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Allstate Insurance Review 2020 | Insurance Online
Allstate insurance is popular for providing comprehensive car insurance policies, home insurance, life insurance, and several other financial services. Allstate is recognized for its financial stability and a wide range of networks across the country. Allstate is an excellent choice if you are looking for an insurance company that is easily accessible and holistic.
Allstate reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
Allstate Auto Insurance Rating
Allstate Insurance is rated 4.5-stars for its extensive over-all performance in providing car insurance for US citizens. We assess Allstate’s rating by looking closely at its policy rates for different drivers, financial stability, ease of making a claim, discounts, and complaint information from the National Association of Insurance Commissioners. Upon examining these factors, we recognized Allstate as one of the best car insurance companies.
Allstate Car Insurance Coverages and Features
You may have heard your insurance broker mention full coverage insurance but do you actually know what it means? The definition and meaning of this insurance coverage can vary depending on the person offering the explanation. This is why we created this write-up to clear the air on the actual meaning of full coverage auto insurance. Read on so that you can make a well informed decision when shopping for auto insurance.
|Allstate Auto Coverage Options with Extra Charges||Description|
|Accident Forgiveness||With Allstate, one at-fault accident will not increase your rate.|
|Safe Driving Reward||You will receive a check from Allstate every six months of responsible driving.|
|Deductible Bonus||For each year that do not acquire any driving violations, Allstate will reward you with a $100 -$500 collision deductible.|
|New Car Replacement||If you totaled your car within the first two years of being with Allstate, the company will replace your depreciated car with a new car.|
|Roadside Assistance||Allstate comes with either pay-per-use, add-ons to your car insurance policy, or a membership to Allstate’s Motor Club.|
|Rideshare Insurance Offer||This feature from Allstate is intended for Rideshare drivers, such as Uber and Lyft. However, this coverage is only available for specific states. Allstate’s Rideshare coverage will be active only during the times you are carrying a passenger. Regular policy and coverage will apply whenever your Rideshare application is not on or inactive.|
|Allstate Auto Coverage Options without Extra Charges||Description|
|Car Purchasing Service||This service from Allstate entitles you to a discount when purchasing a car. Information about the cost, incentives, and fees will be provided to you for assessment.|
|Claim Satisfaction Guarantees||Claim Satisfaction Guarantee comes free with all the standard policies of Allstate. If you are unsatisfied with your claim, Allstate will issue a six-month credit on your auto insurance premium.|
|Milewise Feature||Milewise insurance policy is a rate case per-mile rate. This offer is ideal if you don’t drive or have a shorter commute to and from work. Drivewise is an application that entitles you to a 10% discount.|
|Drivewise Feature||Drivewise analyzes your speed, brakes, and time of driving. It helps you drive safely and assess your speed in real time. After six months of driving carefully, you will be rewarded with 25% of shopping reward points.|
Allstate Car Insurance Discounts
- Brand New Car Discount
- Bundling or Multiple Policy Discount
- A Good Student Discount
- Anti-Lock Brakes Discount
- Discount for Anti-Theft Device Installation
- Early-Signing Bonus
- Online Application or Paperless Discount
- Safe-Driving Discount
- Automatic Withdrawal Discount
- Past Year Good Credit (If you did not receive cancellation notice due to payment failure the previous year.)
Allstate Homeowners Insurance
Allstate provides standard insurance for homeowners, which also covers apartments, condominiums, and mobile homes. Allstate’s coverage options include these features:
|Allstate Homeowners Insurance Policies||Description|
|Water-Backup Coverage||A payout will be provided when your drain or pump gets faulty and causes water damage to your residence.|
|Property Coverage Schedule||In case your valuables are stolen or damaged, you can submit an appraisal for these properties and acquire a payout.|
|Green Design Improvement||Financial assistance will be provided to upgrade your system to more energy-efficient versions after you file a claim.|
|Identity Theft Restoration||Allstate provides reimbursement for legal fees, lost wages, and other expenses for your stolen identity.|
|Electronic Data Coverage||Allstate will cover the cost of replacement if you lose any computer data.|
|Business Property Coverage||Allstate covers any business-related expenses.|
|Yard and Garden Coverage||Financial assistance will be provided for purchasing any landscaping needs.|
|Host Advantage Coverage||Allstate offers home-sharing insurance if you rent out your home temporarily via Airbnb or other platforms. Allstate will help with repairs and other expenses. However, this policy is only available to select states.|
Allstate Home Insurance Discounts and Perks
- A Multi-Policy Discount
- Automatic Payment Discounts
- Company Switch (Switching your residential insurance to Allstate without any recent insurance claim.)
- A Fire Protection Device Installation Discount
- Early-Signing Bonus
- A Welcome and Loyalty Perks
- New Home Discount
- Age Bonus (Applies to retired or 55+ years old clients.)
- Smoke-Free Home Discount
- Storm Shutter Installation Discount
- Hail-Resistant Roof Installation Discount
Allstate Life Insurance
The Term Life Insurance of Allstate is offered in terms ranging between ten to thirty years. It does not require a five-year increment while having options for monthly payout or permanent life insurance conversion.
Allstate Customer Satisfaction Assessments
Allstate is considered as one of the most reliable insurance companies in the country. It has very low customer complaints garnered from the National Association of Insurance Commissioners relative to its size for the car, life, and home insurance.
Allstate’s overall rating in the US is above average with significant consideration to the range it covers across the nation. Here is a comprehensive study from the 2019 J.D. Power Study:
|Assessment Category||Allstate’s Customer Satisfaction Rating|
|Vehicle Insurance Policy Claim Satisfaction||Above Average|
|Vehicle Insurance Shopping Satisfaction||Above Average|
|Home Insurance Policy Satisfaction||Average|
|Property Insurance Claims Satisfaction||Average|
Allstate’s Digital Platforms
|Digital Platform||Allstate’s Customer Satisfaction Rating|
|Allstate’s Website||Allstate has a modern, holistic website that caters to all the services they provide. Online retirement planning is also included. Through the website, you can easily find a reliable local agent, get a quote, and learn more about their products and services.|
|Allstate’s Mobile Application||Allstate created a mobile and user-friendly app that lets you pay your bills, manage or access your policies, check claim status, acquire roadside help, maps that give you paths to safety, emergency help in case of fire, and Drivewise for safer driving behavior.|
|Allstate’s Digital Locker Application||This app was created to help you track and create an inventory of the valuable items in your residence. It is convenient in cases that you need to make a claim.|
Allstate’s Other Insurance Services
- Condominium Insurance
- Snowmobile Insurance
- Renter’s Insurance
- Motorcycle Insurance
- All-Terrain Car Insurance
- Business Insurance
- Boat Insurance
- Mobile-Home Insurance
Allstate Client Satisfaction Pros and Cons
|Minimal complaints from state regulators for both home and car insurance policies.||Average customer satisfaction ratings compared to other companies.|
|Offers comprehensive perks to their clients.|
|One of the few insurers that offer Rideshare Insurance and Home-Sharing Insurance.|
Insurance Online Car Insurance Rating and Review Methodology
We commend every insurance company that extends value to customer-first features and operations. The rating we disclose is assessed through weighted averages and scores from several categories such as financial stability, customer complaints and satisfaction, transparency of their digital platforms, and competitive pricing.
Moreover, we conduct customer satisfaction surveys to extensively provide reviews and ratings that are dependable and fair. However, it is best to compare several insurance companies to account for your own judgment and needs.
*Insurance Online is not compensated with our ratings and reviews by any insurance companies.
Insurance Online Complaints Methodology
We examine the complaints from state insurance regulators that are reported to the National Association of Insurance Commissioners (NAIC) between 2017-2019. NAIC extensively calculates the complaint index yearly following each subsidiary to measure the total share of complaints in ratio to the company size.
Allstate Insurance FAQs
How can I switch to automatic payments with Allstate?
You can enroll or sign up for an Automatic Payment account with Allstate. Through this, you can easily alter your payment options, suspend payment for one cycle, change the payment date, or cancel all payments.
How do I check the status of my claim with Allstate?
Allstate has an application that lets you check the status of your claims and other services they offer. Ideally, you can directly contact a local agent in your area to inquire about their services.
What are the possible outcomes if I miss or delay my payments for my car insurance premium with Allstate?
If you miss your payment, it will cause a lapse in your coverage that can potentially lead to the cancellation of your auto insurance premium policy.
How do I switch to paperless transactions with Allstate?
You can download Allstate’s mobile application and log into “My Account.” Once you have logged in, you can easily change your transaction to paperless by switching off paper delivery to your address and receive email notifications instead.
How do I know or acquire my car insurance agent’s name?
Allstate clients are given insurance cards with your agent’s name and contact information.