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Intro
Allstate Insurance Company is one of the largest publicly held insurance companies in the United States, servicing 16 million households. It has agents all around the country to advise you on auto insurance as well as other types of insurance and asset protection. Allstate offers a full suite of car insurance products, including collision coverage, comprehensive coverage, and roadside assistance.
Pros and Cons
One of the biggest benefits of being insured with Allstate is that it offers every type of car insurance imaginable. Therefore, if you wish to start out with one type of policy and add other forms of coverage later on, you can do so through the same provider. Allstate serves all 50 states and DC, with agents around the country to answer any questions, give you a quote, and help you purchase your insurance policy. Another handy feature is its Drivewise program, which rewards policy holders with cashback for allowing Allstate to measure their driving behavior.
Allstate ticks most boxes, but if there is an obvious downside it’s that all its car insurance policies are for 6 months rather than for 12 months. By renewing its customers policies every 6 months, Allstate has 2 opportunities each year to increase rates. Having said that, this doesn’t mean it will increase your rate at every opportunity – only that it has the option of doing so.
Types of Auto Insurance
Allstate offers the following car insurance policies:
Collision coverage. Covers expenses related to vehicle damage or destruction.
Comprehensive coverage. Covers expenses related to things like vehicle theft.
Liability coverage. Covers expenses related to injury, death or property damage in situations when you are at fault.
Medical payments coverage. Covers medical or funeral expenses if you or your passengers are injured.
Uninsured & underinsured motorist coverage. Covers your expenses if the other driver is at fault and isn’t covered by any form vehicle insurance.
Rental reimbursement coverage. Covers the cost of renting a car while your car is being repaired.Sound system insurance. Covers the cost of replacing stolen or damaged audio or video equipment.
Roadside coverage. Covers the cost of roadside services like tire changes and jump-starts.
Personal injury protection. Covers expenses related to injuries you suffer as a result of a vehicle accident.
Personal umbrella policy. Covers liability above and beyond your other liability underlying limits.
Property protection coverage. Covers the cost of damages you cause to someone else's vehicle unintentionally.
In addition, it also offers the following specialty policies and add-ons:
Accident forgiveness. Add-on that ensures you won’t be penalized if you’re responsible for an accident.
Safe driving bonus. Promises a check in the mail for every 6 months you don’t have an accident. Also includes $100 off your collision deductible the day you sign up, and an additional $100 off your deductible for each year you drive without being involved in an accident (up to a max of $500).
Classic car insurance. Custom-made auto coverage for vintage and antique vehicles.
Ridesharing coverage. Limited add-on for drivers who work for services like Uber or Lyft. Available in 42 states and DC.
Drivewise. Discount of up to 3% on your policy for using the Drivewise app, which analyzes your driving behavior. Plus an additional 15% cashback after your first 50 trips, and every 6 months after that – as long as you keep using the app. Additional rewards for completing safe driving challenges.
How to Apply
There are two ways to get a quote from Allstate and begin your vehicle coverage application: online or by using Allstate’s website to find an agent near you. If you choose to begin the process online, you’ll need to fill in a few details about yourself and your vehicle. An agent will get in touch with you shortly afterwards to complete your application. You’ll need to create an account on Allstate’s website in order to take out a policy. The good news is you can use your online account to file claims, use some of Allstate’s handy tools and resources, or even find your policy documents. The online tools and resources include a calculator to help you figure out your monthly payments from your auto insurance costs.
Filing a Claim
Nobody wants to have to file a claim, but the possibility of having to file one is the entire reason for purchasing auto coverage, right? Allstate offers 4 convenient ways to file a claim.
  • Log in to your account to file and track your car insurance claim online.
  • Use the Allstate mobile app to start your claim from your smartphone and track it from anywhere. It includes a handy function to snap and upload a few quick photos of your vehicle’s damage.
  • Call 1-800-ALLSTATE (1-800-255-7828) to file and track your vehicle claim over the phone.
  • Find an agent in your area to assist you personally.
Contact Allstate
Allstate has agents located in all 50 states and DC to help you purchase coverage or file a claim. To contact company headquarters or ask to speak to an agent or a member of staff, you can use the following channels:
Phone: 1-877-810-2920. 24/7 toll-free number.
Post: Allstate Insurance Company, P.O. Box 660636, Dallas, TX 75266
Website: Find an agent with Allstate’s handy Agent Locator tool.
Summary
Allstate offers a full suite of auto insurance products and add-ons from one of the biggest names in the insurance business. The company has operated for almost a century but has progressed with the times, offering a useful website and mobile app to make it easier for customers to purchase insurance and file claims. With so many types of products and extras, it has something to offer all types of drivers in all parts of the U.S.