UPDATED: Mar 13, 2020
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Allstate is one of the largest insurance providers in the United States, coming in second only to State Farm. Allstate offers nearly every type of insurance needed, including automobile insurance, homeowners insurance, renters insurance, condo insurance, motorcycle insurance, business insurance, life insurance, and roadside assistance insurance. The company is publicly owned and is one of the older American insurance companies.
The motto for Allstate is: “You’re in good hands.” Policyholders with the company seem to think so. Allstate does an excellent job of offering special incentives and discounts to drivers, as well as useful tools on its website. Continue reading below to learn more about Allstate and everything it offers.
The History of Allstate
Sears Roebuck and Co. started offering a brand of tires called “Allstate” in 1925. In 1931, the tire business was expanded into an automobile insurance company, thanks to the collaboration of Sears’ chairperson Robert E. Wood and Carl L. Odell, Wood’s neighbor and insurance broker. Starting in the 1950s, the company added additional insurance products to its line of offerings. It now offers many types of property insurance including homeowners insurance, renters insurance, off-road vehicle insurance, flood insurance, and boat insurance.
In the 1960s, the company started using the slogan “You’re In Good Hands.” To this day, this slogan is still being used.
As part of its marketing strategy, Allstate has sponsored many sporting events over the years, including college football (the Sugar Bowl), NASCAR, and the USA Olympic teams. It frequently supports football events. In 2007, Allstate also started sponsoring soccer.
Allstate’s User-Friendly Website
Allstate’s website is user-friendly and full of valuable resources that help drivers understand more about car insurance. Their Bumper-to-Bumper Basics interactive tool lets you quickly input information about you and your assets, then gives you recommendations on what kind of coverage you should consider for your car insurance policy. The site also has an FAQ (frequently asked questions) section that addresses most of your basic car insurance questions. It’s a great place to go to learn more about car insurance.
Allstate – Differentiating Factors
Allstate has won many awards over the years. Some of them are more obscure than others, such as the 100 Best Adoption-Friendly Workplaces – awarded by the Dave Thomas Foundation for Adoption. Fortune Magazine named Allstate one of America’s Most Admired Companies in 2007 and 2009. It has also been named the Top Company for Executive Women by the National Association of Female Executives numerous times.
Lots of Discounts With Allstate
Allstate is well-known for its Accident Forgiveness program. With this type of coverage, if you are involved in an accident, even if it is your fault, Allstate won’t raise your rates. Most companies increase your rates as soon as you are in an accident, so this is a pleasant bonus for Allstate policyholders.
Deductible Rewards is another crowd-pleaser. You get $100 back the day you sign up for Allstate car insurance, and then $100 every year you go accident-free (up to 5 years).
Their Safe Driving Bonus gives you up to 5% off of your policy at renewal for every six months you are a safe driver.
Their New Car Replacement feature gets you a brand new car if yours is totaled in the first three years of owning it. Most companies give you a check for the depreciated value, but Allstate helps you get a brand new car.
So, is Allstate a Good Car Insurance Company? Our Review
Allstate is one of America’s largest and best-known car insurance companies. Available nationwide, Allstate tends to be one of the best-reviewed car insurance companies in the United States. Customers praise the company for features like accident forgiveness and safe driving bonuses, and Allstate had fewer than the average number of complaints compared to its competitors.
In addition to providing car insurance, Allstate offers a range of other insurance policies to customers, including condo insurance, renters insurance, landlord insurance, motor home insurance, boat insurance, ATV insurance, business insurance, and umbrella insurance. As an Allstate car insurance policyholder, you may be able to enjoy significant bundling discounts by buying multiple policies through Allstate.
What makes Allstate different from other car insurance providers? The company has several tools and resources to help customers. Many customers appreciate the Allstate mobile app, for example. Most car insurance companies now offer mobile apps that let you track your policy or check the status of a claim. Allstate’s app, however, enables you to pay your bill, get roadside assistance, and even find your parked vehicle.
Plus, the Allstate mobile app includes the Drivewise tool: you can use the app to track your driving behavior, then receive a discount on your car insurance. If the Drivewise app detects safe driving behavior, then you may get a discount on car insurance premiums. You receive an immediate 3% discount just for using the Drivewise app, with further discounts available if you drive safely.
Another nifty feature on the Allstate app is the QuickTrip feature, which syncs with your calendar to help organize your to-do list. Some Allstate customers will add their car’s VIN to this tool to receive helpful, personalized maintenance reminders periodically.
In terms of financial strength, Allstate is one of the best insurance companies in the country. Allstate received an ‘A+’ or ‘Superior’ rating from A.M. Best, indicating that Allstate should have no trouble paying claims shortly.
Meanwhile, according to the National Association of Insurance Commissioners, Allstate had fewer than the median number of complaints in 2018, indicating that fewer Allstate customers complained to state regulators than average.
While Allstate offers competitive pricing in most of its coverage areas, it has poor to average scores in terms of customer satisfaction. J.D. Power’s latest rankings give Allstate an ‘About Average’ score in terms of claims satisfaction, for example. Across the board, Allstate’s claims satisfaction rankings are either average or lower.
To combat its average claims satisfaction rating, Allstate has a ‘claim satisfaction guarantee.’ You will get up to a six-month credit on your car insurance premium if you’re unhappy with how a claim was handled. In states where this policy is available, this guarantee comes free on all standard Allstate policies.
Other unique Allstate policies that customers appreciate include accident forgiveness, safe driving bonuses, deductible rewards, new car replacement, and roadside assistance.
The deductible rewards system is helpful. For each year with no driving violations, drivers will earn $100 off their collision deductible, up to $500 off. Allstate takes the first $100 off when you sign up.
Meanwhile, many customers appreciate Allstate’s roadside assistance options. Other car insurance companies force customers to pay a monthly fee or get no roadside assistance whatsoever. Allstate, meanwhile, has a pay-per-use roadside assistance plan alongside its Allstate Motor Club subscription plans, making it easy for drivers to pick the roadside assistance option that works for their unique needs.
Other bonus features with Allstate include rideshare insurance (available in 47 states), which allows customers who work for Uber, Lyft, and other ride-sharing services to have built-in coverage. Uber and Lyft’s car insurance policies only kick in when you’re carrying passengers, with limited coverage between rides. Allstate’s insurance policies make it easy to stay protected while you’re driving for Uber or Lyft.
Overall, Allstate is one of America’s most popular car insurance providers. Available in all 50 states, Allstate offers competitive pricing and a range of discounts available to safe drivers, drivers who use the Drivewise tracking app, and more. Allstate’s reviews are generally positive, although the company tends to have ‘average’-rated claims satisfaction ratings.
What Do Customers Have To Say About Allstate?
Allstate has had positive and negative feedback over the years. Some of the negative feedback has been quite controversial. One of the complaints is that is used a software program called Colossus to evaluate and process claims. It was one of several companies to use this program. Policyholders complain that Colossus has been used to low-ball claim settlements.
Other complaints often include the company using “boxing gloves” (evasive techniques) to avoid paying customers.
Allstate also has had its fair share of complaints about enticing new customers with low premiums, before steadily increasing their premiums in the subsequent years. Such customer complaints have led to the American Association for Justice to give Allstate the “#1 Worst Insurer” title in 2008.
Also, there seem to be frequent miscommunications between local insurance agents carrying Allstate insurance policies and Allstate itself. There are numerous complaints of “insurance agents quoting one price, and Allstate quoting another.”
But it’s not all bad reviews. Allstate’s customers love their easy-access customer service options. Policyholders can access their auto insurance policy online to make insurance premium payments or to check on their coverage. They can email or call customer service 24/7 with policy questions or to file a claim.
Allstate, overall, is a very reliable auto-insurance company. With its position as the 2nd largest insurer in the United States and several decades of financial success to back up its insurance industry leadership, it is unlikely that Allstate will fail in the long run. With Allstate, you can rest assured knowing that your insurance payouts will come when you need them.
Allstate is a good option if you want all of your insurance in one place. It is essential to consider all of your options, especially since the company has varying reviews. However, Allstate is widely available and easy to use, so it makes a good option for many people.
Allstate offers affordable insurance and makes even the most non-technical person feel right at home on its website. Pricing is low for policies and premiums, and the coverage options are above average.
With multiple packages for different budgets, Allstate focuses on helping the driver meet their insurance coverage requirements, no matter what his or her financial state is.
If you’re looking for a highly rated insurance company that won’t charge you an arm and a leg, consider switching your car insurance policy to Allstate.
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Lines of Insurance:
Vehicle Coverage: Auto/Truck/SUV, RV, motorcycle, ATV, PWC
Other Coverages: Homeowners, Renters, Health, Life
Vehicle Coverage Options:
- Bodily Injury and Property Damage Liability
- Uninsured / Underinsured
- Medical Payments
Licensed to sell insurance in:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, VI, WA, WV, WI, WY
A.M. Best Company Rating: A+