Allstate Car Insurance: Coverage, Discounts & Claims

As one of the largest insurers in the United States, Allstate provides quality coverage options and great value to drivers across the country. This comprehensive review covers everything you need to know about Allstate auto insurance, including pricing, discounts, claims processes, other products offered, and how it stacks up to competitors like State Farm.

Introduction to Allstate Car Insurance

Allstate is an established insurance leader that has been protecting drivers for over 85 years. Here’s an overview of their history, reputation, and policy offerings.

Allstate Insurance Background

Originally founded in 1931 as part of Sears department stores, Allstate became an independent company in 1993. It’s now one of the top five auto insurers nationally, operating in over 200 countries.

Allstate sells auto, home, renters, life, business, and specialty insurance. Their focus is providing affordable, customized coverage along with superior claims services.

Types of Auto Insurance From Allstate

Allstate offers all the standard auto insurance coverages:

• Liability - pays for injury/damage to others you cause
• Collision - covers repairs to your car from accidents
• Comprehensive - protection from theft, vandalism, weather, etc.
• Uninsured motorist - injury coverage from uninsured drivers
• Underinsured motorist - extra coverage when at-fault limits are insufficient
• Medical payments/personal injury protection - covers medical bills for you/passengers
• Roadside assistance - for towing, tire changes, jumpstarts, etc.

Plus, they offer accident forgiveness, new car replacement, and customized equipment coverage. Allstate agents can build the precise mix of coverages you need.

Allstate Insurance Costs and Rates

Auto insurance costs vary quite a bit by driver and location. Here’s a look at typical Allstate premiums and discounts available.

Average Costs Compared to Competitors

Allstate offers competitive pricing, though not always the absolute cheapest. Average annual premiums range from $850 for minimum coverage to $2,400 for full coverage.

In national rate analyses, Allstate tends to be moderately priced compared to State Farm, Geico, and Progressive. Still, costs remain affordable, especially with all the discounts provided.

Factors Affecting Your Insurance Rates

The exact details of your policy, driving record, vehicle, and location primarily influence your unique insurance rates. Some factors that increase premiums include:

• Poor credit
• Lapse in insurance coverage
• Recent accidents or traffic violations
• High annual mileage
• Teenage drivers
• Expensive or high-theft vehicle
• Urban location

Proactively improving any high-risk factors leads to significant savings. Allstate agents can assess your rates and identify potential reductions.

Discounts to Lower Your Premiums

Allstate offers a wide variety of discounts to qualifying drivers:

• Safe driving - up to 30% off for accident-free drivers
• New car - up to 20% off for new Allstate customers
• Multiple vehicles - save up to 25% for insuring more than one car
• Bundle home insurance - up to 25% off
• Anti-theft devices - up to 20% off
• Good payer - up to 25% for on-time payments
• Teen driver - up to 20% off for teen defensive driver courses

Savings Opportunities for Teen Drivers

Insuring teens can be expensive. But Allstate offers a “Your Choice Auto” policy that provides customized options to help families balance premium costs and coverage levels for teen drivers. There are also monitoring programs like Drivewise to help motivate safe habits.

Comparing Allstate to State Farm

State Farm is a top competitor of Allstate’s. Here’s how the two insurance giants stack up.

Coverage Options

Allstate and State Farm both offer standard policies along with plenty of special add-ons. Unique options from Allstate include accident forgiveness, custom equipment coverage, roadside assistance club, and identity protection services.

State Farm counters with rideshare coverage, travel expenses reimbursement, and auto deductible rewards benefit. Both feature robust offerings to tailor your insurance.

Customer Service Ratings

In national customer satisfaction studies by J.D. Power, State Farm narrowly edges out Allstate, but both earn high ratings for overall customer experience.

For claims servicing specifically, Allstate tends to rank higher than State Farm. Allstate provides 24/7 claims assistance and an easy process to file quickly online or from a mobile device.

Average Insurance Rates

Allstate and State Farm have similar pricing on average. Quote comparison analyses reveal they both tend to be moderately priced for most drivers.

Sometimes Allstate offers lower rates like for high-risk drivers. Other times State Farm provides greater discounts like for new customers. There’s no consistent winner on cost.

The best approach is getting quotes from both companies. In some cases, you’ll find Allstate provides the better value overall.

Getting a Free Allstate Auto Insurance Quote

The auto quoting process at Allstate is fast and simple. Here’s how to get started.

Online Quote Process

The easiest way to get Allstate insurance quotes is at their website. Provide basic personal and vehicle details to instantly see customized rate estimates.

The online quoting tool allows you to adjust elements like coverage limits and deductibles to compare policy costs side-by-side. Within minutes you’ll have quotes tailored to your situation.

Information Needed for Accurate Quotes

To receive the most accurate Allstate quote, have the following information handy:

• Personal details - name, address, birth date, marital status
• Driver’s licenses for all members of the household
• VIN numbers and usage details for all vehicles to be insured
• Current insurance ID cards showing coverage limits
• Claims history and driving records for all drivers
• Information about eligibility for discounts

With these details, the quoting tool will compute rates reflecting your unique risk profile and potential cost reductions.

Allstate Renters Insurance Policies

Renters insurance is affordable extra protection Allstate offers.

Coverages Included

Allstate renters insurance safeguards your personal property and belongings with:

• Replacement cost coverage for possessions - pays actual cost to replace items
• Loss of use - covers hotel or rental costs if a covered loss makes your unit uninhabitable
• Personal liability - protects if you’re sued for property damages/injuries
• Medical payments - for guests injured at your rental

You can get buyback limits to lower replacement costs for expensive items like jewelry. Optional coverages like flood protection are also available.

Bundling Options with Auto Insurance

When you bundle renters and auto insurance with Allstate, you can earn a Multiple Policy discount up to 25% off.

Renters policies also cover your personal belongings when traveling in your insured vehicles. Bundling expands protection.

Cost of Renters Insurance

Average renters insurance rates with Allstate range from $15-$30 per month based on factors like location, coverage limits, and deductible. Bundling with auto insurance lowers the price even further.

Allstate’s renters rates are very affordable and offer substantial savings over purchasing separate policies.

Filing Claims with Allstate

Understanding how Allstate handles claims is important for gauging customer satisfaction.

Ease of Claims Process

Allstate offers 24/7 claims assistance. You can report and track a claim anytime online, through their app, or by calling. The process is designed to be seamless.

Trained adjusters are dispatched quickly to assess damage, coordinate repairs, and determine liability decisions. Allstate partner repair shops help restore your vehicle back to pre-accident condition rapidly.

Customer Satisfaction with Claims

Surveys of Allstate customers give high marks for satisfaction with the claims process. Policyholders report minimal hassle getting claims submitted and appreciating proactive communication throughout resolutions.

Allstate’s fast claims handling and digital tools enhance the experience for customers. The focus on simplifying claims earns praise in reviews.

Options for Managing Claims Online

Allstate’s online claims center and mobile app allow you to easily:

• Report a new accident or loss
• Upload photos of damage
• Review status of open claims
• Pay deductibles online
• Chat with claims reps for real-time updates

The digital resources make submitting and monitoring claims quick and convenient for customers.

Other Allstate Insurance Products

Besides auto and renters coverage, Allstate offers:

Homeowners Insurance

Full insurance protection for house owners that covers property damage, personal belongings, medical payments, personal liability, and loss of use if you can’t live in your home. Discounts available when bundling with auto insurance.

Life Insurance

Options include term life, whole life, universal life, and final expense policies to protect loved ones. Customizable coverage and payouts.

Roadside Assistance

24/7 emergency roadside help with services like towing, tire changes, battery jumps, lockout help, and gasoline delivery. Available as a standalone plan or add-on protection with auto insurance.

Allstate provides complete insurance protection for all your needs. Contact a local agent to learn more and get covered today.

FAQs

How much does Allstate car insurance cost for teenage drivers?

According to WalletHub, it costs about $2,349 per year to add a teenager to Allstate car insurance. However, the actual cost can vary depending on factors such as the teenager's age, driving history, and location.

What discounts does Allstate offer compared to State Farm?

Allstate and State Farm offer similar discounts, such as multi-policy, safe driver, and good student discounts. However, Allstate also offers discounts for new cars, anti-lock brakes, and early signing, while State Farm offers discounts for accident-free driving and vehicle safety features.

How can I get a free quote for Allstate auto insurance?

To get a free quote for Allstate auto insurance, you can visit their website or call their toll-free number. You'll need to provide information such as your vehicle make and model, driving history, and coverage preferences.

Does Allstate offer renters insurance bundled with car insurance?

Yes, Allstate offers renters insurance as an add-on to their auto insurance policies. This can help you save money and simplify your insurance payments.

What coverages are included in Allstate's full coverage car insurance?

Allstate's full coverage car insurance typically includes liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection. However, the specific coverages and limits can vary depending on your state and policy.

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