Allstate car insurance review September 2018 | finder.com

Allstate car insurance review

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Customized auto insurance coverage with a wealth of resources for drivers

With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver. Enjoy a multitude of options, including roadside assistance and rental car assistance, designed to complement your plan in all the right ways.

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 isn't on par with highest ranked companies
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% (full-time student, under 25)
Loyalty discount Yes
Homeowner discount Yes
Military discount Yes
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 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.

Who is Allstate best for?

Allstate is best for customers who prioritize coverage options, flexibility and customer service more than getting the absolute lowest prices on their policies. And while Allstate isn’t known for having the cheapest rates in the business, it does offer plenty of ways to save.

Compare car insurance companies like Allstate

Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
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.
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.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
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 Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
USAA
Included free
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

What coverage options 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

Special programs offered by Allstate

  • Bumper-to-Bumper Basics® Tool: This unique tool from Allstate uses a series of questions to help drivers to determine what coverage limits and deductibles they should seek in their coverage.
  • Repair Tools: 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.
  • Educational Resources: Allstate provides tools to help drivers understand the best ways to maximize their coverage and their driving experience. From safe driving courses for teens to tracking apps that can help adults to monitor their driving habits, these tools help drivers to get the most from their insurance.
  • QuickCard 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 won’t Allstate cover?

Allstate might cover your Lamborghini or Ferrari, but it’ll cost you more than $500 a month, on average. That’s upwards of $6,000 a year. Allstate tends to be more choosy based on their customers’ driving records than the kinds of cars they drive, so if you have a spotty driving record you may have trouble getting insured, even if you drive something relatively safe and reliable.

Pros and cons of Allstate car insurance

  • Comprehensive tools to design a customized insurance plan: Laws vary from state to state about the kinds of auto insurance coverage that a person needs at a minimum. Allstate offers a wide range of tools to help potential customers to design a personalized plan that takes into account these minimums and other factors that could potentially change their insurance needs.
  • Numerous plan discounts: Allstate provides drivers with an extensive list of possible discounts that can be applied to their plan. These include discounts based on features within the car being covered, discounts for paying for the policy in certain ways, discounts based on age, and discounts for driving safely for extended periods of time.
  • Reward system for safe drivers: In addition to the discounts offered by Allstate, the company also offers a program called Allstate Rewards, in which drivers who have a good driving record can earn points that can then be traded in for rewards like gift cards and merchandise.
  • Dedicated Agents: When you sign up for an auto insurance policy through Allstate, you will be assigned to a specific Allstate agent, who can help you to find ways to save on your policy, improve your coverage, file an insurance claim, or answer any questions that you may have along the way.
  • Coverage costs tend to be above average. Some insurance providers make their name with the lowest rates in the industry — Allstate isn’t one of those providers. While the company does offer an extensive discounts list, you can expect to pay slightly more than you would with other comparable providers.
  • Rated below average for customer service. Car insurance companies don’t receive rave reviews very often as a rule, but if a company ranks below the industry average for customer service it could point to some underlying problems.
  • Lack of discounts transparency. Quite a few possible driver discounts are shown on the Allstate website when you apply for coverage. But a few possible discounts, such as one that offers big savings for students who don’t drive during the school year, aren’t so evident. To find out about some of the more obscure discounts and benefits you might be eligible for, you’ll need to pick up the phone and call an Allstate agent.
  • Lacking several standard discounts. If you’re used to getting a discount for being a homeowner, for being in the military or insuring multiple cars, you might miss those benefits when you switch to Allstate.

What do customers say about Allstate auto 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 apply for Allstate auto insurance

Depending on the kind of coverage that you are seeking, there may be several steps.

  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.

Fortunately, the initial application process is fairly simple and takes just a few minutes to complete online. Once this application is submitted, you can expect to receive a call from a qualified Allstate representative to discuss your specific insurance needs.

What 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 numbers, 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.

How can I find an agent near me?

If you visit the Allstate website, a button at the top of the home page called “Find An Agent.” This will open up a new browser tab that allows you to enter your ZIP code; agents near you will be shown on a map.

You can also call Allstate and ask about agents or office locations near you. And believe it or not, the mobile app even has a tool to help you find and contact an agent based on your location; you can input your city and state, or your ZIP code.

Making a claim with Allstate

    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.

    1. 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.
    2. 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.
    3. 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.

    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.

    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

    Other types of insurance from Allstate

    Car insurance coverage makes up a large portion of Allstate’s business, but this provider is know for more, including:

    What other insurance providers are similar to Allstate?

    If Allstate sounds pretty good to you, but you still want to explore some other options in the same range, these insurance providers could be worth looking into.

    • Geico. Geico tends to be the cheapest among mid-range insurance providers for most average drivers, and also ranks above average for customer satisfaction. For customers who prioritize price above all else, Geico may be a top option.
    • Progressive. This provider is known for having a massive range of policies and product options available, which might allow you to find something more closely tailored to your needs.
    • State Farm. While State Farm tends to score below the other options in this list for customer satisfaction, it’s an established provider with a lot of ways to help customers save on their premiums.

    Compare car insurance providers like Allstate

    Name Product Roadside assistance New car protection Available states
    Liberty Mutual
    Included free
    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.
    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.
    Root
    Included free
    No
    Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
    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 Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
    Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
    USAA
    Included free
    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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