Allstate Vehicle Service: Insurance Or Contract?

Allstate is a well-known insurance company that offers vehicle service contracts, which are a form of extended warranty for cars. These contracts cover repairs after a car's factory warranty expires, and Allstate offers three types of coverage: Powertrain, Core Systems, and Comfort & Tech. The company has a solid reputation and its contracts are transferable, but they are not available in all states and eligibility requirements are strict. While Allstate is a reputable company, its vehicle service contracts may not be the best option for everyone, and it is worth exploring other extended warranty providers to find the right coverage for your needs and budget.

Allstate vehicle service contract coverage

Allstate is one of the largest auto insurers in the US, but it also offers vehicle service contracts for drivers looking to save money on car repairs after a mechanical breakdown.

Allstate vehicle service contracts are only available to existing insurance policyholders or through select dealerships for non-policyholders. They are not available in California or Massachusetts.

Allstate offers three types of vehicle service contract coverage: Powertrain, Core Systems, and Comfort & Tech. The contracts can last up to seven years or 100,000 miles, whichever comes first. To be eligible, your vehicle must be less than four model years old and have less than 50,000 miles on the odometer.

Each Allstate vehicle service contract includes the following benefits:

• Towing: Up to $100 per occurrence
• Lockout assistance: Up to $100 per occurrence
• Emergency roadside services: Up to $100 per occurrence
• Rental car, rideshare, or taxi reimbursement: Up to $40 per day for a maximum of seven days while repairs are being made
• Trip interruption coverage: Up to $500 per occurrence for lodging and meals if a covered breakdown happens more than 100 miles from home

In addition to the three types of vehicle service contract coverage, Allstate offers the following specialized protection plans:

• Signature certified wrap coverage: This plan covers brakes, air conditioning, steering, suspension, cooling, fuel, and electrical systems, in addition to a factory powertrain warranty.
• Long-term powertrain wrap coverage: This plan adds coverage for brakes, air conditioning, steering, suspension, cooling, fuel, and electrical systems to an existing long-term powertrain warranty.
• Tire and wheel protection: This plan covers repairs to tires and wheels if they are damaged by potholes, nails, or other road hazards.
• Paint and fabric defence: This plan covers the application of Scotchgard Protector products to your vehicle's interior and exterior.

The cost of an Allstate vehicle service contract depends on various factors, including the vehicle's make and model, age and mileage, the coverage level, and the term length. Contracts include a $50 deductible.

Allstate vehicle service contract costs

The cost of an Allstate vehicle service contract depends on several factors. The price varies according to your vehicle type and mileage, the coverage level you choose, and the various deductible options available. Allstate insurance customers are locked into a $50 deductible. However, non-policyholders who buy an Allstate warranty plan from a dealership could have deductibles ranging from $0 to $200 or more.

Allstate vehicle service contracts are sold exclusively through dealerships and directly to Allstate customers. If you are an existing customer, you can fill out a quote form on Allstate's website. Otherwise, you will need to contact a dealer to get a quote for your car. The final cost of your Allstate vehicle service contract will depend on:

• Your vehicle make and model
• The age and mileage of your vehicle
• The coverage level you choose
• The term length you choose

According to a survey by MarketWatch, a majority of respondents paid between $1,000 and $2,999 for their plans, while a quarter of those surveyed said they paid more than $3,200.

To give you an idea of the average extended warranty cost, the average car warranty is $977 per year of coverage, according to Quartz Advisor.

Allstate vehicle service contract customer reviews

Allstate is a well-known insurance company that also offers vehicle service contracts. These contracts are a form of extended car warranty that covers repairs after the vehicle's factory warranty expires. While Allstate's insurance services are widely reviewed, its vehicle service contracts are more difficult to find reviews for.

Positive reviews from those with Allstate's Extended Vehicle Care highlight its longtime policyholders and the peace of mind that comes with having insurance and an extended warranty from the same company. Negative reviews focus on a slow claims process and certain repairs not being covered.

Allstate's Extended Vehicle Care has three coverage options: Powertrain, Core Systems, and Comfort & Tech. Each plan has a $50 deductible and covers different vehicle components, from the engine and transmission to convenience features like cruise control and keyless entry.

In addition to the three main plans, Allstate offers several other protection plans, including:

• Tire and Wheel Protection
• Paint and Fabric Defense
• Key Fob, Ding, and Dent Protection
• Guaranteed Asset Protection (GAP)
• Excess Wear and Tear Protection
• Theft Protection

Overall, Allstate's vehicle service contracts offer competitive coverage and pricing, but they are not available in all states and have strict eligibility requirements.

Allstate vehicle service contract exclusions

Allstate's vehicle service contract offers three levels of protection lasting up to seven years or 100,000 miles. However, there are certain exclusions to the coverage provided by the contract.

Firstly, it is important to note that Allstate's vehicle service contract does not cover repairs for damage resulting from accidents or collisions. The contract is designed to cover mechanical breakdowns that occur during normal use, excluding damage from unauthorized repairs or a lack of routine maintenance.

Additionally, the contract does not cover wear-and-tear items such as brake pads and wiper blades. These items are subject to regular wear and tear and are not typically covered under extended warranties.

Furthermore, Allstate's vehicle service contract is not available in all states. It is currently not offered in California or Massachusetts, so residents of these states will need to explore alternative options for extended warranty coverage.

The specific components covered by each Allstate vehicle service contract vary, and full contract details are not available on the company's website. To understand exactly what is and isn't covered under each plan, it is recommended to contact one of Allstate's partner dealerships for specific information.

Overall, while Allstate's vehicle service contract can provide peace of mind and protection from high repair costs, it is important to carefully review the contract details and exclusions to ensure it meets your specific needs and expectations.

Allstate vehicle service contract perks

Allstate vehicle service contracts come with a range of perks, which vary depending on the level of coverage chosen. Here is a detailed overview of the perks associated with Allstate vehicle service contracts:

Rental Car and Alternate Transportation Coverage

In the event that your vehicle requires repairs, Allstate provides reimbursement for rental car, rideshare, or taxi services. This coverage is typically limited to $40 per day and a maximum of seven days. This benefit ensures that you have access to alternative transportation while your vehicle is being serviced.

Trip Interruption Benefits

If your vehicle experiences a covered breakdown more than 100 miles from your home, Allstate provides trip interruption coverage. This benefit includes reimbursement for food and lodging expenses, up to a specified limit, typically $500 per occurrence. This coverage helps alleviate the financial burden of unexpected repairs during travel.

Roadside Assistance

Allstate vehicle service contracts include roadside assistance services. This covers emergency situations such as lockout assistance and towing services, with a typical limit of $100 per occurrence. Having roadside assistance provides peace of mind and assistance in case of unexpected breakdowns or incidents.

Transferability

Allstate vehicle service contracts are transferable under specific conditions. This means that if you sell your vehicle, you may be able to transfer the remaining coverage to the new owner. This can be a valuable perk, especially if you plan to sell your vehicle before the contract expires.

Prorated Refund upon Cancellation

Allstate allows customers to cancel their vehicle service contracts at any time. In the event of cancellation, you will receive a prorated refund for the remaining portion of the contract. This flexibility provides customers with the option to opt-out if their needs or circumstances change.

Low Deductible

Allstate offers a relatively low deductible of $50 for covered repairs under its vehicle service contracts. This is significantly lower than the deductibles offered by dealerships, which can range from $0 to $200 or more. A lower deductible means that you will have a smaller out-of-pocket expense in the event of a covered repair.

Additional Protection Plans

In addition to the core vehicle service contract, Allstate offers several optional protection plans to enhance your coverage. These plans include:

• Tire and Wheel Protection: Covers repairs or replacements for tires and wheels damaged by road hazards, as well as related costs such as valve stems and tire pressure sensors.
• Paint and Fabric Defense: Applies protective products to your vehicle's interior and exterior to prevent stains, damage, and other cosmetic issues.
• Complete Protection: Offers Platinum, Gold, and Silver coverage tiers that include benefits such as key replacement, cracked windshield repair, and interior vehicle damage coverage.
• Gap Protection: Provides coverage for the difference between the insurance settlement and the remaining loan amount in the event of a total loss.
• Theft Deterrent: Utilizes unique identifiers, microdots, or window etching to prevent theft and aid in vehicle recovery.

These additional protection plans allow you to customize your coverage according to your specific needs and provide enhanced peace of mind.

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