Allstate Auto Insurance Review

Allstate Auto Insurance Review
Overall Rating4.
Customer Service55555

Can’t decide whether Allstate is the best car insurance company for you? Good news — we’re here to help you find your answer.

Whether you’re looking to learn more about the company’s coverage options, discounts, or history, we’ve got you covered. Keep reading this review to learn more about what Allstate providers, and if the insurer is the best fit for you. You can also begin comparing quotes by entering your zip code into our free car insurance comparison tool.

Allstate’s History

Allstate Auto Insurance is part of Allstate, a Fortune 100 company headquartered in Northbrook, Illinois. Originally started by Sears, Roebuck & Company in 1931, it became independent in 1995.

In fact, even though Allstate Car Insurance started out with a $700,000 investment, the provider now has total assets worth billions of dollars

Although Allstate Car Insurance started out selling automobile insurance, it has grown to include 13 insurance product lines, banking services, and retirement and investment products. Over the years, Allstate Auto Insurance has received strong ratings from A.M. Best, Standard & Poor’s, and Moody’s Investors Service. Over 14,000 agents and financial advisors represent Allstate, which currently has policyholders in millions of homes.

Allstate’s Unique Policy Features

Allstate has a standard policy of Accident Forgiveness which means your rates will not increase if you are responsible for an accident. They offer a Gold Package plan that has Accident Forgiveness as well as Deductible Rewards and an optional New Car Replacement plan.

When you enroll for Deductible Rewards, you immediately receive $100 off of your collision policy. For every year that you are accident free, you receive $100 off at renewal time up until $500 in rewards has been earned.

The optional New Car Replacement Plan will replace your car instead of issuing a depreciated value check should it become totaled within the first three model years.

The Platinum Package has all of the features above and also includes a Safe Driving Bonus. For every six months that you remain accident free, you receive a check for up to five percent of your premium.

The Value Package adds the Allstate Easy Pay Plan to your policy which allows you to set up automatic bill pay.

Allstate Auto Insurance Coverage Options

The types of coverage you obtain will depend on state law as well as your personal choice. Allstate can provide you with:

  • Liability Coverage
  • Medical Payments Coverage
  • Underinsured/Uninsured Motorist Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Personal Injury Protection

You can also purchase additional coverage for items such as towing costs and reimbursement for a rental car if needed. You can even obtain coverage for your sound system.

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Allstate Auto Insurance Discounts

We get it. Just having to pay a car insurance premium can place unwanted stress on your finances, and in your personal life. It’s why discounts matter. Thankfully, Allstate has several to choose from.

Safe Drivers are rewarded through discounts such as the premier Discount (three years accident-free), and the Premier Plus Discount (five years accident-free). The provider also has a Defensive Driver Discount, which is given to mature drivers aged fifty-five or older for taking a defensive driving class. If your car is equipped with Passive Restraint Systems, Anti-Lock Brakes, and Anti-Theft Devices, you can also receive discounts.

Something else to keep in mind? A Multiple Policy Discount can save you up to ten percent on your auto insurance if you also have your property insurance with Allstate.

Allstate also offers a variety of discounts such as Good Student, Senior Adult, 55 and Retired, New Car, Economy Car, Utility Vehicle, Resident Student, and Farm or Ranch Vehicle.

Allstate Awards & Recognition

In the last couple of years, Allstate has received numerous awards and has been recognized by multiple organizations for diverse reasons. Some acknowledgments they receive are industry-specific, such as ranking in Fortune magazine’s America’s Most Admired Companies. Many other honors, however, are more company-specific, such as their diverse employee balance and flexible work schedules.

Working Mother magazine named Allstate as one of the 100 Best Companies for Working Mothers not just once but 18 times, most of which were consecutive annual awards. The same magazine also awarded them five years in a row for Best Companies for Women of Color. The Dave Thomas Foundation for Adoption twice named it as one of the 100 Best Adoption-Friendly Workplaces.

Allstate has also been named in several Top 50 lists for diversity, including from Diversity MBA Magazine, DiversityInc magazine, Hispanic Trends, Hispanic magazine, LATINA Style magazine, Hispanic Business, and The National BDPA (Black Data Processing Associates).

The Human Rights Campaign Foundation gave it the Corporate Equality Index and Best Places to Work award in both 2007 and 2008. Allstate has also earned Top Company for Executive Women several times from the National Association of Female Executives.

Technological awards include the Top 100 Best Places to Work in IT, the Top 50 Executives in Technology, and The Top 100 Innovative Users of Information Technology. Training magazine awarded Allstate eight times with the Top 100 Company for Employee Training and Development.

Forbes Magazine has named them the Top 100 in Global 2000 Companies and Fortune Magazine recognized them as the Top 200 for World’s Largest Corporations. Crain’s Magazine and Crain’s Chicago Business has respectively named Allstate in the Top 10 in Chicago’s Largest Public Company and as Chicago’s Largest Public Companies.

Compare Allstate Auto Insurance Quotes!

Allstate has been highly recognized as an industry leader in car insurance services, and is one of the largest auto insurance providers in the nation. To compare your Allstate auto insurance quotes with car insurance quotes from several top companies, use the free quote tool on this website and start saving on auto insurance today!

2 Customer Reviews of Allstate Auto Insurance

Review by Mark, November 2, 2009

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I have had Allstate for the past 10 years and I have no complaints. There rates are still competitive compared to all the other companies and I would give their customer service an A+!

Review by Joel, November 2, 2009

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I recently switched to Allstate from Esurance because of the price. I also really liked the fact that even though I bought the policy by getting quotes online and then calling their 800 number to finish up the process I was able to see a local Allstate agent to do the car inspection (with Esurance they made me drive down to a local garage and it was a little bit of a pain because they didn’t really help out with the paperwork as much as the Allstate agent did). Overall very happy so far with Allstate both because of the cheaper rates and because of the customer service.

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