What does Allstate cover in auto insurance?

car insurance

Whenever you buy insurance, we recommend getting a free quote before deciding on a coverage. Our simple tool below lets you get started by entering your zip code.

Allstate Overview

As one of the largest car insurance companies in the country, Allstate is available in all 50 states. In 2019 alone, Allstate wrote premiums of $ 23 billion according to the National Association of Insurance Commissioners (NAIC).

The insurance company has an A + AM Best and A + financial strength rating from the Better Business Bureau (BBB). Allstate works through a network of local agents to provide vehicle insurance to customers. The main benefit of this is that local agents are able to meet the needs of specific communities directly.

In addition to vehicle insurance, Allstate offers the following types of coverage:

  • Home insurance
  • Tenant insurance
  • Condo insurance
  • Motorcycle insurance
  • Business insurance
  • Life insurance

Allstate Auto Insurance Coverage

Allstate offers the following types of standard vehicle insurance coverage:

  • Liability insurance
  • Collision insurance
  • Comprehensive insurance
  • Medical fees
  • Personal injury protection
  • Uninsured motor vehicle insurance and less

On top of that basic coverage, you can get the following types of Allstate auto insurance when you sign up for a policy.

Rent refund Rental refunds help you pay for transportation expenses such as rental cars

or public transportation.

Gap insurance This helps pay off your car loan in case your car is amounted or stolen.

New car replacement If your car is two years old or less, Allstate will replace it after the occurrence of a covered accident.

Delay and labor This coverage includes tows, flat tire changes, jump starts, locking assistance,

and gas or oil delivery.

Rideshare Insurance If you’re driving for Uber or Lyft, rideshare insurance can help protect you

while you wait for passengers between trips.

Sound system coverage This coverage will replace stolen or damaged sound equipment.

Classic car insurance Protect your classic vehicle or collector with Allstate.

Allstate Auto Insurance Costs

After doing the homework at the provider, we found that Allstate tends to be more expensive than its competitors. However, many factors affect your car insurance premium, including age, driving history, and the model and model of your vehicle. The only way to know how much you will pay to get coverage is to get a quote.

Allstate Discounts

Discounts can reduce insurance premiums, depending on the savings you qualify for. Here’s the discount you can get with Allstate auto insurance:

Allstate DiscountsDetails

New car If you are the first owner of your car, you may be eligible for a discount.

Various policies Combine your vehicle insurance with home or renters insurance to save money.

Smart students Full-time students with good value can save on car insurance.

Anti-lock brakes Save if your car has anti-lock brakes.

Anti-theft devices Save if your car has an anti-theft device.

Early Registration Discount ® Register for your policy seven or more days before it takes effect.

Responsible payer Save if you pay on time over the past year.

EZ salary plan Save to arrange automatic withdrawals.

Allstate eSmart Paperless by signing up for a policy and your premium will be reduced.

fully Pay off your vehicle insurance policy in full to save money.

Safe driving club Drive safely to get into the Allstate safe driving club and get a discount.

Additional Benefits

Along with discounts, you can also save money on Allstate auto policies by looking at the following programs and benefits:

  • Accident forgiveness: This can be added to your policy so that your rate will not go up after an accident.
  • Safe Driving Bonus: Receive a bonus for every six months of safe driving.
  • Deductible Rewards: Get a $ 100 deduction from the violations you deducted when you signed up and another $ 100 from your deductible each year you are accident-free (up to a total of $ 500).

Navigate 

Like most leading car insurance companies, Allstate has a safe driving app that can help you lower your car insurance rates by driving safely. The free app, Allstate Mobile, gives you personalized feedback on your driving habits. You can earn cash just for signing up to the program, and then every six months, you potentially earn more savings.

The Allstate Mobile app has a 4.1-star rating on Google Play. Many positive reviews highlight the ease of the application, while negative reviews mention technical issues and problems.

How to File a Claim

Allstate has a simple online claims process that includes instructions on how to proceed after a vehicle accident. This website allows you to track claims and make payments. Alternatively, you can use the Allstate Mobile app to manage claims.

Allstate Auto Insurance Review

Allstate performed well in industry reviews such as JD Power 2020 US US Auto Insurance Satisfaction BC, where it earned the highest rating among the leading insurance companies in Florida.

The company has closed more than 400 complaints through BBB in the past year, yet it only gets a 1.7 -star rating from customers based on more than 200 reviews. Keep in mind that customers are more likely to give negative than positive reviews when it comes to car insurance companies, especially during a stressful claims process.

Allstate Auto Insurance Review Positive

We have had three accidents in 20 years, and each incident was dealt with smoothly and within 24 hours. Delegates are always patient, attentive, and accurate with the information provided to resolve each case. 

“Having been with this company for 13 years. They are always very helpful! Car wreck, no problem, well taken care of.Allstate Negative Auto Insurance Reviews

It is too difficult to resolve the claim. [Cannot] use printouts directly from appointments at the doctor’s office or insurance forms sent after service. Always need to submit more forms. It takes forever to get paid for anything. The worst insurance I have ever faced! ” – Connie Q., BBB

“I called in January 2020 to issue a car and homeowners were converted to renters insurance. I was told that the entire old policy would have to be repealed, and a new one with my current needs would be made. That was fine, but over the next [two] months I was charged twice because the [original] policy was not canceled properly.

Our results on Allstate Auto Insurance: 90%

We rate Allstate at a rate of 90% due to its availability and excellent industry position. Allstate auto insurance coverage is comprehensive, although it is expensive compared to insurance from other major providers. If you are quality at a discount, you can get great coverage with Allstate.

We recommend contacting Allstate and several other providers so that you can compare policies side-by-side. Enter your zip code below to start getting free car insurance quotes.

Top Choices for Car Insurance

In addition to Allstate auto insurance, our team has done research on other major insurance providers. Two insurance companies we highly recommend are GEICO and State Farm.

GEICO: Overall Best

Our team rated the GEICO at 96 percent and found it to be the best choice for most drivers. GEICO has an exceptional customer service reputation and high ratings from industry experts, including an A ++ financial strength rating from AM Best and an A + from BBB.

GEICO is known for its affordable coverage. You can combine different types of insurance such as auto vehicles and homeowners and save on both. Read our full GEICO auto insurance review to learn more.

State Farm: Best for Student Drivers

Our team rated State Farm at 95 percent because of its long discount list and strong online experience. State Farm has an A rating from the BBB, a 4.7-star rating on Google Play, and an A ++ financial strength rating from AM Best.

The Drive Safe & Save State program can save you money if you are a safe driver, and the Steer Clear ® program is designed specifically for young drivers. For more information on coverage, read our full review of State Farm vehicle insurance.

By aamritri

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