Allstate Car Insurance Review
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UPDATED: Oct 13, 2021
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Before you decide to get a quote for your coverage, check out this Allstate car insurance review. It will help you get to know something about the company and the coverage it offers, and you can decide whether you would like to arrange coverage through it.
Who is the Allstate car insurance company?
Allstate has been in business since 1931. The company was originally part of Sears Roebuck & Co. It became a publicly traded company in 1993. Allstate severed its corporate relationship with Sears on June 30, 1995.
The company started by offering car insurance to its customers by mail; drivers across the U.S. could order coverage through the catalogs. Its products were an extension of the products and services offered by Sears. By the end of the first year of operation, Allstate had sold over 4,200 policies and had 20 employees. The company posted a loss of $76,000 at that point.
Allstate continued to grow, and by the year 2000, customers could buy car insurance coverage over the Internet through the “Good Hands Network.” In addition, consumers can access information through the company website about available products in plain English. Keeping everything clear and understandable has been one of the many ways Allstate has helped keep drivers feeling like they’re in good hands for all these years.
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What car insurance coverage is available from Allstate?
Like many other insurers, Allstate offers free insurance estimates so that prospective customers can get an idea of how much their coverage will cost. Coverage options range includes a Value Package that lets customers set up an automatic payment plan to make their premium payments on time. This is a standard insurance package that provides for comprehensive and collision coverage.
The next level of coverage available through Allstate is the Standard Policy. It incorporates the convenience of the Value Package and adds accident forgiveness into the mix. With this policy provision, a customer’s car insurance rates don’t increase after an accident, even if the insured was the at-fault driver. This is part of the famous Allstate Safe Driver Rewards program.
The Gold Package offered by Allstate offers a higher level of protection to customers. These insurance policies provide the same features as the Standard Policy, and customers can take advantage of deductible rewards. Under this provision, a new customer receives $100 off their collision deductible immediately and $100 off for each year that they stay accident-free, up to $500.
Choosing the Gold Package also offers the company’s New Car Replacement feature. Suppose a policyholder’s car is totaled within the first three model years. In that case, they may be able to get a brand-new car instead of a check for the vehicle’s cash value under the gold package. Of course, this is part of a comprehensive coverage package. Any further details about these or any other auto insurance policies can be obtained from the insurance provider.
The Platinum Package is the top-of-the-line level of protection offered by Allstate. It incorporates the provisions of the Gold Package, along with the added feature of a safe driving bonus. In addition, every six months that a policyholder remains accident-free, they will receive a check for up to 5% of their insurance premium costs.
Keep in mind that the type of package you purchase will ultimately affect your insurance rate.
What car insurance discounts does Allstate offer drivers?
Allstate offers several discounts to its customers, including a multi-policy one. If you buy more than one policy from the company, you will qualify for a price break of up to 10% on the cost of your car insurance coverage. You could consider renters or life insurance from the company and get both at a better rate.
Maintaining a clean driving record can pay off in the form of lower auto insurance rates. Auto insurance companies will almost always reward safe driving habits. Choosing to buy your coverage from Allstate, if you have been accident and moving-violation free for a minimum of three years, you are entitled to a discount. Higher discounts are available for customers who are accident-free for five years or more.
Price breaks for good students are offered to people under 25 who are attending school full-time. In addition, parents of a student under the age of 21 who attends school at least 100 miles away from home can get a discount on the cost of the young person’s coverage.
Retired customers over the age of 55 can take advantage of preferred rates for their coverage. In addition, customers over the age of 65 who have a low annual mileage are less risky to insure than customers making a daily commute. They pay less for their coverage as a result.
Driving a car outfitted with airbags or automatic seat belts is another way to save money on your car insurance coverage costs if you deal with Allstate. If your vehicle has factory-installed anti-lock brakes, you can also get a discount from the company. In some states, the company will give a discount to a customer who has an anti-theft device installed in their car.
By reading the Allstate auto insurance review thoroughly, you can decide whether this company is one that you would be interested in dealing with or if other insurers may offer the coverage you need while driving at a better price.
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