Allstate offers many discounts and features: however, it shouldn’t be your first option. Rates from Allstate can cost a lot, and the claims process and customer satisfaction are average.
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About Allstate car insurance company
Allstate Insurance is an American-based insurance company founded in 1931. Its headquarters are located in Northfield Township, Illinois, near Northbrook.
It has the most expensive policies among all other companies; in fact, the average cost of a policy from Allstate is above the average insurance cost in the U.S. However, J.D. Power Auto Insurance Study showed that Allstate has the highest customer satisfaction.
Besides auto insurance, customers can also purchase other types of insurance from Allstate, such as renters insurance, homeowners insurance, and life insurance.
How Allstate works
- Allstate sells its auto insurance policies through a network of local agents.
- Customer satisfaction from Allstate’s customer service varies from region to region.
- If you want to file a claim, you can use Allstate’s website or contact them over the phone.
- Allstate auto insurance has a program mileage-based program named Drivewise® and some other unique programs and discounts.
Average Allstate car insurance rates
Allstate is one of the most expensive car insurers in the United States. The average car insurance cost for full coverage is $1,850 annually, or $154 a month.
Coverages
Allstate sells several auto insurance products in all 50 states and some parts of Canada. Some standard types of car insurance that Allstate offers include:
- Collision coverage
- Medical payments
- Personal injury protection
- Comprehensive insurance
- Uninsured motorist coverage
- Underinsured motorist coverage
- Property damage and bodily injury liability auto insurance
Some basic additional coverage Allstate auto insurance offers:
- Custom parts coverage for policyholders who have installed or like to install aftermarket parts or sound equipment.
- Classic car insurance is for collectors and lovers of antique vehicles and custom builds.
- Rideshare insurance for those who work with Uber or Lyft.
- Mexican travel insurance for customers who drive their cars to Mexico.
Discounts
– Early Signing Discount
You can earn a discount if you sign your policy seven days or sooner before it becomes effective.
– Multiple Policy Discount
Bundle up! Get your auto insurance with any of Allstate’s other insurance offerings and save money on all of your policies.
– New Car Discount
Drivers with a new car qualify for this discount.
– Safe Driving Bonus
Every six months that policyholders go without an accident, Allstate will give them this bonus.
– Pay-in-Full Discount
If you pay in full instead of monthly, Allstate will give you a discount.
– EZ Pay Plan Discount
By setting up an automatic withdrawal of your premiums, you can earn a discount.
– Deductible Rewards
Every year that Policyholders are collision-free, Allstate takes $100 off their deductible, up to $500.
– Allstate eSmart Discount
If you sign up for the paperless policy, you will receive a discount on your premiums.
– Anti-Theft Device Discount
Installing an anti-theft device makes you qualified for this discount.
– Antilock Brake Discount
Drivers who equip their vehicles with antilock brakes are eligible for this discount.
– Smart Student Discount
Drivers under 25 with at least a B- average (a GPA of 2.7 or above) are eligible for this discount. To qualify, you must complete the teenSMART driver education program or go to school more than 100 miles away from where your car is garaged.
Drivewise program
Drivewise program is Allstate’s mileage-based discount program. It will reward drivers based on the drive-time data that Allstate’s device collects.
By just signing up and remaining active in this program, drivers receive a three-percent discount on their policies. After 50 trips, drivers can receive a 15% cash back for safe and accident-free driving.
Safe driving habits include avoiding hard braking, keeping your speed under 80 miles per hour, and avoiding late-night driving.
Review
Reviews.com Score: 4.2
AM Best: A+
J.D. Power: 825*
States served: 50 + D.C.
Pros:
- Available in all states
- Telematics savings programs
- Dedicated local agents
- Above-average claims satisfaction
- Allstate’s efforts to address climate change
Cons
- Fewer discounts
- Rideshare is not available in all states
- The high industry complaint index
- Not available in all states
- Premium increases after the first term
- Below-average customer satisfaction
Based on statistics, Allstate customers are less likely to renew their policy or recommend Allstate to others; also, Allstate has below-average scores for customer service and claims handling in some regions.
High rates are another reason for consumers not to recommend this company; Allstate’s average premium rates are 35% more than the national average. All these lousy points make Allstate’s customers’ satisfaction with discount opportunities invisible.
If you’re considering switching to Allstate, their user-friendly quote tool is free, and it can help you decide if Allstate is a good fit for you or not.
