Connect with us

Finance

With Its “good Hands” And “try Harder” Attitude, Allstate Car Insurance Might Be A Great Option For You And Your Family.

If you’re old enough, you may remember the Avis rent-a-car commercials that bragged how “We’re number two, we have to try harder!” The same could be said about Allstate car insurance. While big, they still consistently rank #2 for US car insurance market share and perhaps because of that, the good hands people are always looking for new ways to earn your business.

How they rank

While there are differences (some quite startling) from state to state, overall, you’d have to say it’s a mixed bag for objective ratings. J.D. Power & Associates ranks Allstate number 20 overall for a combination of value, service, claims handling and overall customer satisfaction. (It’s interesting to note that Allstate’s fairly recent online car insurance provider, Esurance, ranks two places higher overall at 18.)
In the annual MSN/Money Magazine survey of car insurance companies, Allstate fares a bit better. On a 100-point scale, the company earns an 81-82 point rating, placing them #10 overall.
A.M. Best Company gives Allstate an overall grade of A+ and on a 5-point scale, they earn a 3 for both Overall Purchase Experience/Value and for Claims Handling/Resolution.

What they offer

When it comes to building a car insurance coverage plan with Allstate, they offer standard coverage options for individual and family policies, including:

  • Liability (both bodily injury and property damage liability) coverage
  • Medical payments coverage
  • Underinsured/Uninsured motorist coverage
  • Collision coverage
  • Comprehensive coverage
  • Personal injury protection (PIP) coverage

In addition to these standard coverage options, Allstate offers some add-on services to bolster the protection you get from a car insurance policy. These include:

Roadside assistance options

The company offers three separate programs providing a varying range of roadside assistance options. These programs are:

  • Good Hands® roadside coverage –

    this is a no-cost add-on (in most states) that allows you to add up to five cars that can be serviced through a full-protection insurance coverage policy.

  • The Allstate Motor Club –

    available, even if you are not insured with Allstate, and is similar to other roadside assistance and car clubs. You can pay an annual fee (starting as low as $50-per year in some states) and have access to emergency roadside services, travel discounts, even help with legal defense and bail expenses should you find yourself in that predicament.

  • Allstate Towing & Labor –

    the cost of this add-on varies from state to state and depends on whether you have full coverage or options in place like comprehensive coverage (you will pay separately for each car you wish to include)

Rental car reimbursement

You can also add an option to your Allstate car insurance that will cover the cost of a rental car, should you need one while your insured vehicle(s) are in the shop due to a covered accident. While the costs and coverage options vary from state to state, you generally have to have either collision or comprehensive coverage already in place to add this feature.

Discounts & unique service features

Allstate works hard to make it easier for you to choose them, and one way they will entice you is through a growing list of possible premium discounts. They currently boast 15 available discounts (although your eligibility will depend on a number of factors, including where you live and drive) including:

  • Safe driver discounts
  • Early signing discounts (if you switch insurers before your policy term with another carrier is up)
  • Good student discounts
  • New car discounts
  • Deductible rewards (where your deductibles drop every year you are accident-free)
  • Resident student discounts (if you have driving-aged kids in school more than 100 miles from home)
  • If you are 55 or older and retired discounts
  • Safety equipment and anti-theft devices discounts
  • Multi-car discounts
  • Multi-policy (bundling) discounts

The company also offers what it calls the Allstate Value Plan® which offers free membership in its roadside assistance program, automatic discounts and additional discounts with businesses like BestBuy, Amazon and Macy’s.
It’s fairly new Your Choice Auto® plan includes a “safe driver rebate” check they send you for every six months of accident-free driving.
You can also use the company’s Bumper-to-Bumper Basics® online service whereby you plug in certain information and get a range of coverage levels, options and possible quotes for the coverage it feels is best suited to your unique driving requirements.

Supporting safe teen driving

Allstate is committed to helping young drivers be safe drivers and it continually upgrades its teen driving safety programs to try and meet the needs of today’s youngest and most vulnerable drivers. Its online offerings include video games emphasizing driving safety for teens. It also offers tools and techniques for parents of teen drivers as they work to shepherd and protect their newest drivers.
Being number two isn’t all that bad, especially if you are in the market for some innovative and affordable car insurance coverage, which you may be able to find with those good hands people at Allstate.

Featured images:

License: Image author owned
Jeffrey Davidson is a writer with Reply!. He has more than 25 years of marketing research, public relations consulting and freelance writing experience and work in all areas of the auto insurance industry. For more help, see his main article on car insurance quotes www.reply.com/insurance/allstate-car-insurance-an-overview-of-policy-options/

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published.

Recent Posts

Business2 days ago

Why Is Quantity Surveying Essential in Construction Industry

Quantity surveying is an essential part of the Australian construction industry. It is the process of calculating and estimating the...

Home Improvement4 days ago

How to Maintain Upholstered Furniture

No matter if you have pets or kids, maintaining your upholstered furniture is quite a challenge. Even though vacuuming it...

Business1 week ago

How Do I Find a Good Bubble.io Developer?

Finding a good bubble developer to help build your app or digital product can seem challenging. How can you choose...

Home Improvement2 weeks ago

When is a right time for home repairs?

Summer is a popular time for a renovation around the globe. While it is true that bright days and warm...

Top Alteryx Competitors Top Alteryx Competitors
Tech3 weeks ago

Top 15 Alteryx Competitors

The world has seen a tremendous rise in startups and new incorporations in the business world. Companies have great potential...

Lifestyle1 month ago

Latest Wedding Trends for 2023

If you’re planning on getting married this year, chances are you’re probably overwhelmed and confused when it comes to wedding...

Lifestyle1 month ago

Tips To Make The Most Of Your City Break In London!

London is one of the best cities in the world, known for its quintessentially British culture, great nightlife, fantastic museums...

General1 month ago

The Ultimate Guide To Packing For A Trip To London

London is one of the best cities in the world, known for it’s rich history, quintessentially British culture, the best...

Tech2 months ago

Top 15 Web Development IDEs

The web development field has seen sustainable growth throughout the years. As technology is advancing, so is the web development...

devops devops
Tech2 months ago

12 Key DevOps Programming Languages to Still Popular in 2022

“DevOps is not a goal, but a never-ending process of continual improvement.” – Jez Humble Delivering the finest of services...

Entertainment2 months ago

Festival Fashion Style Tips For 2022

Summer is well and truly here and with that comes the festival season! From the biggest stars performing on stage...

Green & Energy2 months ago

4 Tips For Making Your Wardrobe More Sustainable

Everyone is trying to make more of an effort to make their wardrobe more sustainable, but often are unsure where...

General3 months ago

7 tips on how to organize a budget-friendly move

If you are planning a move any time soon, you might be worried about all the expenses that wait for...

Metal Roof Colors Metal Roof Colors
Home Improvement3 months ago

Metal Roof Colors: How to Select the Best Color for a New Roof

Choosing the right type of material for your roof is enough of a hassle already that the question of choosing...

Health3 months ago

Simple Ways To Feel More Confident At The Gym

If you are new to the gym, or you haven’t been in a while, sometimes you might not feel completely...

Categories

Archives

Trending