Allstate car insurance review November 2018 | finder.com

Allstate car insurance review November 2018

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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.

Description Enjoy having your own dedicated agent to help you get the best discounts and coverage.
States served All 50 states
Roadside assistance Included free
Pay schedule 12 months, monthly
Claims methods online, phone, in-person
New car protection Yes, cars under 2 years old

Pros

  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent

Cons

  • 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
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount Yes
Usage-based discount Yes
Other discounts 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.

  • Liability insurance
  • Personal injury
  • Property damage
  • Comprehensive
  • Collision
  • Uninsured & underinsured motorists
  • Rental car reimbursement
  • Medical payments
  • Roadside assistance

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.

  1. 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.
  2. Enter your personal information. You’ll be prompted to fill in information like your name, date of birth, and where you live.
  3. 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.

Allstate’s cancellation policy

What is Allstate?

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

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

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

Aliyyah Camp

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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