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NEW YORK — It seems like you can get a premium service for just about anything these days, so why should your auto insurance be any different? You may have noticed the TV commercials for Allstate's new insurance extras, such as "accident forgiveness," which keeps your rates from being raised after a crash, and for new car replacement.

Allstate is selling two premium policies, the Gold Protection and Platinum Protection plans, in 37 states.

Gold plan drivers pay an extra 5 percent to 7 percent on average above the standard policy. They receive a $100 reduction on their deductible for each year they are accident-free up to $500 and a guarantee that their premiums will not increase after a first accident.

The Platinum plan costs 14 percent to 15 percent more than the standard policy and comes with "accident forgiveness" for multiple accidents and a 5 percent premium discount while you remain accident-free.

The new-car replacement add-on costs another 2 percent and covers drivers for the rapid depreciation of a new car. If your car is totaled within three years of its purchase, Allstate will buy you a new one.

Many insurers, including Allstate, give discounts for being accident-free for three or five years, so don't pay if you're already eligible.

As for "accident forgiveness," Nationwide forgives a single accident and multiple minor ones after three years of safe driving and it doesn't cost you a penny more.