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Allstate pros and cons

Pros	Cons
The claims process is simple and convenient	Insurance policies are often more costly than average
The company has a reputation for stellar customer service	No option to subscribe to annual payment plans
There are plenty of opportunities to bundle your services

What types of car insurance does Allstate offer?

If you’re looking at car insurance quotes from Allstate, here are some of their basic insurance coverage offerings. Keep in mind that policies can differ greatly based on many factors such as location, age, and driving records.

Liability Coverage

Accidents happen, and auto liability policies are designed to protect you up to your policy’s limit should you be found at-fault in a car accident.

Basic

liability insurance

covers the expenses associated with the accident for the other party involved.

Liability coverage is legally required in most states. There are two types of liability coverage:

bodily injury liability coverage

and

property damage liability

coverage. To make sure you have adequate coverage, it’s generally a good idea to purchase both.

Collision Coverage

As the name implies, Allstate’s

collision coverage

is designed to protect you in the event that you should be involved in a collision. This includes situations where you might hit another car or stationary object as well as situations when another vehicle collides with your parked car.

Comprehensive Coverage

Allstate’s

comprehensive coverage

is designed to protect your vehicle in non-collision situations like floods, fire, vandalism, and theft.

Medical Payments Coverage

Allstate’s

medical payment coverage

is an optional add-on that will help cover the costs of any medical expenses to you or your passengers that are related to a collision where you are found at fault. While basic liability coverage only applies to the other party, medical payment coverage will ensure that your medical expenses are also taken care of up to your policy’s limit.

Uninsured and Underinsured Motorist Coverage

Both

uninsured and underinsured motorist coverage

is designed to protect you should you find yourself in an accident with an at-fault driver who doesn’t have sufficient liability coverage.

This type of insurance is legally required in a large handful of states so make sure you have the coverage you need.

Rental Reimbursement Coverage

When you invest in Allstate’s optional

rental reimbursement coverage

plan, you will be protected up to your policy’s limit for any relevant transportation expenses while your vehicle is being repaired for a claimed incident.

Sound System Coverage

If you have any kind of aftermarket or modified sound system installed in your vehicle, it won’t be covered by your standard Allstate insurance package. Allstate’s

sound system coverage

is an optional policy feature that will cover the expenses, up to the policy limit, associated with repairs or replacement of an aftermarket sound system and speakers.

Towing and Labor Coverage

Allstate’s optional

towing and labor cost coverage

package covers the costs of services should you find yourself in the unfortunate situation of being stranded at the side of the road following a breakdown.

Roadside Assistance Coverage

Allstate’s Roadside Assistance plan provides you with the convenience of 24/7 country-wide roadside assistance services, up to your policy limit, which includes the following:

What's included:
Towing
Tire changes
Jumpstarts
Lockouts
Fuel delivery

One of the great things about this package is that you don’t need to be subscribed to an existing Allstate plan in order to become a member, but keep in mind that the cost of fuel associated with the assistance will not be covered by your plan.

Personal Injury Protection Coverage

This popular option is often referred to as no-fault or

PIP coverage

and is designed to cover any relevant medical costs associated with a claimable incident, regardless of who is at fault. There are also circumstances where PIP insurance might cover lost wages as well.

This type of insurance is required in some states, but it is a worthwhile investment even if it is not mandatory in your state.

Personal Umbrella Coverage

Allstate’s Personal Umbrella Policies are designed to go above and beyond their standard insurance offerings. These policies offer you great coverage options to ensure that your valuable assets are especially well-protected.

Property Protection Coverage

If you live in

Michigan

, you are required to have property protection coverage for your vehicle. Allstate’s Property Protection Coverage plan will cover up to $1 million in damages in the event that another Michigan resident’s property is damaged in a vehicle accident where you are found at fault.

Classic Car Insurance Coverage

Allstate’s

classic car insurance

is an optional policy that will provide added protection for your classic car that goes above and beyond standard policy options.

Rideshare Insurance Coverage

If you are a rideshare driver, Allstate’s

rideshare insurance

package might be a good option for you. A standard insurance policy will not cover the business use of your vehicle while operating for a rideshare service like Lyft or Uber, so this type of policy can help fill the gaps.

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Different types of car insurance

Allstate’s auto insurance discounts

Allstate is a large and diverse provider that offers a wide range of discounts. Never underestimate the power of discounts when it comes to saving money on your insurance policy. Here are some of the notable discounts offered by Allstate:

Discounts
TeenSMART discount
Defensive driver discount
New car discount
Multiple policies (bundling) discount
Good student discount
Discount if your car has anti-lock brakes
Anti-theft device discount
Early signing discount
Discount if you didn’t receive a cancellation notice for non-payment in the past year
Discount for setting up automatic withdrawals
Paperless discount
Discount for paying upfront
Safe driving discount

How much does Allstate insurance cost?

Depending on the type of vehicle you drive, your location, your driving record, your age, and the type of tailored options you are looking for, you can expect your Allstate Insurance Policy to cost somewhere around $1180 a year or approximately $170 a month.

One of the biggest factors that will determine the cost of your insurance plan is your desired level of coverage. For example, Allstate’s most comprehensive coverage plans cost about $1070 for a six-month premium, while the most affordable options might be as low as $378 for the same six-month period.

Likewise, these averages will vary according to the state you live in, your credit score, your age demographic, and your driving record.

The best way to get a good idea of what you can expect to pay for the coverage you want is to use

Jerry

to assess your needs and generate a hassle-free quote that will get you started on the right foot.

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Allstate vs. other insurance companies

Now that you have an idea of the services that AllState provides, you might be wondering if their car insurance is the right choice for you. Keeping that in mind, here is a quick summary of how Allstate stacks up to the other two big national providers:

Progressive

and State Farm.

Allstate vs. Progressive

While Allstate customers tend to report higher levels of satisfaction with their services, Progressive offers better opportunities for cost-saving, especially for those who fall into less desirable ranges in terms of credit rating scores or driving history.

The bottom line is that no matter what demographic category you fall into, you are likely to get a better rate with Progressive than with Allstate, although you might not get the same level of satisfaction with Progressive.

Allstate vs. State Farm

Once again, Allstate insurance rates tend to be significantly higher than State Farm. This might be especially true if you fall into a category that might help you snag a lower rate, but State Farm policies also tend to be more affordable for those who fall into less desirable categories as well.

A notable exception here is the more affordable coverage options that Allstate offers for those with a credit score under 500. If you are working to build up your credit, Allstate is the provider that will offer you the most reasonable package.

Basically, Allstate car insurance is not cheap, but it could be a good option if you are looking for reputable coverage and opportunities to save by bundling your services.

How to get an Allstate insurance quote

Allstate provides an online quote generating tool on their website, but it’s important to note that customers occasionally report inconsistent or misleading results. Of course, you can always call up a representative or drop by a branch in person.

However, an easier and more reliable way would be to head to

Jerry

to take advantage of the powerful insurance management tools that they offer.

Jerry will not only generate the three best options for you based on your objective data, it will also take care of all the necessities associated with securing new car insurance such as paperwork and policy transfers.

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How do customers rate Allstate auto insurance?

According to the

2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study

, Allstate customers report average satisfaction in the following categories:

Claim Servicing

First Notice of Loss

Overall Satisfaction

Rental Experience

Settlement

According to the same survey, customers tend to rate Allstate service as better than average in two categories:

Estimation Process

Repair Process

Similarly, the

2018 U.S Auto Insurance Shopping Study

has found that State Farm clocks about average in all of the following categories.

Call Center Representative

Insurer Website

Local Agent

Overall Satisfaction

Policy Offerings

Pricing

If you live in Florida, you might be particularly inclined to consider Allstate since JD Power and Associates

has awarded

it the highest-ranking position in this region for 2020.

Allstate’s services and features

Digital Locker®

The Allstate Digital Locker® app is a handy home inventory tool that will help you accurately assess your losses in the event of a claim.

The Allstate® Mobile App

The Allstate® mobile app is a worthwhile download that provides intuitive on-the-go access to the following services:

Access to digital proof of insurance (pink card)

The ability to review your current coverage plan and request changes

The ability to review and pay your bills

Instant notifications relating to your policy or account

Easy access to contact information and support

Access to the Drivewise feature to get constructive insight into your driving habits

The ability to snap and upload claim photos

Roadside Assistance

Allstate provides reliable and trackable roadside assistance plans that give you the flexibility to subscribe to everything you want (and leave out what you don’t).

If you don’t have an existing policy with Allstate, their Roadside Assistance membership plan allows you to enjoy roadside assistance coverage without having to buy into anything else. The Pay-Per-Use will have you covered even when you aren’t subscribed to a membership plan, while the Insurance Add-On option allows you to combine a Roadside Assistance Membership plan with your existing Allstate insurance coverage.

Allstate Car Buying Service

Allstate Car Buying Service is a nifty online tool that is designed to help you price out your next vehicle purchase.

The Claim Satisfaction Guarantee

Allstate backs their claims with a unique money-back guarantee that you can use if you aren’t happy with your assessment.

The Milewise Program

The Allstate Milewise Program is an optional policy feature that allows you to calculate your premiums according to the number of miles you drive. It is a great option if you drive on an infrequent basis.

The Drivewise® Program

The

Drivewise

® Program is an optional app feature that will track your driving habits in real-time. It is a great option for anybody who is confident in their safe driving habits and is looking for opportunities to save.

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How to file a claim with Allstate

In the event that you need to file a claim, the most convenient way to get the process underway is to sign in to your Allstate account or mobile app. Remember that the sooner you file your claim after an incident, the more likely you are to enjoy an effective claims process from start to finish.

You can also call the company directly or swing by one of their branches for support. Once you begin the claims process, you will receive a claim number that you will need to keep handy throughout the course of the claims investigation process.

In order to ensure the claim filing process goes as smoothly as possible, be prepared to provide the following information. Keep in mind, using the mobile app will make it easier to upload any relevant data quickly and efficiently.

The location, date, and time of the accident

The names, addresses, phone numbers, and insurance policy numbers of anybody else involved

A summary of the weather conditions

Photo evidence of the accident scene and damage

Any relevant copies of the police and/or accident reports

Once the claim is filed, it's a good idea to review your policy so you have an idea of what to expect with regards to your particular coverage. Remember that Allstate offers a claim satisfaction guarantee program, so you can always reject your claim if you aren’t satisfied with the outcome.

Once your claim is approved, you can proceed with the repairs and secure a replacement vehicle (if it is part of your coverage plan).

MORE:

Allstate Drivewise vs. Progressive Snapshot–which is better?

Payment methods

Allstate offers a full range of payment options to suit your needs
Automatic Online Payments
Bank Payment/Direct Deposit
Credit Card
Debit Card
Electronic Check
Mail Payments
Mobile App Payments
Online Payments
Person to Person
Phone Payment
Prepayment
PayPal
Text Payments

Allstate’s car insurance cancellation policy

There are many reasons you may want to cancel your insurance policy, including finding a better rate from another provider. If this is the case, here’s how to

cancel your existing Allstate insurance

plan.

Allstate doesn’t make it particularly easy to cancel your existing insurance coverage plan. While you can modify your policy via their app or online platform, you will have to call to speak to an agent to cancel.

Make sure you have the effective policy cancellation date written down so that you can ensure a smooth transition to your new policy. It also doesn’t hurt to ask about potential discounts that might be available to you should you choose not to cancel your policy.

Allstate insurance background

Way back in 1931, a man named General Robert E. Wood decided he wanted to pioneer a convenient way to sell insurance by mail. It was from here that the insurance giant Allstate was born—and the rest is history!

Today Allstate is one of the largest and most trusted insurance providers in the country. As their famous advertising slogan, "You are in good hands" attests, Allstate remains committed to providing the peace of mind that they have built their reputation on from the start.

Headquartered in Northbrook, Illinois, the financial behemoth is best known for its car insurance packages. That said, the wide range of products and services makes them a great pick for anybody who prefers to do all their business in one place.

The Takeaway: Is Allstate right for me?

To make a long story short, Allstate is definitely not the most affordable option for insurance, but the company offers some great perks in relation to other national providers. Their high claim reliability rankings and Claim Satisfaction Guarantee program makes Allstate a great choice for anybody who wants to make sure that their insurance provider will come through when they need it most.

If you want to find out more about whether Allstate is the right provider to meet your insurance needs, you will need to find time to compare car insurance quotes. Thankfully,

Jerry

is designed to cover the legwork so that you don’t have to.

This convenient online tool will calculate objective data to find the perfect policy options that suit your needs, and then handle the changeover when you make your decision. An opportunity to save both time and money is always a win-win, so come to check us out today to find out more.

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