Allstate Auto Insurance
Allstate provides a streamlined claims process from the moment you file to the time of repairs. Features like its Claims Satisfaction Guarantee (available in more than 40 states) ensure that customers get the coverage they pay for. And a wide range of policy and coverage options allow the insurer to deliver on its promise of providing customers the protection that best suits their needs. That said, you will have to pay more for that protection — consumer studies indicate that the company has higher rates compared to competitors with similar coverage options.
Allstate claims that a policy with the company is “more than just car insurance.” With its “personalized help from expert agents” and “innovative tools,” it promises to take the complication out of coverage. It also guarantees a straightforward claims process. An online dashboard and its 24/7 claims center allow you to check the status of your claim and repairs day or night.
Is it true?
Allstate ranks ninth out of the 24 leading car insurance providers in the J.D. Power 2017 Auto Claims Satisfaction Study. The report indicates Allstate provides above-average service during both the estimation and repair process compared to other industry leaders. As the third leading provider of car insurance in the United States, Allstate also has an expansive network of agents and 3,500 repair shops to help you get through the claims process and back on the road quickly and confidently.
The Allstate Tools and Resource section online also offers articles and video tutorials on a wide range of topics, from insurance terminology to tips for choosing coverage options. With guides and tools like a car payment calculator, Allstate helps you understand exactly what your policy covers while staying within your budget. Most customers are probably already familiar with the fundamentals of auto insurance, but knowing the ins and outs of your coverage will help you navigate the more complicated claims process — that means less frustration and greater understanding between you and your Allstate agent.
However, it’s worth noting that the actual process of buying insurance from Allstate isn’t quite as easy. A separate J.D. Power study of customer satisfaction during the shopping process lists Allstate slightly below the industry average. According to the report, potential customers can expect higher rates and less helpful sales representatives compared to Allstate’s competitors. Although premiums differ by location and driving record, studies show that you’ll likely be able to find the same level of coverage for a better price elsewhere.
People who want a straightforward claims process or families with student drivers
People looking for lower premiums
Claims satisfaction guarantee
Online policy management and learning materials
Widely available agents in all 50 states
24/7 claims center
New car discount
Anti-lock brake and anti-theft discount
Good student discount
Automatic withdrawal discount
Responsible payer discount
Safe driver discount
(below industry average)
(above industry average)
Streamlined Claim Process
Allstate provides online and mobile claim filing tools that make it easier to file fast and get your car fixed. When an accident occurs or your car sustains other damage covered by your policy, its detailed guides will help you through the process step by step — you can even download and print worksheets to help collect and organize all your claim information.
There are also no restrictions on choosing a repair facility, so you can use your favorite local repair shop or go with a facility in the Allstate Good Hands Repair Network. All of that results in a streamlined reporting procedure and repairs you can feel confident in. You always have the option of speaking with a claims agent for personalized service as well.
Claims satisfaction guarantee
Although Allstate’s claims process is solid, if you’re not happy with your auto claim, its Claim Satisfaction Guarantee means you’ll receive credit amounting to six months’ worth of premium costs — no questions asked. The guarantee is only available in 43 states but is included for free with all standard Allstate policies for those who have access.
Claims satisfaction guarantee not available in these states.
As a leading provider, Allstate has agents that are widely available in all 50 states for those who prefer speaking to an agent in-person when managing their policy or claim. Like most leading insurance companies, its claims department is also open 24/7, which means you’ll be able to ask questions about your claim day or night.
Less helpful sales reps
Allstate scored slightly below the industry average in J.D. Power’s customer satisfaction study, earning an 833/1000, with the report noting that its sales representatives were overall less helpful than its competitors. If you’re having a sub-par experience with Allstate’s sales reps, you can always work with a local agent instead, where service is generally more supportive.
More expensive on average
While insurance rates are highly individualized, you can expect to pay a bit more for Allstate’s coverage. In J.D. power’s study, one of the major reasons for Allstate’s mediocre customer satisfaction score was that it gave shoppers more expensive quotes on average than other insurers. If you’re looking to pay the lowest premiums possible, you’ll likely have better luck with other companies.
Allstate vs. Nationwide
If you’re concerned by Allstate’s below-average rankings for customer satisfaction during the shopping process, Nationwide provides comparable coverage and discounts with higher satisfaction for prospective customers. It offers rental reimbursement and roadside assistance, plus a few additions that Allstate doesn’t: Supplemental coverage options include vanishing deductibles, which credit your account with a balance that can be used toward deductible payments for every accident-free year, and GAP insurance, which pays for the difference between the value of a damaged car and the amount remaining on its loans. Notably missing from Nationwide’s coverage is rideshare protection, one of Allstate’s standout features, but most drivers will benefit from the insurer’s otherwise robust range of coverage options.
Allstate vs. Geico
Geico tops Allstate in nearly every measure: It received a higher claims satisfaction score from J.D. Power, ranked No. 1 for its mobile app in Forrester’s 2017 US Mobile Auto Insurance Benchmark report, and has 15 discounts to Allstate’s 11. The only area where Allstate had the edge? It offers GAP insurance, which pays the difference between your wrecked car’s value and the amount left on your loan. If that’s a dealbreaker for you, Allstate is the better option.
Allstate vs. Progressive
Progressive is a better option for one specific group of people: high-risk drivers. It has a history of insuring drivers other insurers won’t touch, so if you’re having trouble locking down coverage elsewhere, this is a great place to look. For most other drivers, we preferred Allstate’s higher number of supplemental coverage options and superior claims satisfaction scores.
What do I need to get a quote from Allstate?
You’ll need to provide a combination of personal and vehicle information. You should have your Vehicle Information Number (VIN), mileage, prior insurance carrier and the date it expired, and the date you purchased your car on hand before you start the process.
Does Allstate cover Uber/Lyft drivers?
In general, most personal auto insurance policies won’t cover accidents that occur when the vehicle’s being used for business. However, Allstate has recently created a rideshare coverage add-on for as little as $15-20 per year. There’s still a lot of variance in state laws regarding what type of coverage is needed, so be sure to check your state’s specific regulations before committing to a policy.
What are Allstate reward points?
As an Allstate customer, you’re automatically eligible to enroll in its Drivewise program, which gives you rewards points for safe driving. Just install the app, and it will automatically detect when you’re driving, deducting points for speeds over 80 mph, hard braking, and late-night driving. You get 5,000 points just for enrolling, and more the longer you practice these safe driving habits, which you can redeem for gift cards, local offers, and sweepstakes.