Allstate Auto Insurance Review
Allstate receives “superior” ratings from A.M. Best and is a “Fortune 100” company. Concerned with the specific needs of Florida residents, Allstate provides an online summary of what policies are required and what policies are more popular in Florida, making it easy for Florida residents to understand their auto insurance needs.
Allstate offers coverage to Floridians that is not required by state law but that are popular amongst auto insurance policy holders for their safety and financial wellbeing. According to Allstate, Floridians most often choose to insure for $100,000 to $300,000 when it comes to bodily injury liability, but the law does not require this. Allstate offers Bodily Injury Liability coverage, Uninsured Motorist Bodily Injury coverage, Medical Payments coverage, Collision coverage and comprehensive coverage.
Allstate’s “Your Choice Auto” policy provides basic auto insurance coverage, extra enhancements for your safety and finances as well as rewards for driving practices. They give you many incentives to be a safe driver. “Your Choice Auto” offers accident forgiveness, which keeps your rates stationary in the event of an accident. “Safe Driving Bonus” gives you a check of 5% of your premium every six months that are accident-free. Enjoy $100 off of your deductible each year that you are accident-free as well. With the “Your Choice Auto” policy, if your car is totaled within the first year of ownership or leasing, Allstate will compensate you with a new car–not the depreciated value.
Allstate rewards policyholders with numerous possible discounts off of their premium rate. The “Premier” is awarded when you are accident-free and violation-free for three years while the “Premier Plus” discount comes after five safe years. Safety features on your car can also give you a discounted rate, such as passive restraint systems, anti-lock brakes and anti-theft devices. Also look for discounts if you have a good student in the home, if you are retired, if you drive a new car or an economy car, if you drive a utility vehicle or a farm vehicle and if you have a student in the family that lives away at school.
Allstate is motivated to keep teen drivers safe as well as others that are in their path on the roads. Allstate clarifies the stages of Florida’s graduated driver licensing program so that parents are aware of their new driver’s limitations. Allstate also provides a downloadable “Teen Driver Agreement” for parents and teens to personalize according to their own family’s safety agreements.
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December 19th, 2008 at 12:42 am
Allstate driver forgiveness does not exist. I have been with Allstate for the past seven years and although they speak of discounts they do not exist. Allstate applies discounts such as accident forgiveness and claims the policy holder should not see a rate increase after a first accident. Allstate also claims there is a “Safe Driving Bonus” which gives you a check of 5% of your premium every six months that are accident-free. They also claim that the policy holder can enjoy $100 off of their deductible each year that you are accident-free as well. Well this is not true at all. I have not been in an accident for the seven years I have been with Allstate, recently I was in an accident and my premium went up 40%, I never recieved 100.00 off my deductible as a matter of fact I paid a five hundred dollar deductible to repair my car, and I have never received 5% off of my premium every six months for the past seven years that I have been accident free. Although they talk a good talk and it looks good on paper I have been paying extra for these services and when the time comes for them to honor their discounts they do not. I have been paying an extra $350.00 over the course of one year for the accident and they removed the premier plus discount of 121.00 from my policy and I payed my deductible without ever receiving 100.00 off of my deductible for the past seven years of being with Allstate. I believe they have some explaining to do. Oh yes and they were kind enough to send me a notice stating that they have applied accident forgiveness to my policy as if I wouldn’t notice that indeed the increase was applied. Thank you for choosing Allstate–It’s been a pleasure screwing you!