 Not available in every state, subject to terms and conditions. Rating factors and savings vary, and in some states, your rate could increase with high-risk driving. Allstate Fire and Casualty Insurance Company and affiliates, Northbrook, Illinois. At M&T Bank, we believe in the power of together. That's why we give every M&T employee 40 paid volunteer hours each year to use however they choose. Here's how one team member is spending their 40.