Allstate Auto Insurance Reviews

Allstate is one of the most respected brands in the insurance industry and is the second largest car insurance company in America. Founded in 1931, Allstate was originally part of the Sears, Roebuck, and Co. and today is the largest publicly held insurance company for personal lines of insurance.

While the company has an extraordinary 10.6 percent market share of the US car insurance market, Allstate is also a leader in life insurance, homeowners insurance, and more.

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Allstate is famous for a number of reasons, including the personalized approach of over 12,000 local agents and independently owned insurance agencies.

The company has also produced some of the most famous slogans in the car insurance industry, including “You’re in Good Hands with Allstate”.

In 2000, Allstate developed the “Good Hands Network” (a play on the words of their slogan) and introduced a way for customers to get quotes in any number of ways, including a toll free number, on the company website and through local agents.

It’s important to note that most car insurance companies had little presence online before 2000, and many feel the next decade will be very hard for independent agents to retain employment as car insurance companies move towards a direct car insurance approach.

Allstate announced in Feb 2010 that over 3,000 agents may be laid off, claiming quota deficiency; however, we expect this will be a common experience over the next decade with the advance of the internet.

Allstate car insurance commercials are also quite famous, hitting well over 7 million views on YouTube (second only to Geico commericals). The insurance company employs a number of celebrities as spokepersons, including Dennis Haysbert of “24″ fame and Dean Winters, who appears in “Rescue Me” and “30 Rock”.

About Allstate Car Insurance Coverage

As the second largest car insurance company in the U.S., Allstate certainly has a wide range of policy options for almost every driver, including all the typical types of coverage such as:

• Liability
• Comprehensive
• Collision
• GAP
• Personal Injury Protection

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One of the big advantages of Allstate auto insurance is they also offer non-standard car insurance plans in many states (high-risk insurance), and all policyholders can take advantage of a long list of car insurance discounts including:

• Good Driver Discount – Good driver discounts fall in two classes at Allstate: the Premier and Plus discounts, which apply to good drivers depending on how long your driving record has been accident and moving traffic violation free. Drivers need at least three years of a clean driving record, and the most discounts are provided for those with over five years of perfect driving.
• Vehicle Safety Discounts – Factory-installed safety equipment such as air bags, ABS brakes, and motorized seatbelts, can qualify for discounts on auto insurance.
• Multi-policy Discounts – Policyholders can save big on auto insurance by insuring other qualified items with an Allstate policy (such as homeowners insurance).
• New Car Discounts – Allstate is probably the only company we know that has a discount specifically for new, previously untitled cars.
• Defensive Driver Discounts – Any state-approved course may qualify for lower premiums — excluding those you were forced to go to by the court, of course.

Allstate also rewards policyholders with optional and additional coverage options that only select auto insurance companies offer including:

• Accident Forgiveness – A single accident waiver where at-fault accidents will not count against you. Also applies to accidents where you were not at-fault
• Deductible Rewards – An instant $100 off your car insurance deductible when you purchase the policy and another $100 deduction for each year of good driving (up to maximum of $500)
• Safe Driving Bonus – 5 percent of your policy premiums back for every six months of accident-free driving
• New Car Replacement – Total loss accidents in the first three model years of a vehicle can qualify you for a new car and not just replacement value

Allstate is also making car insurance easier for people to buy and understand. The company website has comprehensive content, not just on their own policies but also an auto insurance guide in general, and has packaged much of their car insurance into four simple plans, including the Value, Silver, Gold, and Platinum packages.

Any driver would be wise to spend time browsing through the Allstate website to learn more about car insurance coverage.

How much is Allstate car insurance?

Allstate car insurance rates depend on your profile. Many factors, such as your credit score, type of vehicle insured, and driving record, play a large role in premiums. Some drivers say that Allstate car insurance rates are higher than other companies while others find premiums a perfect combination of price, policy coverage, and customer service.

The only way to know for sure how much Allstate auto insurance is compared to other insurers is to make sure you do a car insurance comparison search.

Over 10 percent of all drivers choose Allstate as a car insurance company, so it’s pretty safe to say they are one company you certainly want on the short list when it comes time to make a decision.

Use our FREE quote tool to compare auto insurance rates today!

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