Allstate is a household name when it comes to big-name car insurance quotes, but is their vehicle insurance coverage a good fit for you?
If you’re considering checking out some Allstate car insurance quotes, keep reading to find out everything you can expect.
What is Allstate insurance?
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.
Allstate pros and cons
- The claims process is simple and convenient
- The company has a reputation for stellar customer service
- There are plenty of opportunities to bundle your services
- Insurance policies are often more costly than average
- No option to subscribe to annual payment plans
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.
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.
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.
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:
- Tire changes
- 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.
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:
- 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 car 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.ai to assess your needs and generate a hassle-free quote that will get you started on the right foot.
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 car 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.ai 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.
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
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
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
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
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.
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).
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
- 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.
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.ai 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.