Allstate Auto Insurance: Is It Worth The Hype?

Allstate is one of the largest insurance companies in the US, offering a range of insurance products, including auto insurance. The company has a good reputation for its auto insurance, with a score of 9.1 out of 10 from MarketWatch, and 4.5 out of 5 from NerdWallet. It also has an A+ rating from the Better Business Bureau. However, its customer service has received mixed reviews, with some policyholders reporting issues with claims handling and renewal.

Allstate's auto insurance rates are higher than the national average, especially for teens, young adults, and seniors. However, it offers a wide range of discounts and has a good score for customer satisfaction with its claims handling.

Allstate's customer service

In a U.S. News survey, Allstate is ranked joint-seventh for customer service, and ninth for claims handling. 37% of respondents to the survey said they were completely satisfied with the ease of filing a claim, and 37% were completely satisfied with status updates, while 51% were completely satisfied with how their claim was resolved.

Allstate's insurance rates

Allstate's average annual rate for full coverage insurance is $2,665, which is over $680 more than the national average of $1,982. Its sample premium of $3,374 per year is the highest of the providers in the U.S. News study.

WalletHub's editors give Allstate a rating of 2.9/5, noting that its premiums are slightly higher than those of its top competitors. Allstate's rates are also higher than the national average of $2,681, according to MarketWatch.

Allstate offers a wide variety of discounts that can make its insurance rates more competitive. These include discounts for good students, bundling policies, anti-theft devices, early signing, safe driving, and more. Allstate also offers pay-per-mile and usage-based insurance programs that can lower rates for drivers who don't drive often or who have safe driving habits.

Allstate's insurance discounts

Allstate Insurance offers a wide range of discounts to its customers. The company does not disclose the exact discount amounts, but customers can check with the customer service department to see how much they can save. Here is a list of some of the discounts offered by Allstate:

• Allstate eSmart discount: Customers can save money by going paperless and receiving all their documents online.
• Anti-lock brakes discount: This discount is applicable if a customer's car has anti-lock brakes.
• Anti-theft device discount: Customers with an anti-theft device installed in their car are eligible for this discount.
• Early signing discount: Customers can save money if they purchase their policy at least a week before its start date.
• EZ pay plan discount: This discount is for customers who pay their premium via automatic withdrawal.
• FullPay discount: Customers who pay for their entire policy at once are eligible for this discount.
• Multi-policy discount: Customers can save by bundling auto insurance with a home, life, or renters policy.
• New car discount: This discount is for customers who are the first owner of a car from the current or previous year.
• Passive restraint discount: This discount applies if a customer's car is equipped with a passive restraint system, such as automatic seatbelts.
• Responsible payer discount: Customers who did not receive a cancellation notice due to non-payment during the last 12 months are eligible for this discount.
• Safe driving club: Customers can earn a safe driving bonus every six months they drive without accidents and get $100 off their collision deductible for each year without accidents (up to $500 total).
• Smart student discount: Students under 25 years old who are unmarried and attend school more than 100 miles away from their car, successfully complete the teenSMART program, or maintain a GPA of at least 2.7 (B- average) are eligible for this discount.
• 55 and retired discount: Customers who are at least 55 years old and retired can save up to 10% on their policy.
• Good payer discount: Customers who pay their premiums on time are eligible for a discount of up to 5%.
• Preferred package discount: This discount is for customers who insure more than one vehicle, own a home, and pay electronically.
• Resident student discount: Students who live away from home and leave their car at home are eligible for this discount.
• TeenSMART discount: Customers between the ages of 16 and 21 who successfully complete the teenSMART program are eligible for this discount.

In addition to these discounts, Allstate also offers other ways to save money, such as the Allstate Milewise program, which is a pay-per-mile program that can save low-mileage drivers up to 72% annually. Customers can also sign up for Allstate Drivewise, which monitors their driving through a mobile app and provides safe driving discounts.

Allstate's insurance coverage

Allstate is one of the largest insurance companies in the U.S., offering auto insurance, life insurance, home insurance, and more. The company was founded in 1931 and now serves more than 16 million households across the country. Allstate has a wide variety of coverage options and discount programs. The company currently offers 12 types of car insurance coverage, including liability, collision, comprehensive, medical payments (MedPay), personal injury protection (PIP), and uninsured/underinsured motorist insurance.

Allstate also offers several add-ons and benefits, such as rideshare insurance, roadside coverage, rental reimbursement, classic car insurance, and Mexico and Canada car insurance. In addition, Allstate has two usage-based programs: Drivewise, which rewards safe driving habits, and Milewise, a pay-per-mile program.

Allstate's insurance rates tend to be higher than the national average, especially for teen and young adult drivers. The company also has mixed ratings for consumer satisfaction, with some customers reporting issues with claims handling and customer service. However, Allstate has a low number of consumer complaints and has earned an A+ rating from the Better Business Bureau (BBB).

Allstate's insurance claims

Allstate is one of the largest insurance companies in the United States, with approximately 16 million people insured and more than 175 million policies in place. The company offers a range of insurance products, including auto, home, renters, health, life, and pet insurance. Allstate is known for its slogan, "Are you in good hands?" and has a network of 12,300 agents across the U.S. and Canada.

When it comes to Allstate insurance claims, the process can vary depending on the type of insurance and the specific circumstances of the incident. Here are some general steps and guidelines to keep in mind when filing an Allstate insurance claim:

• Auto Insurance Claims: In the event of a car accident, it is crucial to report the incident to the police immediately and file a Report of Motor Vehicle Accident (MV-104). Stay at the scene, document the damage, exchange information with the other driver, and take photos of the accident scene. If you are in a no-fault state like New York, you will typically file the claim with your own insurance company. Contact Allstate as soon as possible to initiate the claims process and provide them with the necessary information and documentation. Keep in mind that there may be time limits for filing your claim.
• Customer Satisfaction: Allstate has received mixed reviews when it comes to customer satisfaction with insurance claims. In a NerdWallet survey, Allstate received an overall satisfaction score of 76 out of 100, which is slightly below the average score of 78 among the insurers surveyed. Additionally, Allstate ranked 9th out of 24 companies in the J.D. Power 2023 U.S. Auto Insurance Claims Satisfaction Study.
• Claims Handling: According to a U.S. News survey, Allstate ranked 9th in the claims handling subcategory. Approximately 37% of Allstate customers who responded to the survey were completely satisfied with the ease of filing a claim and receiving status updates. However, a higher percentage (51%) were satisfied with how their claim was resolved.
• Tips for Interacting with the Insurance Company: When interacting with the insurance company during the claims process, it is important to remember that your goals may differ from theirs. Be cautious about the information you provide, avoid speculating or giving firm answers to questions you are unsure about, and refrain from discussing your case with others. Keep track of all communications with the insurance company and consider consulting a lawyer to protect your interests.
• Maximizing Your Claim: To maximize the value of your claim, seek prompt medical attention, keep all accident-related documentation, respond promptly to the adjuster's requests, and avoid accepting the first settlement offer. If you feel you are not being treated fairly, consider consulting a lawyer to explore your options, including the possibility of legal action.

Frequently asked questions