Question 1

How do I get a quote from Blue Paper Co.?

Accepted Answer

The easiest way is to call or text us at (336) 203-0000. You can also email bluepaper@allstate.com. We'll ask a few questions about what you need to cover and provide options — usually within the same business day.

Question 2

What information do I need to get a quote?

Accepted Answer

For auto insurance, we'll need your driver's license number, vehicle info (year, make, model), and current coverage details if you have them. For home insurance, we'll need your address, year built, square footage, and roof age. Don't worry if you don't have everything — we can look most of it up.

Question 3

Do I have to switch all my policies at once?

Accepted Answer

No. You can start with one policy and add others later. That said, bundling multiple policies (auto + home, for example) unlocks significant discounts — so it's worth quoting everything together even if you only switch one at a time.

Question 4

Is Blue Paper Co. the same as Allstate?

Accepted Answer

Blue Paper Co. is an exclusive Allstate agency in High Point, NC. We sell Allstate products and are backed by Allstate's claims team, financial strength, and nationwide network. The difference is you get a local agent — Cheryl — who knows your name, your neighborhood, and NC-specific risks.

Question 5

Do you serve areas outside High Point?

Accepted Answer

Yes. While our office is in High Point, we serve the entire Triad region — Greensboro, Winston-Salem, Thomasville, Archdale, Lexington, and surrounding areas. We can also write policies anywhere in North Carolina.

Question 6

What does NC's 50/100/50 minimum mean?

Accepted Answer

As of 2026, North Carolina requires at least $50,000 per person / $100,000 per accident in bodily injury liability, and $50,000 in property damage liability. These are minimums — most agents recommend higher limits, especially given NC's contributory negligence rule.

Question 7

What is contributory negligence and why does it matter?

Accepted Answer

North Carolina is one of only a few states that follows pure contributory negligence. This means if you're found even 1% at fault in an accident, you may be barred from recovering any damages from the other driver. This makes having strong coverage — especially uninsured/underinsured motorist coverage — critical in NC.

Question 8

Do I need flood insurance in the Triad?

Accepted Answer

Standard homeowners insurance does not cover flood damage. While the Triad isn't a coastal flood zone, flash flooding from heavy storms does happen — especially near creeks and low-lying areas. Flood insurance is a separate policy available through the National Flood Insurance Program (NFIP) or private carriers. We can help you determine your risk and get a quote.

Question 9

What's the difference between comprehensive and collision coverage?

Accepted Answer

Collision covers damage to your vehicle from hitting another car or object (regardless of fault). Comprehensive covers non-collision events — theft, vandalism, hail, falling trees, animal strikes, and broken windshields. In the Triad, comprehensive is especially important during hail season.

Question 10

Do I need umbrella insurance?

Accepted Answer

Umbrella insurance provides an extra layer of liability protection beyond what your auto and home policies cover. If you have assets to protect — a home, savings, investments — an umbrella policy is one of the most cost-effective ways to protect them. Allstate umbrella policies start at $1 million in additional coverage.

Question 11

Is renters insurance worth it?

Accepted Answer

Yes. Your landlord's insurance covers the building, but not your belongings. Renters insurance covers your personal property (furniture, electronics, clothing), provides liability protection if someone is injured in your apartment, and covers additional living expenses if you're displaced. Allstate renters policies can start as low as a few dollars per month.

Question 12

What is Drivewise and how does it work?

Accepted Answer

Drivewise is Allstate's telematics program that tracks your driving habits through a mobile app. It measures things like hard braking, speed, and time of day. Safe driving can earn you a policy discount. You can earn a discount just for signing up, with additional savings based on your driving score. There's no penalty for bad scores — it can only help.

Question 13

What is Deductible Rewards?

Accepted Answer

With Allstate's Deductible Rewards, your deductible decreases for every year you go without a claim. It's a reward for safe behavior — the longer you stay claim-free, the less you'd pay out of pocket if something does happen. Ask us for the specific reduction schedule available on your policy.

Question 14

How does Accident Forgiveness work?

Accepted Answer

Allstate's Accident Forgiveness means your rates won't go up after your first at-fault accident. It's available as an add-on to your auto policy. This is especially valuable in NC, where even a minor fender-bender can significantly impact your premium without this protection.

Question 15

What discounts are available for bundling?

Accepted Answer

Bundling multiple Allstate policies — such as auto + home, or auto + renters — can unlock a multi-policy discount. The more policies you bundle, the more you may save. We can quote all your coverages together to show you the exact savings.

Question 16

What is New Car Replacement?

Accepted Answer

If your new car is totaled within the first few model years, standard insurance pays the depreciated value — which is less than what you paid. Allstate's New Car Replacement coverage can pay to replace it with the same make and model at current prices, not the depreciated value. Availability and terms vary, so ask us for details.

Question 17

What is Claim RateGuard?

Accepted Answer

Claim RateGuard is an Allstate home insurance feature that helps keep your rate from increasing due to a single claim. It's a valuable protection in NC where storm-related claims are common — you shouldn't have to worry about a rate hike after filing a legitimate hail or wind claim.

Question 18

What are your office hours?

Accepted Answer

Our office hours are Monday through Friday, 9:00 AM to 5:00 PM. We're also available by text at (336) 203-0000 — and we typically respond within the same business day, even outside office hours.

Question 19

How do I file a claim?

Accepted Answer

You can file a claim by calling Allstate's 24/7 claims line at 1-800-ALLSTATE (1-800-255-7828), through the Allstate mobile app, or online at allstate.com. You can also call or text us and we'll help guide you through the process.

Question 20

Can I manage my policy online?

Accepted Answer

Yes. Through the Allstate mobile app or allstate.com, you can view your policy, make payments, file claims, request roadside assistance, and update your information. If you need help with anything, we're always a call or text away.

Question 21

What if I'm moving to NC from another state?

Accepted Answer

Welcome! Moving to NC means you'll need to update your auto insurance to meet NC requirements within 30 days of establishing residency. NC has unique rules — like contributory negligence and specific minimum coverage requirements — that your previous state may not have had. We can help you transition smoothly.

Question 22

Do you offer payment plans?

Accepted Answer

Yes. Allstate offers multiple payment options including monthly, quarterly, semi-annual, and annual payment plans. Paying in full or setting up automatic payments may qualify you for additional discounts.

Question 23

Can I get a policy the same day?

Accepted Answer

In most cases, yes. Once we have the information we need and you've chosen your coverage, we can bind your policy the same day. Auto policies can often be active within hours.

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