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Customized car insurance support from your own personal agent
Allstate is ideal for drivers who prioritize coverage options, flexibility and customer service. While Allstate isn’t known for having the cheapest rates in the business, it does offer plenty of ways to save.
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
12 months, monthly
online, phone, in-person
New car protection
Yes, cars under 2 years old
Rewards for safe drivers, good students and more
Get your own dedicated insurance agent
No discounts for homeowners, military, online quote or multiple cars
Customer service is ranked average
Defensive driving discount
Up to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims
Good student discount
Up to 20%, under 25
Safety device discount
Special employment discount
Drivewise – Up to 20% cash back based on everyday safe driving
Senior discount – Up to 10% 55+, not seeking full-time employment
TeenSMART discount – Up to 10%
New car – Up to 30% (First owner, car under 2 years old)
Economy car – Up to 10%
Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior)
Farm vehicle – Up to 10%
What car insurance coverage does Allstate offer?
While many insurance providers are similar, Allstate has a few notable offerings you won’t find elsewhere. Whether you are looking for simple liability coverage or you want to expand your policy to include uninsured drivers, rental reimbursements, a custom sound system or even towing and roadside assistance, Allstate has everything you need.
What extra benefits and add-ons does Allstate offer?
Reward system for safe drivers. The Allstate Rewards program lets drivers who have a good driving record earn points that can be traded for rewards like gift cards and merchandise.
Repair shop locator: As an Allstate-covered driver, if you need mechanical repairs to be performed on your car or have been in an accident and need collision services, you can benefit from the repair networks available either on the Allstate website or within the mobile app, easily viewing the providers who are recommended by Allstate in your local area.
Quick Card Pay: Get your claim payment sent directly to your debit account. Link your Allstate account with your Visa or MasterCard debit card. Instead of waiting for a claim check in the mail, you’ll get paid quickly and more securely.
What discounts can I get with Allstate?
New car discount. Save if your vehicle is new and you’re the first owner.
Multi-policy discount. Bundle your car insurance with a homeowner’s policy for more savings.
Smart student discount. If your young driver meets the requirements, you might qualify for a discount.
Anti-lock brake discount. Save up to 10% if your car is equipped with anti-lock brakes.
Anti-theft discount. Save up to 10% if there’s an anti-theft device in your car.
EZ pay plan discount. Save up to 5% when you set up automatic withdrawal for paying your premium.
eSmart discount. Save up to 10% if you sign up for ePolicy, a convenient way to view insurance documents online.
FullPay discount. Save up to 10% when you pay your policy in full.
Early signing discount. Save up to 10% when you sign your policy seven days before it becomes effective.
Responsible payer discount. Save up to 5% if you did not receive a cancellation notice for non-payment in the past year.
Safe Driving Club. Save big if you meet the safe driving requirements to make it into the club,
Pros and cons of Allstate car insurance
Comprehensive quote tools. Allstate offers a wide range of tools to help potential customers design a personalized plan.
Plenty of discounts. Save on your quote with discounts for car safety features, safe drivers and more.
Dedicated agents. Allstate drivers are assigned an Allstate agent, who can help you find ways to save on your policy, improve your coverage, file an insurance claim and more.
Coverage costs tend to be above average. Allstate does offer an extensive discounts list, but you can expect to pay slightly more than you would with other comparable providers in some areas.
Rated average for customer service. While you’ll enjoy personalized service from your Allstate agent, the overall experience with Allstate is ranked average compared to other insurers.
Lacking several standard discounts. If you’re used to getting a discount for being a homeowner, being in the military or insuring multiple cars, you might miss those benefits when you switch to Allstate.
How to apply for Allstate car insurance
Allstate’s initial application process is fairly simple and takes just a few minutes to complete online. Then you can expect to receive a call from a qualified Allstate representative.
Go to Allstate’s website, or call an agent. You can get quotes, apply for coverage, and even commit to a policy through Allstate’s website or over the phone with an agent. To start the process, visit their site or call an agent at 1 (877) 810-2920.
Enter your personal information. You’ll be prompted to fill in information like your name, date of birth, and where you live.
Enter your vehicle info. Just like you filled out your personal information (or read it aloud to your agent over the phone), provide necessary information about your vehicle such as its make, model and year of manufacture.
What info do I need to apply?
When you begin your insurance application, you should have the following documentation readily available:
Basic contact information for any drivers on the policy
Information about the vehicles being covered, including VIN, the car make, model, and year, and any features that are specific to your vehicle, including anti-theft devices
Additionally, Allstate may access your driving records, insurance claim history, past auto policies, and credit history to design a quote for your auto insurance.
What do customers say about Allstate car insurance?
Allstate isn’t highly rated for customer service, according to data from the Better Business Bureau and other institutions. However, the company is rated average for customer satisfaction, meaning that to most customers, it isn’t significantly better or worse to deal with than other comparable providers.
Allstate has an A rating from the BBB, and the provider’s BBB page shows a pending accreditation status. BBB accreditation is a voluntary process, and it isn’t free. Many legitimate businesses that are highly rated and trusted by consumers are not BBB accredited for these reasons.
Online reviews indicate that customers are most pleased with the number of options available, which might allow a new customer to choose a policy based on cost, on levels of coverage or on a need for flexibility.
How to contact Allstate
Allstate’s customer service team can be reached at 1 (877) 810-2920. The Allstate Mobile apps also give you a list of department phone numbers, plus tools to locate an agent, get a quote or request roadside assistance.
You can also contact their team through email, or even on Twitter @AllstateCares.
One of the largest insurance companies in the US, and the largest one that’s publicly traded, Allstate is a multi line insurance provider offering life, auto, home, renters, motorcycle and business insurance policies.
Allstate began in 1931 as part of Sears, Roebuck and Co. As of October 2011, Allstate owns former competitor Esurance.
Alternatives to Allstate
With a broad range of coverage options, ways to save, and features built for customer convenience, Allstate has earned its place among the top insurance providers in the US.
Learn more about car insurance, from the best providers out there to the auto coverage requirements and laws where you live.
Frequently asked questions about Allstate car insurance
While Allstate’s online platform allows you to add, change or drop different coverage options on your policy, it doesn’t allow you to outright cancel your coverage. To do this, you’ll have to pick up the phone and possibly send written notice of cancellation.
Even the safest drivers can end up in a car accident, but you can follow a few basic steps to smooth out the claims process with Allstate. If you have questions at any point in the claims or repair process, it can be helpful to call your insurance provider to straighten things out.
Contact your provider. You’ll need to check in with an insurance agent and let them know what’s happened. An agent should be able to guide you through what information you need to gather from the accident, such as who’s involved and how everyone else is insured. You’ll also get a sense of your claim limits, any time constraints for filing your claim, and what your deductible is going to be.
Get an estimate and work with the insurance adjuster. The adjuster will work with you to verify what’s been damaged and what’s covered by your insurance policy — as well as what isn’t covered. An adjuster’s job is to make sure you get the coverage you need after an accident while also ensuring the insurance company isn’t being taken advantage of. After the adjuster’s evaluation of your vehicle and its damages, you should receive an estimate for how much your repairs will cost and how much of that amount will be covered by insurance.
Make the repairs. You should be able to take the vehicle to whatever shop you prefer, as well as ask that original brand-name parts be used instead of cheaper third-party components. Depending on your specific situation, Allstate might pay the repair shop directly for you, or pay you and let you pay the bill yourself.
Yes, Allstate offers accident forgiveness for drivers enrolled in the accident forgiveness program. This program is considered a policy extra, which you may have to qualify for, and would result in slightly higher premiums.
If you’re already insured through Allstate, you may be able to maintain your policy by contacting an agent and explaining your circumstances.
This provider offers coverage in all 50 states. If you contact the provider, an agent can tell you more about whether your region is excluded from any of Allstate’s service offerings; certain states have laws that dictate what an insurer can offer when a customer buys their policy.
Aliyyah Camp is a publisher for finder.com helping folks compare personal, student, car and business loans. When she's not helping people with their personal finances, you can find her going for runs outdoors.
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