 
<description>After&#45;market modifications, equipment, and accessories aren&#39;t automatically protected by a standard auto insurance policy. We offer options that can shield your investments.</description> 
<guid isPermaLink="true">http://www.allstate.com/insurance-made-simple/car-electronics-add-ons-coverage.aspx</guid> 
<pubDate>Fri, 25 Jul 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Will my Rates be Affected if I Have a Few Accidents on my Driving Record&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/rates-affected-by-accidents-on-record.aspx</link> 
<description>Your driving record is a summary of your life on the road. It&#39;s also a mathematically accurate predictor of your general risk profile&#8212;meaning, what&#39;s happened in the past is a good predictor of the future.</description> 
<guid isPermaLink="true">http://www.allstate.com/insurance-made-simple/rates-affected-by-accidents-on-record.aspx</guid> 
<pubDate>Fri, 18 Jul 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>What Could Make my Premiums Go Up&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/what-makes-premiums-go-up.aspx</link> 
<description>Many factors affect your premiums: some are factors you can control; others are factors you can&#39;t control. Let&#39;s focus on the factors you can control.</description> 
<guid isPermaLink="true">http://www.allstate.com/insurance-made-simple/what-makes-premiums-go-up.aspx</guid> 
<pubDate>Fri, 11 Jul 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Should I Wait Until My Auto Insurance Policy Expires to Switch Policies&#63; What if I&#39;d Like to Switch Companies&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/switching-auto-insurance-policies-and-companies.aspx</link> 
<description>Whether you&#39;ve changed employers and now have access to less expensive auto insurance coverage, or you&#39;re simply unhappy with your current auto insurance provider, switching policies&#8212;or carriers&#8212;is simpler than you might think.</description> 
<guid isPermaLink="true">http://www.allstate.com/insurance-made-simple/switching-auto-insurance-policies-and-companies.aspx</guid> 
<pubDate>Fri, 27 Jun 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>How Does my Deductible Affect my Premium&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/how-deductible-affects-premium.aspx</link> 
<description>Your premium is the amount you pay Allstate either twice a year, or in installments throughout the year.</description> 
<guid isPermaLink="true">http://www.allstate.com/insurance-made-simple/how-deductible-affects-premium.aspx</guid> 
<pubDate>Fri, 20 Jun 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>What&#39;s the Difference Between Comprehensive and Collision Coverage&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/Comprehensive-vs-collision-coverage.aspx</link> 
<description>Here&#39;s an easy way to understand the basic differences between Comprehensive and Collision coverage</description> 
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<pubDate>Fri, 13 Jun 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Are There Things I Can Do to Lower my Premiums&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/lower-my-premium.aspx</link> 
<description>Many factors affect your premiums&#58; some are factors you can control, others are factors you can&#39;t control. Let&#39;s focus on the factors you can control.</description> 
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<pubDate>Fri, 6 Jun 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>When Will my Tickets Disappear from my Driving Record&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/tickets-driving-record.aspx</link> 
<description>Your driving record keeps close track of your behavior on the road. However, state laws vary widely when it comes to the length of time a moving violation remains active on your record.</description> 
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<pubDate>Fri, 30 May 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>What Happens During the Claims Process&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/claims-process.aspx</link> 
<description>Whether you&#39;ve been in a fender&#45;bender or a major accident, filing an auto insurance claim with Allstate is easy.</description> 
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<pubDate>Fri, 23 May 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Clarifying the Confusion&#58; A Few Common Auto Insurance Misconceptions</title> 
<link>http://www.allstate.com/insurance-made-simple/auto-insurance-misconceptions.aspx</link> 
<description>Know what you have before you need it&#58; a quick review of your auto insurance policy will remind you what&#39;s covered, and what&#39;s not.</description> 
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<pubDate>Fri, 16 May 2008 13:00:00 CST</pubDate> 
</item> 
<item>
<title>Why is my premium different&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/why-is-my-premium-different.aspx</link> 
<description>My Neighbor and I Drive the Same Car, but my Premium is Different. Why&#63;</description> 
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<pubDate>Fri, 9 May 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>What Exactly Affects my Insurance Scores&#63; And why does my Credit History Matter to Insurance Companies&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/credit-affects-insurance-scores.aspx</link> 
<description>Your insurance score is a snapshot of how safe or risky you are to insure, and most insurance companies use it to help figure out your premium.</description> 
<guid isPermaLink="true">http://www.allstate.com/insurance-made-simple/credit-affects-insurance-scores.aspx</guid> 
<pubDate>Fri, 2 May 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>What Do I Do if I&#39;ve Just Gotten Into an Accident&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/accident.aspx</link> 
<description>Protect yourself first and foremost. Guard your safety and well&#45;being in the moments after an accident. Listen to your body&#58; if it hurts, don&#39;t move it.</description> 
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<pubDate>Fri, 25 Apr 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Does My Policy Cover the Cost of a Rental Car if My Car is in the Shop&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/rental-car-coverage.aspx</link> 
<description>Many people assume that rental car coverage is part of any auto insurance policy. But the truth is it&#39;s rarely automatically included.</description> 
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<pubDate>Fri, 18 Apr 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>What Kinds of Discounts Does Allstate Offer&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/kinds-of-discounts-from-allstate.aspx</link> 
<description>With discounts for safe driving, certain safety features, good students, and even for having more than one policy with Allstate, you might be surprised by how much you can save with Allstate.</description> 
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<pubDate>Fri, 11 Apr 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>Will My Policy Still Cover Me if I Get into an Accident Out of State or Out of the Country&#63;</title> 
<link>http://www.allstate.com/insurance-made-simple/out-of-state-accident-coverage.aspx</link> 
<description>At Allstate, we&#39;ve got you covered across the US and Canada&#8212;even in parts of Mexico.</description> 
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<pubDate>Fri, 4 Apr 2008 13:00:00 CST</pubDate> 
</item>
<item>
<title>How is my Premium Calculated?</title> 
<link>http://www.allstate.com/insurance-made-simple/how-is-my-premium-calculated.aspx</link> 
<description>Many factors combine to create your premium. We can help demystify things, and explain whats behind the most complex number in your policy.</description> 
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<pubDate>Fri, 28 Mar 2008 18:30:00 CST</pubDate> 
</item>
<item>
<title>Will Tickets Have an Impact on my Premiums?</title> 
<link>http://www.allstate.com/insurance-made-simple/tickets-affect-premiums.aspx</link> 
<description>Your driving record says a lot about you,  its your resume for the road. Its also one of the first things that any insurance company will evaluate when considering you as a customer.</description> 
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<pubDate>Fri, 21 Mar 2008 16:00:00 CST</pubDate> 
</item>
<item>
<title>Should I Buy More Insurance than my State Requires?</title> 
<link>http://www.allstate.com/insurance-made-simple/insurance-state-requirements.aspx</link> 
<description>State laws may not reflect the coverage thats right for you, which is why state required minimum limits could leave you less protected than you want to be.</description> 
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<pubDate>Fri, 14 Mar 2008 16:30:00 CST</pubDate> 
</item>
<item>
<title>I Know I Need Auto Insurance, But Where Do I Start?</title> 
<link>http://www.allstate.com/insurance-need-to-knows/where-to-start.aspx</link> 
<description>Researching auto insurance can seem a bit daunting. We can help you shop smartly by clarifying some of the basics and offering valuable insights.</description> 
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<pubDate>Fri, 07 Mar 2008 16:00:00 CST</pubDate> 
</item>
<item>
<title>Do I Really Need Auto Insurance?</title> 
<link>http://www.allstate.com/insurance-need-to-knows/why-auto-insurance.aspx</link> 
<description>If you own or lease a car, auto insurance is as necessary as the fuel in your gas tank.</description> 
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<pubDate>Fri, 29 Feb 2008 16:00:00 CST</pubDate> 
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