Auto insurance isn’t always the most glamorous topic, and people don’t usually like buying policies. That’s because policyholders sometimes pay their premiums each and every month. However, they never get into accidents and file claims. That isn’t necessarily a bad thing. After all, who wants to experience property damage or injuries?
But individuals can be left feeling as if they are paying for something that they never use. Still, auto insurance is required in every state besides Virginia and New Hampshire. So, unless you live in one of those places, you better obtain a policy to ensure you don’t get into trouble with Johnny Law. But, then again, even if you reside in New Hampshire or Virginia, having top-notch auto insurance could be worthwhile.
Then, if you are ever at fault for an accident, you won’t have to pay out of pocket for damages and injuries you cause. So now the question is, “What auto insurance provider is the best?” Take a look at what people are saying in Allstate insurance reviews. Then, you’ll understand how Allstate works and if it’s the best insurance provider for you.
Discounts to Help You Save
It depends on what kind of perks or benefits you’re searching for, but Allstate has a little bit of something for everyone. Are you all about saving money? If that’s the case, Allstate could be your perfect match. It has various discount programs to help policyholders save money.
For example, there’s a mileage-based discount program called Drivewise. With it, a device collects your drive-time data, and you’re rewarded for various tasks. Policyholders receive 3-percent discounts just for signing up initially.
In addition, assessments are conducted in six-month intervals, and, after 50 trips, drivers can earn up to 15 percent cash back for safe/accident-free driving. Of course, policyholders can also get other discounts through Allstate, including:
- Allstate eSmart® discounts
- FullPay® discounts
- Multi-policy and multi-vehicle discounts
- Early signing discounts
- EZ pay plan discounts
24/7 Claims Support
There’s no telling when an accident might happen. For instance, you could be the designated driver driving your friends home from the club at two in the morning, only to have a drunk driver rear-end your car. Or, what if you’re in traffic on the freeway after work when somebody cuts you off a little too closely, striking your front fender along the way?
The point is that accidents can occur at any time and at any place. That’s why you need an insurer with 24/7 claims support like Allstate. Then, you can rest easy, knowing that help will always be available, regardless of when a crash takes place.
Do All of Your Insurance Shopping in One Location
Customers also appreciate that by giving Allstate their business, they can handle all of their insurance needs in one location. The company has auto insurance, of course, but you can also purchase home, renters, and other types of policies through Allstate. Therefore, choose the insurer, if for nothing else, because of how convenient it will make getting and dealing with multiple policies.
The myAllstate® App
Another reason why many people consider Allstate to be the best auto insurance provider is because of the myAllstate® application. This mobile app is compatible with iPhone iOS 13.0 or higher, iPod Touch, and Android 8.0 or higher devices. With the help of the application, you can access policies and ID cards, pay bills, and report claims.
Using the app, you can also get roadside assistance, accident support, and more. So, if you’re all about using your phone for everything these days, Allstate and the myAllstate® application might be the way to go.
Not the Lowest Premiums
One thing to keep in mind is that Allstate is more expensive than many of its competitors. Hence, if price is your primary concern, Allstate may not be the best choice for you. Instead, you’ll probably want to get quotes from companies like Progressive and Geico. They usually have some of the cheapest rates around. As for Allstate, those with accidents on their records should expect to pay more than they would with other insurers.
That’s because the company’s accident surcharge is much higher than other businesses. Also, age could make your premiums skyrocket. For example, the cost for an 18-year-old to get a policy through Allstate is more than double than the rates offered by competitors.
How Much Does Allstate Auto Insurance Cost?
Insurers use different factors to determine how much a person pays for auto insurance. Things like age, vehicle make and model, and location can all play roles in deciding your rates. Some insurance companies even use credit scores to help them settle prices. With that being said, it’s easy to see why you can’t get an exact quote here. However, these examples should give you an idea of what you might spend on car insurance with Allstate.
A 35-year-old female driver with a clean driving record can obtain a policy through Allstate for a policy premium of $246.00. Meanwhile, insurance from the company will run $261.00 for a male driver of the same age with a clean record. But when accidents present themselves, that’s really when the prices go up. For a 35-year-old-female with a single accident on her record, the cost of a policy with Allstate jumps to $395.00.
Some Final Words
Allstate is one of the best-known insurance providers today. However, to see exactly why that is, you should really check out what all the company has to offer for yourself. There’s a good chance you’ll be pleasantly surprised.