Allstate Insurance Review  2023

This insurance review by Agency Height examines Allstate Insurance in detail. We pay special attention to the coverage they provide as well as their client service. We also go over some key pros and cons, and some other important criteria for you to consider.

Allstate Insurance Company is a leading provider of car, home, life, motorcycle, renters, and off-road insurance, among other products. They are also well known in the auto insurance business for their long history and comprehensive offerings.

Allstate may or may not be the greatest option depending on your needs. You must balance the benefits and drawbacks to find the top insurance companies in the U.S..

Thus, here’s a detailed review to help you understand whether Allstate meets all your needs or not.

Allstate Overview

• Reviews: U.S. News (198), Consumer Affairs (638) | Total (836)
• Rating: U.S. News (3.7), Consumer Affairs (3.8) Average (3.75 out of 5)
• Phone number: 800-726-6033
• Address: 3100 Sanders Road, Northbrook, IL 60062

About Allstate

Allstate was established in 1931 by General Robert E. Wood, the President and Board Chairman of Sears, Roebuck & Co. With about $45 billion in revenue in 2020 and approximately 87,000 employees, agents, and support staff, Allstate is one of the largest insurers in the United States.

Allstate has over 16 million clients and 175 million policies. It also owns some other well-known insurance companies like Encompass Insurance, SquareTrade, and Esurance. Different companies such as Allstate New Jersey Property and Casualty Insurance Company and Castle Key Insurance Company in Florida, work with Allstate to underwrite its products.

Besides being the pioneer insurance provider in the USA, Allstate also established the Allstate Foundation in 1952, a philanthropic organization dedicated to giving back to communities, empowering nonprofit leaders, assisting domestic violence survivors, and supporting students and educators.

Fact:

Allstate was the fourth-largest vehicle insurance carrier in 2021, according to the National Association of Insurance Commissioners (NAIC), writing approximately $27.2 billion in premiums.

Products and Services From Allstate

Allstate delivers a wide range of coverage options. It includes the common ones like scheduled personal property coverage for high-value appraised items. For less common coverages, it has options geared explicitly for sports equipment, musical instruments, and yard and garden.

Likewise, Allstate will introduce you to local insurance brokers near your area, where they help you tailor your coverage to meet your needs.

Although Allstate is one of the more expensive homeowner’s insurance companies, it provides ample of discount options. This way you can lower the premium cost.

Here is the list of some of the major products offered by Allstate:

Other Additional Products

Discounts and Offers From Allstate

Multiple Policy Discount

You can save up to 10% on car insurance and 25% on homeowners insurance by bundling house and car insurance plans under this policy.

EZ Pay Plan Discount

This discount is available if you set up automatic payments from your bank account.

Allstate eSmart Discount

You can save some more by paying your auto insurance bill online.

FullPay Discount

To qualify for this discount, you must pay your complete subscription in advance.

Early Signing Discount

You must sign your policy documents at least seven days prior to the policy’s start date to get this discount.

Responsible Payer Discount

If you did not receive a cancellation notice for non-payment the prior year, you may be eligible for a reduction after your first year.

New Car Discount

You will qualify for this discount if you insure a new car.

Anti-Lock Brake Discount

If your vehicle has anti-lock brakes, you will receive a little discount.

Anti-Theft Device Discount

If you drive a car with an anti-theft system, you may be eligible for this discount.

Good Student Discount

Available to full-time, unmarried students under the age of 25 with good grades and live within 100 miles from the garage with the insured vehicle.

If your grades aren’t good, you can save some money by completing its driver’s education program.

Safe Driving Club
If you meet Allstate’s safe driving requirements, you are eligible for this discount.

Students Away from Home
Allstate offers a student discount to young drivers who attend school more than 100 miles away from their registered address.

 

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Other Savings

Drivewise by Allstate

Drivewise is Allstate’s telematics insurance program. It rates your driving behavior behind the wheel through a mobile app used to calculate your premium. It calculates the rates based on speed, braking, and driving time. Good driving habits can earn you a significant discount. As per Allstate, enrolling in Drivewise can save you up to 40% on your premium.

Milewise by Allstate

Milewise is Allstate’s pay-per-mile program. It’s a good fit for infrequent or low-mileage drivers. The program evaluates mileage and driving behavior using an app and a plug-in device for your car. A total of two factors determine your premium: the daily rate and the per-mile rate.

Safe driving, such as avoiding speeding, rapid braking, and late-night driving, can help Milewise drivers save money on their insurance. If you drive 1,000 miles per year, the company claims you’ll save up to 72% per year.

Milewise is accessible in Arizona, Delaware, Florida, Idaho, Illinois, Indiana, Maryland, Massachusetts, New Jersey, Ohio, Oregon, Pennsylvania, Texas, Virginia, Washington, D.C., and West Virginia

Allstate Customer Service

Allstate is known for its exceptional customer service, with a strong commitment to providing personalized support to each and every customer. Allstate also provides customers with a variety of self-service options, such as online account management and digital claims filing, to make managing their policies and claims as convenient as possible.

In addition to its multiple communication channels, Allstate also offers a range of resources and tools to help customers better understand their insurance policies and make informed decisions. These resources include educational articles and videos, interactive tools, and online communities where customers can connect with other policyholders and Allstate representatives.

Allstate’s commitment to customer service is reflected in its high customer satisfaction ratings and awards. The company has consistently received top marks in customer satisfaction surveys, including J.D. Power’s U.S. Auto Claims Satisfaction Study and U.S. Home Insurance Study. Allstate has also been recognized for its customer service with awards such as the 2020 Temkin Experience Ratings and the 2020 Customer Service Champion by J.D. Power.

Allstate Cost and Quotes

The national average cost of homeowners insurance in 2018 was reported to be $1,249 per year, based on a study conducted by the Insurance Information Institute (III) in 2021.

Allstate insurance cost and quotes are determined based on a variety of factors, including the type of insurance coverage, the amount of coverage needed, the customer’s location, driving record, credit score, and other personal information. Allstate offers a range of insurance products, including auto, home, renters, life, and business insurance, as well as specialty insurance products such as motorcycle and boat insurance.

Customers can obtain a quote for Allstate insurance by visiting the company’s website, calling their customer service hotline, or contacting an Allstate agent in their local area. The quote process typically involves providing some basic information about the customer and the type of insurance needed, after which Allstate will provide a personalized quote that includes the cost of coverage and any available discounts.

How to File Allstate Insurance Claims?

Allstate claims process is designed to be quick and easy, helping customers get the support they need during a difficult time. Customers can file a claim with Allstate either online, through the Allstate mobile app, or by calling the company’s 24/7 claims hotline. The process typically begins with providing basic information about the incident, including the date, time, location, and a description of what happened.

You might also need to provide:

• Contact information for anyone involved
• Property information and insurance information for each vehicle involved
• Photos of damages
• Location and time of date of occurrence
• A copy of the police report
• Names of officers that responded

Next, an Allstate representative will review the claim and determine the coverage options available to the customer. Depending on the situation, the representative may need to schedule an inspection or request additional information. Once the claim is approved, Allstate will work with the customer to settle the claim and provide any necessary repairs or replacement of damaged property. Throughout the process, Allstate keeps customers informed with regular updates on the status of their claim. Overall, the Allstate claims process is designed to be efficient, transparent, and customer-focused, providing peace of mind and support when customers need it most.

Ratings From Well-known Rating Services

Conclusion

With a wide range of coverages, high customer satisfaction, and financial strength ratings, Allstate can be a viable option for your house insurance policy.

Allstate is comparatively more expensive than other homeowners’ insurance providers. The hefty price can be worth it if reliable customer service and quick claims processing are what you are looking for.

While Allstate’s list of discounts isn’t the most extensive, it does include many optional coverages that allow homeowners to customize their policies to meet their specific needs.

So, Are You in Good Hands with Allstate? 

Overall, yes. Allstate has a wide choice of products to choose from. The local agents’ and claims response team’s strength and service abilities may influence their insurance experience. Based on the above evaluations, the company is financially sound.

Points to consider:

• Allstate has been in business for a long time and has seen many claims. It has evolved to meet the needs of its customers, offering a growing product line and digital customer service experience.
• It takes an active initiation in the community through the Allstate Foundation

Overall, Allstate is a good and reliable insurance company. Their ratings suggest they deliver without fail to a claim, promptly address complaints, clear your queries and provide a positive experience.

Compare Allstate with Other Insurance Carriers

• Allstate vs State Farm