Unless you reside in Virginia or New Hampshire, it is required that you have auto insurance in the United States. If you get caught behind the wheel without coverage, it depends on where you’re at, but bad consequences can follow. For instance, you might receive a ticket from a cop for no insurance. Then again, your car could even get towed.

Of course, obtaining auto insurance will do more than keep you out of trouble. Your policy can also prevent out-of-pocket expenses from entering the picture when accidents occur. However, if you pick the wrong insurer, issues are sure to arise, and nobody wants that. It could be overly challenging to file a claim. Or, maybe the company’s customer service is terrible in general.

Regardless of why the experience will be less than stellar, you don’t want that. So, take the time to research companies and learn what they’re all about. Then, you’ll be able to determine the best auto insurance provider. Looking over Allstate insurance reviews can make the project a cinch, and they’ll provide you with first-hand knowledge of what customers liked or didn’t like about Allstate. The following are some of the things you’ll discover along the way. 

Your Choice Auto

Allstate has the usual coverages available that drivers have come to expect from insurers. Therefore, you’ll have options such as:

  • Gap insurance
  • Liability 
  • Uninsured motorist
  • Physical damage
  • Rental reimbursement
  • Rideshare
  • Roadside assistance

That’s not all, though. The company also has optional programs such as Your Choice Auto. This particular program rewards drivers for being safe drivers. Policyholders can earn safe driving bonus checks of up to 5-percent of their previous six-month premium cost every six months. The Your Choice Auto plan also comes with accident forgiveness. Thus, your insurance costs won’t skyrocket following a crash if you qualify.

In addition, you’ll appreciate the deductible rewards of Your Choice Auto. After registering with Allstate, the company will reduce your premium by $100. Not only that, but it will also take $100 off each year that you do not have any accidents. In total, you can earn up to $500 off your deductible, thanks to deductible rewards. 

The Drivewise Program

Drivewise is a mileage-based discount program from Allstate. Policyholders who sign up for this option receive a device that plugs in under the dash. Then, it records driving data, sending it back to the company. Upon first signing up for this solution, a motorist can receive a 3 percent discount. Meanwhile, after 50 trips, drivers are eligible to get up to 15 percent cash back for driving safely and not having any accidents.

Don’t worry. It isn’t hard to practice safe driving practices. In fact, you probably already do some of the necessary things required to save. Safe driving habits that Allstate will reward you for include avoiding late-night driving, not braking hard, and keeping your car under 80 miles per hour. 

Large and Financially Stable

There’s not necessarily anything wrong with buying from mom-and-pop operations. However, as far as insurance is concerned, consumers want a company that will come through in the end. Allstate is a large and financially stable business that has been around for years and shouldn’t be going anywhere. Plus, it has an A+ rating from A.M. Best, the credit agency that monitors the financial health of insurance companies. So, what are you waiting for? Contact your local Allstate agent to obtain an auto insurance policy today. Then, you’ll have peace of mind, knowing you are insured by one of the top insurers in the industry.

Multiple Ways to Contact Customer Service

The last thing anybody wants is to get put on hold and left by a customer service department for what feels like hours on end. Or, what if you send an email to a company but never hear back from them? These are some of the issues you could face by choosing the wrong car insurer. So save yourself some grief and choose Allstate from the get-go. Afterward, you shouldn’t have any trouble getting in touch with a representative, thanks to its 24/7 phone service.

Additionally, people can contact agents via a smartphone application or mobile site if they wish. With so many ways to call and message the Allstate customer service team, it should be a cinch to resolve issues and get answers to questions. 

Does It Depend on Where You Live?

Where you reside should not determine what type of customer service experience you receive. However, according to the J.D. Power 2021 U.S. Auto Insurance Study, Allstate customer service ranked high in some parts of the country but poorly in others. Therefore, if you want the best in this regard, pick Allstate auto insurance in Florida, Idaho, Montana, Oregon, Washington, or Wyoming. But California residents may want to steer clear of the insurer because Allstate’s customer service department is known to perform poorly in the Sunshine State. 

Final Thoughts

The answers you’ll get from asking people who the best insurer is will probably vary. However, Allstate is a name that is sure to repeatedly come up in the conversation. That is because it is one of the top insurance companies in the U.S. and one that you could benefit from doing business with.