Allstate Auto Insurance Review


About Allstate

Founded in 1931, this insurance company is now one of the largest companies in America. When it was created, it was part of Sears, Roebuck and Co. but in 1993, Allstate spun off on its own. It now is the parent company to several others, including popular online-only insurer, Esurance. As of 2018, it was ranked 79th on the Fortune 500 list of largest US corporations by revenue. It is led by Thomas Wilson, CEO and president. Currently, Allstate offers auto, home, life, motorcycle, renters, boat, landlord, condo, recreational vehicle, retirement, and business insurance. In recent years, they have also added banking services for larger corporate customers, but not personal lines. Their slogan, since the 1950s, has been “You’re in good hands,” and today it is ranked as one of the most recognizable statements in advertising. It was created by a company employee who entered a contest to draw the logo and come up with the slogan. The winner walked away with $50, and a legacy that has endured over half a century.

Satisfaction Ratings

  • BBB Rating: A+
  • Consumer Reports Rating: Very Satisfied
  • JD Power Rating:  3.5 / 5 

Pros & Cons Section

Industry leader in automobile safety and education
Offers bundling for its various products
Quoting system allows you to ‘try on’ various levels of coverage and see how they change your premium

In 2016, JD Power rated their customer service ‘below average’
Only 6-month policies are on offer, meaning rates can change twice a year
Some discounts do not show up in the online quoting system, meaning you’ll have to talk to an agent to get them applied

Policies Offered

Here are some of the types of coverages offered by Allstate:

Liability – Allstate offers some of the highest limits available for the standard range of deductibles, but state minimums are also there too if that’s what your policy needs. 

Collision  – If your vehicle is not yet owned outright by you, then your lien holder will require this coverage. You can choose from a range of deductibles, usually from $0 to $2000, and the premium will adjust in real-time with the tool.

Comprehensive – Also called  “other than collision”, this coverage is for any damage done to your vehicle that is not the result of a crash with another vehicle.

Upgrades and Addons

Here are some of the upgrades and extra features you can add to your policy:

Sound System – If you have comprehensive coverage, you can purchase this add on to cover your sound system for up to $2500. 

Newer Car Replacement – If your new car is totaled in an accident, Allstate will cover the cost to replace it with one model year newer, if you choose this optional upgrade.

GAP – For cars that are still financed, you can choose to include this coverage to pay off your loan in the event of an accident that totals the vehicle. Normally it’s up to 25% of the actual cash value.

Available Discounts

You can earn discounts with the following Allstate programs:

Economy Car – Is your car good on gas and the environment? Fuel efficiency can get you up to 10% off.

Paid in Full  – Planning on paying your policy in full? If you do, then Allstate will thank you for it with a small discount.

eSmart  – Okay with going paperless and keeping all of your policy documents online? If so, Allstate will treat you to this additional discount.

Utility – If your utility vehicle was made prior to the year 2002, you might qualify for another discount of up to 15%.

Premier – Is your driving record clean of incidents for the last three years? You could save up to 25%, or potentially more if your good driving has gone on even longer.

Special Programs

These special programs and benefits are available from Allstate:

DriveWise  – This downloaded app keeps a record of things like speeding, hard stopping, and night driving to assess how safe you are on the road. Best of all, Allstate does not ding you for mistakes made while using the app. It only accounts for the positive behavior. It requires ongoing participation, but the discount continues too. They share this app with their subsidiary, Esurance.

teenSMART – Teenage drivers willing to participate in this online course will be eligible for potential additional discounts.

What You Need to Apply

Have this information on hand to get a fast, accurate quote:

Name  – Of course, they need to know who the policy is for, along with basic info like your birth date, which they will use to pull your public driving records.

Address Where you live affects how you drive. Approach any state line and you’ll undoubtedly hear locals decrying the insane people in the next state over. Cities, suburbs, residential areas, they all have very different driving risks.

VIN  – You can find this 16-digit number inside your car door or auto-manual. It belongs only to your vehicle, and can identify the features included.

Email – Since Allstate is an online company, you will conduct all of your business online. So, they will need an email address to communicate with you, as well as share policy details and changes if you do decide to buy.

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