Allstate Auto Insurance Review

#4 in Car Insurance

 

Allstate auto insurance is a subsidiary of the Allstate Corporation which offers a range of insurance policies. Allstate auto insurance provides collision, personal injury, comprehensive coverage, rental reimbursement, towing and labor. It also offers a long list of discount options to help consumers find an auto insurance plan that does not only give them the coverage they need but one they could afford.  

 

Coverage

Comprehensive coverage

Uninsured motor vehicle coverage

Personal Injury Protection/ Medical Insurance Coverage

Bodily Injury Liability

Personal Property Damage Liability

Collision Coverage

Rental reimbursement coverage

Sound system

(Replace lost/ stolen audio and/or video equipment)

Towing and Labor

(Covers basic roadside services like tire changes and jumpstart)

 

Plans and Pricing

Male Single (insured/ no infractions)

$110 to $240

 

Male Married (insured/ no infractions)

$170 to $354

 

Female Single (insured/ no infractions)

$110 to $200

 

Female Married (insured/ no infractions)

$160 to $360

 

Discounts

Multi-policy discounts

(Up to 10% discount on your auto insurance when you purchase a home or renters policy)

Auto/ Life Discount

(Auto insurance discount when you purchase a life insurance policy)

Group discounts

New customer

Multi-vehicle discounts

Good student discounts

Utility discount 
(Up to 15% discount for utility vehicles with a model year of 2002 and prior)

Farm vehicle discount 
(Save up to 10% when you vehicle is used primarily for farm or ranch work)

 

Preferred payment discounts

  • EZ pay plan discount 
    Up to 5% discount with automatic withdrawal.
  • eSmart® discount 
    Up to 10% discount when you Sign up for ePolicy, view all your insurance documents online.
  • FullPay® discount 
    Up to 10% discount when policy is paid in full.
  • Early Signing Discount® 
    Up to 10% discount when policies are signed seven days before it becomes effective
  • Good payer discount 
    Up to 5% discount if you did not receive a cancellation notice for non-payment during the past 12 months.

 

Vehicle safety discounts

  • Passive restraint discount 
    Up to 30% discount for vehicles with factory airbags and motorized seatbelts
  • Anti-lock brake discount 
    Up to 10% discount
  • Anti-theft device discount 
    Up to 10% discount
  • New car doscount
  • Up to 30% discount 
  • Economy car discount 
    Up to 10% discount for insuring economy cars and driving green

 

Lifestyle Discounts

  • Senior adult discount 
    Up to 10% discount for drivers who are at least 55 years old/ not actively seeking full-time employment
  • 55 and retired discount 
    Up to 10% for drivers who are at least 55 years old and not actively seeking full-time employment
  • Resident student discount 
    Up to 35% discount off your premium if you have a child attending school at least 100 miles away from where your car is garaged
  • Good student discount 
    Up to 20% discount for single, full-time students under the age of 25

 

Driving Discounts

  • Premier discount 
    Up to 22% discount for driving 3 years without any violations or accidents
  • Premier plus discount 
    Up to 35% discount for driving 60 months without any violations or accidents
  • Safe drivers discount 
    Up to 45% discount for safe driving habits
  • teenSMART discount 
    Up to 10% discount for teens who successfully completes the teenSMART driver education program
  • Defensive driver discount 
    Up to 10% discount for drivers who are 25 years old, have completed six or more hours of defensive driving courses and have no violations and no at-fault claims

 

Financial Ratings

A.M Best Financial Rating A+

A.M. Best Issuer Rating aa-

S&P Financial Strength AA-

S&P Issuer Strength AA-

 

Support Services

Roadside assistance

24/7 claims reporting

 

The Bottom Line - Allstate Auto Insurance

Allstate auto insurance offers a well-rounded list of coverage and discount options. It comes with strong financial ratings that assure consumers that the company would be able to meet its promises. However, Allstate auto insurance premiums are on the pricier side of the scale which can offset some of the savings a consumer enjoys with its discounts.