Allstate Insurance Review

Allstate is a very large insurance company that was first founded back in 1931. They now provide their services to more than 16 million homes across the country. The company offers various forms of auto insurance, home insurance, life insurance, and more.

Pros

• Plenty of discounts
• Many local agents
• Digital tracking tools
• Many coverage options

Cons

• More expensive than other companies
• Customers don’t renew with them very often

Overview

Allstate is a major insurance provider, with a well known brand in America. They have an extensive range of coverage options that you can add to your standard policy. Because of this, you’re given the ability to customize your coverage. Plus, they are expensive, but do offer a ton of discounts you can make use of. If you bundle your insurance, you can save even more money.

Suitable For?

This provider is great if you want to customize your coverage. They have so many different options, that you’re sure to find something that is tailored to your needs. Their discounts also make them a good option for students and safe drivers.

Types of Coverage

When it comes to Allstate, there are a ton of different coverage forms. Here are some of their car insurance options:

• Comprehensive coverage
• Collision coverage
• Uninsured or underinsured coverage
• Bodily injury and property damage coverage
• Full coverage insurance
• Homeowners insurance
• Condo insurance
• Renter insurance
• Landlord coverage

There are even more options that you can find on their website, the above are the most popular options that this provider has to offer.

The Sign Up Process

With Allstate, you can get a free quote online. This is the first step to signing up with one of their policies. To get your home or auto quote, make sure to visit their website. You’ll likely need to have some personal information available, including your driver’s license, ID, or vehicle identification number. 

Once you fill out the form for the quote and send it back, you can be sure that the company gets to you quickly. They’ll let you know what rates they’re able to offer to you. Once you know what options are available and for how much, it’s much easier to choose the coverage that you need.

You should get a quote as the first step in the sign up process. That way, you know exactly how much money you can expect to pay for your premium. The process is short and many customers felt that it was very easy to sign up with Allstate.

Rates

Allstate has expensive rates, when compared to the national average. Here’s how their average car insurance rates break down:

• 25 year old woman: $1,920
• 25 year old man: $1,994
• 35 year old woman: $1,760
• 35 year old man: $1,740
• 60 year old woman: $1,635
• 60 year old man $1,679

To put in perspective the price of Allstate, the National average for a 25 year old woman is $1,487. The rest of the prices for the other demographics are also much higher than the national average.

The homeowners insurance varies greatly depending on where you’re living. They have an average of $169 per month for a typical 2,400 square foot home. Although, your amount could be higher or lower than that. When compared with other companies, this amount was the most expensive average for homeowners insurance.

Help and Support

The Allstate customer support line is open 24 hours a day, seven days a week. You’re sure to reach someone when you need to talk with them about your policy, no matter what the time is. They have a toll free number, but you can also contact them through email, chat online, or fill out their contact form. The customer service team also responds quickly, so be sure to ask any questions that you might have.

According to J.D. Power, the Allstate company has an average score in customer satisfaction. They also have a very high financial strength rating, which means that they can pay out the claims that you have to make. Overall, you’re likely to have a good experience with them.

Summary

Overall, Allstate offers plenty of homeowners and auto insurance policies that are dependable. While more expensive than other companies’ options, they’re still very reliable. Plus, you can make use of the discounts that they have. They have many coverage options and many different ways to customize your policies.