Allstate Automotive Insurance Evaluation 2021 • Get Quotes • Benzinga – Benzinga
Allstate offers a variety of auto coverage options, including a few specific ones that you won't find with every company.
Liability insurance helps with your costs if you have an accident and it is found to be at fault. It helps cover medical expenses for injured people who were not in your vehicle. It also helps repair or rebuild the property of other people involved in the accident, including their vehicles. However, it does not cover the cost of repairing your vehicle. This coverage is required in almost every state.
This coverage helps pay for damage to your vehicle if you are involved in an accident. It includes accidents involving other vehicles as well as hitting a stationary object such as a stop sign. It also covers you when someone hits your parked car.
More can happen to your vehicle than accidents. Weather, vandalism, theft and more can damage your vehicle. Comprehensive insurance coverage helps to repair or replace your vehicle in these situations.
Protection against personal injury
Personal protection covers the medical costs of those involved in the accident, regardless of their fault. It can also help with other costs such as loss of income. It is required in some states.
Health insurance coverage
Health insurance covers medical expenses for you and your passengers. It's an optional cover. States offer personal injury protection or health insurance, not both.
Uninsured and uninsured motorist protection
This feature covers costs related to an accident when the other driver is at fault and has no insurance. It also occurs if the driver is not sufficiently insured to cover the accident.
This optional cover from Allstate helps with towing, tire changes, jump starting, lockout and fueling. Allstate offers a pay-per-use option and 2 membership plans. The Roadside Advantage plan offers up to 3 rescues per year and a benefit of up to $ 150 per haul. The Roadside Elite plan offers up to 5 rescues per year and a $ 250 benefit per haul. Roadside Elite includes motorcycles and RVs, as well as cars and trucks. These plans are not available in California.
Rent Refund Protection
It is extremely difficult to drive without a vehicle. This optional coverage provides financial assistance when renting a vehicle when it is being repaired due to a problem covered by your insurance.
Classic car insurance
Classic cars have a value that exceeds the sum of their parts. That means you need insurance that shows the real value of your vehicle. Classic car insurance is based on the agreed value of your vehicle. However, these guidelines may have mileage restrictions and may dictate storage requirements.
Car insurance for trips to Mexico
Your auto insurance coverage may not cover you when driving in Mexico. Allstate offers Mexico Tourist Auto Insurance to cover medical bills and auto repair bills if you are involved in an accident while driving a US or Canadian license plate. You can adapt the policy to the length of your stay.
Some policies may not cover you when driving for a rideshare service. Allstate's Ride for Hire coverage can help fill these gaps. This coverage varies by state and is not available in New York.
Drivewise is a unique program from Allstate that rewards you for driving safely. You receive cashback every 6 months for safe driving. You can also collect reward points that you can redeem at merchants. You can use Drivewise by downloading the mobile app or by asking a device to connect to your car. The plug-in device is available in New York and Alaska.
Miles at a time
Milewise is car insurance that is paid per mile. You pay a low daily rate and a kilometer price. This choice could save you money if you don't drive often. It's available in several states and you use a plug-in device to track your mileage.
There are several ways to get in touch with customer service. Your best point of contact is your Allstate agent. Your agent can help you make changes to your policy and file a claim. You can also contact Allstate directly by calling 1-800-255-7828 by logging into your online account or using the mobile app.
Although you can get a quote online, it is best to work with an agent to make sure you are getting all of the discounts that you are entitled to. Allstate offers several discounts to cut your costs:
- Discount on multiple policies with more than one policy on Allstate
- Discount for the full payment of your policy
- Discount for signing up for automatic payout
- New car discount for vehicles of the current model year or 1 year before
- Discount for responsible payers who have not received notice for non-payment in the last year
- Discount for anti-lock brake
- Anti-theft discount
- Discount for signing your new policy at least 7 days before the effective date
- Discount for paperless handling of your policy documents
Allstate also offers a smart student discount. To qualify, one or more of these qualifications apply:
- Under 25
- Have a GPA of 2.7 or higher, or a B-average or higher
- Have successfully completed the teenSMART driver training program
- Visit the school at least 100 miles from your car garage
Allstate Car Insurance has a full-featured mobile app that makes it easy for you to pay your bills, make claims and get help when you need it. The app offers digital IDs and a feature called QuickFoto Claim that allows you to take photos of damage with your phone and upload them through the app.
You can also contact Roadside Assistance through the app and through your agent.
Users can get a lot out of their Allstate policy. It offers multiple discounts, a useful mobile app, and local agents for support. One of the advantages of working with a national company is that it is readily available so you can get the help you need when you need it.
A user's experience depends on the quality of their agent. It also depends on whether Drivewise or Milewise are available in your area. The website and mobile apps are easy to navigate. When you have a good agent, they are an invaluable resource.
Allstate vs. Competitor
This is how Allstate fares against its competitors.
Allstate auto insurance overall rating
Allstate Auto Insurance offers a variety of coverage options, including some unique offers such as Ridesharing, Drivewise, and Milewise. You have several customer service options and a useful mobile app. Overall, it is worth getting a quote from Allstate to see if the cover is right for you.
Allstate Drivewise tutorial
You have two options for using Drivewise. The first is to enable them in the Allstate mobile app. The other option is to request a device that plugs into your car (available in New York and Alaska). Even if you request the plug-in device, you can view your journeys and driving habits with the mobile app. Learn more about Drivewise below.
frequently asked Questions
Is Allstate Auto Insurance Good?
Is Allstate Auto Insurance Good?
Allstate has an A + rating from AM Best, which means it is financially stable. It has a wide variety of insurance options and a national presence. It is a good insurance company for many people, but whether or not it is right for you depends on how it compares to your other insurance options.
Why is Allstate so cheap?
Why is Allstate so cheap?
Allstate offers a variety of discounts that can help reduce insurance costs. In addition, your insurance cover is cheaper depending on where you live, age, driving history and type of insurance cover. It's always best to get multiple quotes for auto insurance (and other financial products).