ALL STATE INSURANCE

 

REVIEW ALL STATE INSURANCE

by Will Berger | Sep 20, 2020

Our Review

 Providing insurance for about 16 million households, Allstate is one of the biggest insurance companies in the US. Agents all around the country are ready to help  you find the best auto insurance to fit your needs, and other types of insurance and asset protection you might be looking fo. 

Pros

  • PLots of different policy options
  • PFeatures and rewards

Cons

  • OPolicies are for only 6 months

  Summary

The biggest benefit of Allstate is that it offers almost every type of car insurance possible. You can begin with one type of policy and add more forms of coverage later. Allstate covers all 50 states and DC. A neat feature they offer is their Drivewise program,  rewards drivers with cashback for giving Allstate permission to check on their driving behavior.

There is a negative though: all their car insurance policies are for 6 months, instead of for 12 months. Allstate then has 2 opportunities each year to increase rates. But that doesn’t gurantee they will increase your rate at every 6 monthes, they just have the possibility of doing so.

What types of Auto Insurance are Offered?

Comprehensive coverage. Covers expenses related to things like theft.

Collision coverage. Covers expenses related to vehicle damage or destruction.

Liability coverage. Covers expenses related to injury, death or property damage when you are at fault.

Medical payments coverage. Covers medical or funeral expenses if you or your passengers are injured.

Uninsured & underinsured motorist coverage. Covers your expenses if the other driver is at fault and isn’t covered by any form vehicle insurance.

Roadside coverage. Covers the cost of roadside services like tire changes and jump-starts.

Personal injury protection. Covers expenses related to injuries you might suffer from an accident.

Personal umbrella policy. Covers liability above and beyond your other liability underlying limits.

Property protection coverage. Covers the cost of damages you cause to someone else’s vehicle unintentionally.

In addition, it also offers the following specialty policies and add-ons:

Accident forgiveness. Add-on that makes sure you won’t be penalized if you’re not responsible for an accident.

Rental reimbursement coverage. Covers the cost of renting a car while your car is in the shop.

Sound system insurance. Covers the cost of replacing stolen or damaged audio or video equipment.

Drivewise. Discount of up to 3% on your policy for using the Drivewise app, this app analyzes your driving behavior. Receive an additional 15% cashback after your first 50 trips, and every 6 months after that, if you keep using the app. There are more rewards for completing safe driving challenges as well.

Safe driving bonus. Receive rewards for every 6 months you don’t have an accident. This includes $100 off your collision deductible the day you sign up, and an additional $100 off your deductible for each year you drive without being involved in an accident, up to $500.

Ridesharing coverage. Limited add-on for drivers who work for services like Uber or Lyft. Only available in 42 states and DC.

Classic car insurance. Custom-made auto coverage for vintage and antique vehicles.

    How to Apply:

    Apply online or find an agent near you on their website. To apply online, just fill in some details about yourself and your vehicle. Then an agent will contact you to finish your application. To take out a policy, you need to create an account on Allstate’s website. The account can be handy, as you can use it to file claims, access tools and resources, or to review your policy documents. Online tools and resources include a calculator that is designed to help you figure out your monthly payments from your auto insurance costs, which is pretty useful.

      How to File a Claim

      Filing a claim is never fun, but Allstate offers you 4 different ways to file, to make the process as painless as possible.

          Log in to your account to file and track your car insurance claim online.

          Use the Allstate mobile app to start your claim from your smartphone and then track it anytime and anywhere. You can take photos of vehicle damage and upload them directly on the app.

          Call 1-800-ALLSTATE (1-800-255-7828) to file and track your vehicle claim over the phone.

          Contact an agent nearby to assist you.

        Customer Support

        There are Allstate agents located in all 50 states and DC ready to help you. You can also contact company headquarters or ask to speak to an agent or a member of staff:

        Phone: 1-877-810-2920. 24/7 toll-free number.

        Post: Allstate Insurance Company, P.O. Box 660636, Dallas, TX 75266

        Website: Find an agent with Allstate’s handy Agent Locator tool.