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Allstate Review

Written by Todd Clay. Posted in Our Reviews Last Updated: 05/19/2009

Does Allstate have ‘Good Hands’, boxing gloves, or is it just another car insurance company?

Allstate Logo

Allstate Logo

For Allstate car insurance, it was hard to get a more authoritative spokesperson than a former President. When that President isn’t mired in politics – like a real President – even better.

So when Allstate hired Dennis Haysbert, the actor who played President Palmer in Fox’s television series, 24, they scored big. With a deep, soothing voice, Haysbert plays the part well. But Haysbert isn’t the only person offering advice about Allstate.

If you’re looking for something bad about a company, it doesn’t take long to find it. The bigger the company, the bigger the target. So when the 2nd largest insurance company in the country has problems, it’s pretty easy to find something bad about it. In fact, one guy has been upset with Allstate since 1999: Allstate Insurance Sucks.

So this begs an important question: Do Allstate’s ‘good hands’ commercials match policyholder experience?

About the Company: Allstate

Allstate Corporation (ALL) is the largest publically traded insurance company in the United States. It is an umbrella company with several insurance and financial services companies. They sell 13 major lines including auto, home, boat, life, and business insurance. In recent years, they branched into investment and banking products – but this is not a major portion of their business.

Allstate sells car insurance through a network of Allstate agents. According to their website, they have approximately 14,900 agents who sell exclusively with Allstate. They also sell other brands (Encompass & Deerbrook) through thousands of independent agents. They employ over 70,000 people – Allstate is a big company.

Allstate is a financially strong company. They have an ‘A+’ or ‘Superior’ rating with AM Best, the 2nd highest rating they offer. Other rating companies put Allstate in a similar category. To those who look at these things, Allstate will be in business for quite awhile.

Getting an Allstate Quote

As usual, I jumped online to get an Allstate car insurance quote. The graphics were pleasant, but they could have used more user-testing on the site. For one, there were too many screens. At some places, I answered 2-3 questions then clicked next. Maybe it’s a personal problem, but I don’t like having to click more than necessary.

When I finally got to the end, they gave me different packages: Value, Standard, Gold, Platinum. Being a former insurance agent, I’m not impressed with labels. To me, it seems like they’re hiding something when they don’t want to ask me for my exact coverages – on the other hand, they’re trying to make it easier for consumers. I can’t fault them for that.

Allstate Positive: Longevity

Allstate has been selling car insurance since 1931. Any company that has been around that long deserves some admiration. Begun at the height of the Great Depression by an equally-respected company, Sears, Roebuck, and Company, Allstate has stood the test of time. They are here, and will probably be here for many years to come. That’s a great thing for an insurance company.

Allstate Negative: Price & Reputation

After getting a quote online, I usually give the company a phone call. But after looking at their price – which was already higher than my current rates – I decided not to call. My current rates are high as it is. Why should I start another car insurance policy that’s even higher?

In addition, I’m not satisfied with Allstate’s reputation. Various ‘Allsnake’ and boxing gloves experiences have contributed to the reputation. To be fair, Allstate has made strides at improving their complaints. For instance, in Texas, they only had 186 justified auto complaints in 2007. This may seem like a lot, but the ratio of complaints to policies was just above average. We’ll see if they continue to improve.

Will I Switch to Allstate?

This is a personal review and every person’s experience is different. If you get a car insurance quote with Allstate, you may get a better rate than what you’re currently paying. But considering the rate they gave me – which is the major reason for me to switch – I won’t be buying Allstate auto insurance.

Get a better price and work on your public relations and you may get my business, Allstate. Until then, I’ll see you in 12 months.

Quote Process: 4
(Scale 1-10: 10=the best)

Price: 2
(Scale 1-10: 10=Cheapest)

Customer Service: *
(Scale 1-10: 10=the best)

Claims: *
(Scale 1-10: 10=the best)

Overall Rating: 3
(Scale 1-10: 10=the best)

Get an Allstate Car Insurance Quote Here!

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Todd Clay

Todd Clay is a former insurance agent with the largest insurance company in the United States. He earned his Bachelor’s from the University of Texas. He’s worked in several fields but has specialized in insurance, financial-related information, and technology. He blogs at Car Insurance Guidebook.

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Reviews (1)

  • Sally Halfafinger

    |

    Overall Rating Not Rated
    Price Not Rated
    Service Not Rated
    Claims Not Rated

    I personally think all state suck you know what the insurance sales man tried to rip me off I have had insurance with them for 6 years and never got into an accident never got a check in the mail too whats up with that. And turned around and hiked my insurance rate up I ask why and his reply was all of Nevada’s rates is going up a piece of crock. I said well I don’t need you guys and got some other insurance more cheaper, and now my rate is reasonable. But whats up with the commercial saying if you do not get into an accident that you get a check in the mail. I’m checking it out.

    Reply

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