Thinking about buying Allstate Auto Insurance? We gathered Allstate auto insurance reviews and all the necessary information to help you decide!
On the hunt for auto insurance? You’ve probably seen the name Allstate auto insurance in reviews, but allow us to tell you more
Allstate Auto Insurance, founded in 1931, is among the largest and most recognized insurance companies in the country. This company offers a wide variety of insurance coverage (besides car insurance Allstate offers home and life insurance) and an outstanding range of discounts and perks for the customers.
It provides customers with basic coverage policies, along with additional perks, like towing and labor coverage, and sound system coverage. It has scored AA and A+ on financial stability by S&P and AM Best rating respectfully, which indicates that the company is stable enough to settle claims.
Here is what we did to review the cost and contents of Allstate auto insurance quotes.
We collected quotes for age groups 25, 40, 55 in the states of NY, NJ, CL, TX, MI, for a Honda Accord 2015 and some conditions mentioned here in this table:
|Car type||Honda accord 2015||Honda accord 2015||Honda accord 2015|
|States||NJ, NY, CL, TX, MI||NJ, NY, CL, TX, MI||NJ, NY, CL, TX, MI|
|Condition 1||Full and minimum coverage rate||Full and minimum coverage rate||Full and minimum coverage rate|
|Condition 2||Pre and post-accident rate||Pre and post-accident rate||Pre and post-accident rate|
|Condition 3||Excellent and poor credit score rate||Excellent and poor credit score rate||Excellent and poor credit score rate|
Allstate Auto Insurance covers all parts of the United States. You can easily find an agent in areas near you.
Allstate auto insurance offers coverage for various types of insurance, including the following:
Aside from these basic coverage options, Allstate also offers the following coverages:
Ride-Sharing Coverage – Rideshare coverage is offered in 47 states and works with Uber and Lyft. It ensures that your car is covered while you work throughout the day.
Roadside Assistance – Allstate offers roadside assistance in three tiers: roadside coverage, pay-per-use, and membership. The membership provides the best coverage, but each tier provides 24/7 coverage against dead batteries and flat tires.
Allstate Drivewise – this coverage is a usage-based program and measures your driving habits to calculate your premium accurately. Good drivers can get great discounts.
New Car Replacement – if your car is two years old or less, then you are eligible to get this coverage. The company will replace your totaled car with a new one.
Vanishing Deductible – the deductible rewards by Allstate offer a $100 deductible discount for each accident-free year.
Safe Driving Bonus – Allstate rewards excellent driving behavior with a check in your mail after six months.
Aside from the coverages mentioned above, there are plenty of offers and discounts offered by the company. Allstate auto insurance discounts are as follows:
The Allstate auto insurance rating for overall customer satisfaction is about average. They received higher than average ratings for claim satisfaction, which is better than most of its competitors. The financial stability of the company has been rated strong with S&P rating it AA and BM Best rating it A+.
Allstate has received the expected amount of complaints to the state regulators as per the size of the company.
|Consumer Affairs||1.6 stars|
Allstate has separate contact details for different types of concerns. This makes it easier for the customers to reach an agent and get their issues resolved.
They provide phone numbers for claims, quotes, roadside assistance, payment and billing, and so much more. Aside from that, you can get in touch with the agent near you to resolve your concern. You can also file claims, track the progress, and manage, set up, and keep track of your policies online.
That’s all good, but Allstate customer reviews don’t stand out as mind-blowingly positive.
The website of Allstate offers numerous resources and tools to help customers get the right information on insurance policies. The website is user friendly and easy to navigate. It includes all the necessary information an existing or potential customer may want to look for. However, they don’t provide an option for online chat.
Allstate also has a mobile app that can be used to manage and track the policies, make payments, submit a claim, keep track of a claim, get roadside assistance, and more.
We’ve come to the probably most anticipated part of this Allstate review. Pricing.
The average national representative rate of Allstate auto insurance is $1,880, which makes it among the most expensive auto insurance available. Of course, the total amount depends on various factors, including your age, driving record, and more.
The average car insurance rate for:
The average insurance rate for drivers as per coverage type is as follows:
The average insurance rate for drivers as per the credit score is as follows:
Reviews often compare Allstate auto and its competitors. Here’s what we discovered::
Progressive and Allstate are similar in many ways. Both companies offer significant discounts, but the rates are still quite high.
Progressive offers no-drop promise and pet coverage, Allstate offers airbag discounts and safe driver discounts. Allstate is more focused on in-person agents, but Progressive is all amount providing an online experience.
If you have poor credit, then Allstate is a slightly better option for you as compared to
Progressive. Good credit score drivers should go with Progressive.
For bad drivers, Progressive offers better rates.
If you are interested in low rates, then Geico offers better quotes than Allstate auto insurance. The discounts offered by both companies are rather impressive. The customer service rating was higher for Allstate as compared to Geico.
Geico also offers mechanical breakdown coverage for repairs that are not included in comprehensive or collision coverage. It also offers a multiple-vehicle discount, affinity membership alum, and military discounts.
On the other hand, Allstate offers a new vehicle discount, pay in full and advance payment discount, driver training discount, student away at school discount, and green vehicle discount.
If you have a bad credit score, then Geico is a better option for you. Geico also offers a better rate for drivers with an exceptional credit score. If your driving record includes a DUI, reckless driving violation, ticket, or an at-fault accident, then Geico is a good option for you.
The average rate of State Farm is significantly low as compared to Allstate. State Farm also ranks higher than Allstate in claim satisfaction and rates. State Farm has been rated among the top for customer service. Allstate, however, offers many more discounts and an outstanding reward system.
Bad drivers can save more with State Farm. If you have bad credit, Allstate is the one to go with, but drivers with exceptional credit can get better rates with Allstate.
Allstate offers an anti-lock brake discount, green vehicle discounts, new vehicle discount, and pay in full discount. Whereas, State Farm offers multiple vehicle discounts, Affinity membership alum, and annual mileage discount.
Filing a claim with Allstate auto insurance is simple.
You can file a claim online by first registering online and signing up. The process is straightforward from there, as Allstate guides the customer right from the start to the end. You can also submit and track the claim through their mobile app.
Once the claim has been filed, the AllState claims management process is easy. The damage will be evaluated by a rep from the company. You will be guided regarding the repair choices and estimates. If the claim is eligible, you will have to submit photos to the company.
You will receive an estimate of the repair settlement. Next, you can select where you want your car to be repaired. Allstate will either reimburse you for the repair costs or send the payment directly to the repair shop, depending on the situation.
The company is among the leading auto insurance provides in the country, as many Allstate car insurance reviews will tell you. It has outstanding financial stability but has a below-average ranking when it comes to customer satisfaction. The rates of this company are one of the highest in the industry.
If you are looking for an insurance provider with affordable rates, this company is not for you. You will end up paying high premiums. If you are looking for a company that offers an outstanding rewards system and a range of coverage options, go with Allstate.
Allstate's ratings are A+, which has the second highest rating from AM Best and an A+ from the BBB.
You will receive an Allstate Auto Policy Declarations on every renewal period, which is typically every six months. The Declarations shows important information about your Allstate Auto Policy in the following page.
Esurance usually offers cheaper quotes than Allstate. The average annual rate for Esurance is $3,039 or $253 per month, and for Allstate it's $5,355 or $446 per month.
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