allstate insurance coverage for auto Allstate Car Insurance Choosing the best car insurance policy for your family can be a challenging task. Do you choose the cheapest rate, or do you go with the provider that offers the best customer service? There are many insurance providers in the U.S., and not all are created equal. Some insurers provide insurance for a cheaper rate, but they lack when it comes to customer service and the effectiveness of the claims process.

History of Allstate Car Insurance

Founded in 1931, Allstate is one of the leading companies in the insurance industry. Allstate is not the cheapest provider, but they are a clear leader in coverage options and reliability. Allstate offers services in every U.S. state, and they provide homeowners and renters insurance, so you can bundle your car insurance with your other policies for a discount. Here is everything you need to know about Allstate car insurance. 

Allstate Car Insurance Coverage

Every U.S. state sets its own regulations when it comes to car insurance. To legally register a vehicle, you must purchase a policy that meets your state's minimum requirements. Allstate offers standard policies that meet the requirements set by each U.S. state. They also offer members the option to increase their coverage limits or add additional coverage for an extra cost. Check out the most common types of Allstate car insurance coverage: 

Most standard policies come with liability coverage, and you can add additional coverage at your discretion. 

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Check your state’s insurance requirements before purchasing a policy to ensure you are in compliance with local and state laws. 

If you total a new vehicle within the first two years of ownership, your insurance will pay for getting a new car. Most insurance providers will pay for the car's depreciated value, while further vehicle replacement coverage from Allstate will cover the car's actual cash value. 

You can add roadside assistance to your standard policy for an additional cost. Allstate's Motor Club offers this service and provides services including flat tire replacement, fuel delivery, and towing services.

Through Allstate's Ride for Hire coverage, Uber and Lyft drivers can get coverage for a reasonable cost. This feature is not available in all states, but it is offered in most major metropolitan areas. Ridesharing insurance is part of your regular car insurance policy and protects you the entire time your app is activated, not only when you have a passenger.  

Another optional coverage option is medical payments, which provide extra assistance if you are seriously injured in a collision. 

Allstate Car Insurance Discounts

Allstate offers several discounts to keep its rates reasonable for policyholders. According to a recent survey, members were extremely satisfied with the deals provided by Allstate. The company’s rates are higher than other leading insurance providers, but their discounts make their rates competitive. While they vary by state, the most common discounts include: 

Members earn $100 off their collision deductible for each year they have no driving violations. 

Please keep in mind that available discounts vary by policy type and driver location.  

Allstate Car Insurance Bundles

In addition to the typical discounts, Allstate also offers discounts for members who combine their car insurance with other insurance. An insurance bundle is when you have more than one policy with the same company, creating a "bundle" of policies.  You can bundle the following Allstate insurance products: 

Policyholders can receive discounts of up to 25% if they bundle their car insurance with their home, renter's, or life insurance policies. Bundle discounts vary by location. Therefore, you should contact a local Allstate advisor to learn about your eligibility. 

Allstate's Drivewise program is one of its hallmark discounts programs. This program rewards members based on the drive-time data collected by an application they install on their smartphone. Motorists receive a 3% discount for simply signing up for the program. Motorists can receive up to 15% cashback for maintaining safe driving habits after 50 trips.  The driving habits that must be maintained to be eligible for the discount include staying under 80 miles per hour and minimal driving at night. 

This program is not available in every area, so check with your local Allstate agent if you are interested in participating. 

Allstate is known for providing excellent customer service to all policyholders. According to a recent survey, customers rate the company highly for the value they get from Allstate. While their rates are higher than other companies, many customers agree that prompt customer service is worth the extra cost. 

Customers consistently rank Allstate's claims process as effective, smooth, and prompt. While other companies report an average of 14 days to settle a claim, Allstate takes just ten days to finalize claims. Finally, Allstate approves more claims when compared to competitors such as Travelers and AAA. 

Allstate has taken giant strides in recent years to improve its technology services. Its website has numerous tools and resources for members and prospective customers, including one to help consumers calculate the level of insurance coverage they need. You can locate a local agent, request a quote, and learn about product offerings through the website. 

Allstate also offers a mobile application for customers. Using this app, policyholders can pay their bills, manage their claims, change their policy, check on the status of a claim, or request roadside assistance. The app even allows you to map out a route to safety in case of a fire or natural disaster. The app also includes the Drivewise feature, which tracks your driving behavior and eligibility for discounts. 

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Get an Allstate Car Insurance Quote Today

Do you want to compare Allstate rates to other major insurance providers? Contact today to get information on the best U.S. car insurance lenders. You can compare coverage levels, rates, and customer service from multiple companies through our site simultaneously.

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