Allstate Review

Allstate car insurance offers a lot to like, including great online policy management tools and helpful resources for filing an accident claim and learning about your insurance. Though they don't offer as many discounts or coverage options as some insurers in the industry, they make a solid choice for many drivers.

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The Good

Easy Online Policy Management

It’s nice to be able to take care of auto policy changes without spending time on the phone or paying a visit to your agent in person. Allstate makes this possible with a comprehensive online policy management center, allowing you to make all kinds of policy changes quickly and conveniently. If you want to adjust your coverage, change your deductibles, add or remove a vehicle from your policy, or add a new driver to your account, it’s a snap. Like many major auto insurers, you can print proof of insurance and pay your bill online in seconds. If control over your policy is important to you, Allstate auto insurance is absolutely worth a look.

Helpful Claim Process

When an accident occurs or your car sustains other damage covered by your policy, you want to know that you can file a claim fast, get your car fixed, and return to life as normal. Allstate car insurance provides all the resources you’ll need to navigate the claim process quickly and confidently, offering a detailed guide that helps you through the process step by step. While you can always speak to a claims agent for personalized service, you’ll also have access to Allstate’s online and mobile claim filing tools, which really help to streamline the reporting procedures. You can even download and print handy worksheets to help you collect and organize all your claim information. Getting your repairs scheduled is also easy, since there are no annoying restrictions on choosing a repair facility. Use your favorite local repair shop or select a facility in the Allstate Good Hands Repair Network, whatever makes you most comfortable.

Decent Learning Materials

If you’re a new driver or if you just want to learn more about the ins and outs, Allstate auto insurance offers a ton of great online resources to help you study up. In the Allstate Tools and Resources section, you can find articles, help guides, and video tutorials on a wide range of topics, from insurance terminology and coverage types to claim reporting and tips for insurance shopping. You can even find some good driver safety and car maintenance guides as well. As good as the content is, however, the Tools and Resources section is not well-organized and you may need a minute or two to locate the subjects you want to study up on.

The Bad

Minimal Discount Options

The biggest knock on Allstate car insurance is the limited selection of discounts. While they do offer some standard price breaks, such as those for good drivers, good students, and low-mileage drivers, you won’t find the full spectrum of discounts offered by some other insurers in the industry. For example, you won’t get a price break for insuring multiple vehicles with Allstate, a pretty big oversight considering that most of the company’s major competitors offer just such a discount. You also won’t get a discount if you are a member of the military or a member of a national organization such as AARP. Allstate car insurance doesn’t even offer a loyalty discount to clients that stick with the company from year to year. Though Allstate is one of the few players in the industry that offers an accident forgiveness program.

Limited Mobile Capabilities

Allstate auto insurance also falls a little short when it comes to mobile access. Though the company offers a mobile app for both iPhones and Android phones, it is somewhat limited compared to competing apps. For example, you cannot get a policy quote or access your insurance ID cards using the app, features that are fairly common among the best apps in the industry. On the other hand, the app does provide an accident toolkit that helps you initiate a claim and collect important information after a collision. That said, user reviews for the app are mixed, with the iPhone version garnering only 2.5 out of five stars, mostly due to its limited feature set and some functionality issues.

The Details

Financial Strength

  • A.M. Best FSR Rating: A+
  • A.M. Best ICR Rating: aa-
  • Moody's Rating: Aa3
  • Standard & Poor's Rating: AA-

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