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Allstate Insurance Auto Insurance

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Allstate Auto Insurance
Posted by on
I used to be with Erie Insurance for many years and was very happy until the premium jumped significantly when I added a new teenage driver. In an effort to save money I shopped around. Allstate gave a quote that was going to save me about a thousand dollars a year. The experience from there can be described briefly as "bait and switch". The policy I'm paying for now is not saving me ANY money. I didn't go to a local agent I just used the 800 number. That was a HUGE mistake. There was no consistency at all with a constant mix of foreign call centers resulting in increased communication problems.

The experience had a consistent theme: the last person I talked to would always omit one piece of SIGNIFICANT information about what documentation they wanted me to send and then the premium would increase. I'd call, complain, the next person would apologize, promise to fix the problem if I would send that ONE MORE piece of information, I'd send it, and the increased premium was sucked out of my account like clock work no matter that I had complied. I then asked for a local agent and went into the office. They are asking for all of the same information again and not as promising that my premium will actually improve. I bought the policy 4 months ago so they have had time to fix this.

I have never felt so abused by a large corporation. I have had my trust and faith that large corporations in general can be trusted to deliver what they say after the consumer has paid them. It feels like every thing was set up to assure that profit would be maximized at my expense. If I had just been told upfront what I needed to do to purchase the product at the stated price the experience would have been different. Buyer beware!
     
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Alain on 2011-03-09:
I've used an independent agent for over 20 years and that's worked well so far.
Skye on 2011-03-09:
I've been with Allstate quite a number of years. I love having a personal agent. I never have to call any 800 numbers. I've also never ever had any issues with Allstate.
duped on 2011-06-12:
you people that think allstate is soooo wonderful, have OBVIOUSLY not filed a claim. Let something go wrong and I guarantee that those "friendly" personal agents will be nowhere to be found!
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No Good Reason To Deny Me Adding A New Vehicle To My Policy
Posted by on
ORMOND BEACH, FLORIDA -- I have been insured with Allstate auto and home insurance for several years with never a problem, however this year I was hit from behind in late December while sitting stopped in traffic, and a week later my new car was damaged in a Post Office Parking lot because I was forced into running over some grass and in doing so I hit a cocaina rock with my spoiler on my Camaro, the accident was checked out by an investigator and I was not charged with an accident. I also bought a new motorcycle and tried to add it to my policy as I have my old motorcycle on it until I sold it. However I was told I could not add my motorcycle to my policy because I was involved in an accident. No I could understand it if I was at fault in anything, but that was not the case I was judged , "by Allstate as being not at fault" so why is it that I cannot add my new Motorcycle to my policy.

I do not feel this is a fair judgment, because as I do carry the Platinum Plus policy I do have automatic "stacking" and a discount for multi vehicles. I have a million miles award for safe driving from Costal Tank Lines, my employer before I retired. and have never had a chargeable accident on my record...Is there anything your office can do about this or are insurance companies permitted to make these un justified decisions with no recourse to the consumer.

It if funny thing that as long as you are paying them, insurances companies are more than happy to take your money, yet get involved in an accident where the other driver admits being at fault and the company all of a sudden starts messing with you .

Hoping you can help,

Gerald Mann

phone 386-441-9358
     
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leet60 on 2011-01-29:
Many insurance companies do not care whether you are at fault in an accident - once it is reported as an "accident" it places you into a higher risk category in their system.
BofAmerica666 on 2011-01-29:
Good review. Don't worry OP, we all make spelling errors from time to time. You might want to consider "Geico". One of my favorites.
trp2hevn on 2011-01-29:
I would advise you to remove your personal info.
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Insurance fraud
Posted by on
My claim was filed on 10-17-09 and I am now going to a 3rd party to appraise my truck They won't do agree on anything to get my truck fixed.

When I Filed my claim on 10-17 I went to have my truck appraised and they told me they could not properly estimate the damage to the truck because it was to old and to take it to a paint shop and have it estimated. I have a 63 ford F100 unibody that has been restored with a new paint job only on the truck six months when it was vandalized and keyed the entire way around the truck. I then took the truck for the damage to be estimated and the business estimated the damage and repairs at $7600. My agent then told me this was not reasonable and I would have to take it to the original person that painted it. According to Tx state law an insurance company cannot tell a customer where to take their vehicle to get it fixed. She then called my body shop and told them their services were not needed and that I was going to take it back to the guy that painted it the first time, without even talking to me. After fighting them on this and telling them I would take my truck to this body shop and not the one they were trying to force me into they set me up with another agent to do another appraisal. Allstates appraiser did not look at the truck for more that a couple of minutes and did not take into account anything that had been done to the truck. I had a new paint job new apolstry new stereo system and many other new parts. I have since had two other appraisers look at the truck and they estimated it at around $15000.

Her estimate had my truck at around $5000 there is no reason for there to be this much difference. She then went on to tell me my truck was going to be totaled out and that I was to drop it off at an auction warehouse. This truck means a lot to me and I want it fixed. I have comprehensive full coverage just in case something like this happens. I chose to fight them on this and take it to a third party according to Allstates terms and conditions. I have my appraisers and Allstate hired their own and both sides have to choose a third party mediator. My side requested a county judge and Allstates refused they would not allow a judge as the third party. They gave my side a list of 3rd party people to choose from. I don't understand why both sides could not agree on a county judge except for the fact that they want to use someone that they know will side with them. Judges have to and are sworn to uphold the law.

I have called Allstate again issuing complaints because of this and that have told me they cannot contact their appraiser and I cannot do anything about it because when they start a third party both sides are left out. They are not doing anything to resolve this and have now told me I cannot either. I just want my truck fixed and repaired properly
     
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Anonymous on 2010-02-01:
7600 dollars to fix your truck? And it was just vandalized? What exactly happened to your truck for the repair bill to be almost 8 grand? I'm not surprised Allstate is fighting you. That does seem a bit high. Even if your truck is worth 15,000, your estimate to get fixed is almost half of what your vehicle is worth? Something seems fishy about this.
MDSasquatch on 2010-02-01:
Here is the question I think we'd all like answered: Is your truck insured as if it were a 1963 Ford or did you take it to your agent and have its value documented so you would be covered at its "actual value"? Having a car worth $500 with $15,000 worth of upgrades is at your own risk if you are paying insurance rates as if it it was basically worthless.

Starlord on 2010-02-01:
I have a shock for you. An insurance company will only pay for the original equipment in the truck. Stereos, upholstery, fancy wheels and custom paintjobs are not included in the Kelly Blue Book. Your insurance covers the basic 1963 Ford pickup unless you have paid for all the expensive riders for the cusomization. That is just the way the cookie crumbles.
jktshff1 on 2010-02-01:
What Starlord said.
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Horrible, Negligent Customer Service
Posted by on
OMAHA, NEBRASKA -- Where do I begin? Well in 2004 after being with GEICO for more than several years, at the suggestion of my dad, (he himself being an Allstate customer since 1979), I contacted a local Allstate agent, met with him, discussed the terms and conditions and benefits of being one of their auto insured, and I made the switch. MY agent and his staff could not have been nicer and were always friendly and helpful with any and all of my policy needs.

Fast forward to this year, to my shock and dismay, after no tickets, or no claims of any kind, instead of my bi-yearly renewal being discounted, they hit me with an additional 60.00/MO charge for my monthly premium. When asked why, my agent told me it is not for anything that I have done, but due to the number of claims in my area of town, they raised rates across the board for all of their insured. Naturally this didn't sit well with me, as I could not fathom paying 220.00/MO for car insurance in addition to a 500.00/MO car payment. AND I AM 34 YEARS OLD!

Needless to say I dropped the policy and switched to Progressive this past September. I received a final bill in the mail from Allstate in the amount of 354.20. It wasn't until this past week that my finances were properly aligned to pay this bill off. So I went into another Allstate office that is much closer to my home, and owned by one of my fellow CHURCH members, to pay this bill off so that I could get a receipt. Bear in mind that I have paid my bill at this office numerous times with no issue. UNTIL THIS PAST WEEK!

Tuesday 12/2/08 I went into the Allstate office, (once again near my home, owned by my fellow CHURCH MEMBER), and one of his staff, who is also a member of my church, took my payment. Here is the clincher, after she asked me for method of payment, I told her I was going to use my credit card. Instead of confirming which credit card, she assumed I was going to use my DEBIT card that was on file which I did not want to do. So, she tried to cancel that transaction and sent through another payment on the credit card I actually wanted to use.

Wednesday 12/3/08, I called that office and left a voice mail for the owner to call me back, to which he didn't do until damn near 6pm, he apologized, okay fine. But now the NSF fees were starting to hit my checking account, in addition the 354.20 payment was paid to Allstate out of my checking account, and the Credit Card account that I wanted to pay within the beginning. Also on that same day I gave the fax number to my bank so that the church member agent could fax a request to release/cancel the hold on my checking account.

Thursday 12/4/08 the payment could not be stopped because the funds were already released.

After I left work I went to his agency and talked to him directly. I even showed him the printouts from my checking account showing my account in the red. He called and explained the situation to whoever and they told him the soonest he could put in for a refund would be NEXT MONDAY! He told me that he would make some more calls and he apologized again, but offered no real solutions.

As of today, Friday 12/5/08 there are now 127.00 in NSF charges tacked on to my account, and my checking account is 481.00 NEGATIVE! He has not called me as he said he would, when I went to his office at 3:45pm it was closed, although their hours are from 9am - 6pm! I called his cell phone, I texted, and as of right now as I am writing this he has not responded in any fashion! I called and got a customer service representative in IL, and she informed me that they sent a credit through for the 354.20, to you guessed it, THE CREDIT CARD I WANTED TO PAY FROM!!! When asked how and when I can get my checking account cleared up she told me that I would have to make the payment first, then they would refund my checking account!! REALLY?!?!?! ARE YOU "F"ing KIDDING ME?!?! I told her, not only has the credit not hit that credit card yet, but why should I make a RE-PAYMENT to them when I am in the quagmire of not having any money on either my checking account nor my credit card? How am I supposed to get gas? Pay bills? I can't write checks, and there has been no discussion of who is going to reimburse for those NSF fees! But you want me to send through another payment to ASSURE you if you will that you will get the money, before you refund me the money you shouldn't have taken in the first place?!?! REALLY?!?!

So in conclusion, DO NOT DO BUSINESS WITH ALLSTATE!!! They are obviously insane, and they obviously have no sense of responsibility when it comes to their screw ups!!! I wish I could use the name and address of the CHURCH member here in Omaha that screwed me, but I will abide by the rules and not do so. But I am sure the BBB will be interested in this. And that is where I am going if this is not fixed post-haste.

Wish me luck!

     
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macdave on 2008-12-05:
I am confused as to how they managed to use your debit card on file. Every time you use a debit card at a point of sale, you are required to enter a pin number.
Mrs. V on 2008-12-05:
Not if it has a Visa or Master Card logo.
sdh74 on 2008-12-06:
***UPDATE*** I checked my Visa card website just after midnight, and as expected, Allstate refunded the charge. Now it's a matter of getting my 481.00 back to restore my checking account. I am obviously still pissed about the whole matter, but at least I can pay a couple of bills and get some gas.
sdh74 on 2008-12-06:
"Mrs. V" is correct, the card they had on file was a Mastercard Debit card issued by my bank.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Ripoff
Posted by on
Rating: 1/51
WHEELING, ILLINOIS -- Hi,
My name is Liaquat Khan and I am a new All State Customer. I bought my new auto insurance policy on the 15th of may 2012 which is valid till 15th of Nov 2012. I am having issues with them from the day one I spoke to person called Cozette at All state at 10.45pm on the 05/15/2012 she offered me a policy for $463.78 and I authorized her for one time payment for that amount I, e $463.78.Than the problem starts very next day $571.44 were deducted from my account I called All state to talk to them about the issue I had to make couple of calls but nothing worked so I had to complain and called the manager. He went through the conversation between me and Cozette the very first conversation and he apologize to me for they mistake and refund the overcharged money $107.66 on the 05/29/2012 the money not only over charged but also wrong information was involved. I was little satisfied by thinking of the fact that human makes mistakes but it was something else they deleted all the voice conversation we have had and want me to pay them back those $107.66 back spoke to the supervisor in charge of their inquiry department Melandy all she has to say is I have to pay the remaining balance for them to keep my policy Validated. I am really upset its not only cheating but hurting somebody emotionally and also a criminal offense to withdraw money from someones account without authorization. I am not willing to pay and this is just the starting I am willing to take this further.

     
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CowboyFan on 2012-09-24:
One suggestion would be if a person is making a large, important purchase like automobile insurance, it is best to go speak in person with an agent so that documents can be signed and questions answered in person. This would elimate much of the problems arising from telephone conversations.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Why pay premiums if they make you pay anyway!
Posted by on
Rating: 1/51
HINESVILLE, GEORGIA -- I have had my insurance with Allstate for 12 years, without an accident, multiple cars, homeowners and renters insurance. My daughter gets into an accident and the car gets totaled. Might I add, I was not given a choice, they said there was no way to fix it. They allowed me to choose the collision center and said it would not matter. NOW, they are saying since I chose the collision center and they do not accept the charges, they are taking it out of my settlement for the car!

I was told they would cover these charges and now they do not want to pay. I am not sure what I have been paying premiums for if I have to pay for everything! They cheated me, and if this review changes your mind about Allstate. I want to call/email them and tell them that you changed your mind about them because of Claim # 0218736346

I want them to know they just did not lose one customer for what they have done.
     
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ok4now on 2012-03-14:
Welcome to "Allsnakes," the company that wants your premium payments then wants to deny a claim. These peopled are scum. You faithfully pay them for 12 years (all profit) then when you file a claim it's screw you. Their customer service agents are trained to find every excuse not to pay a claim. You have to fight with them for everything that you paid for. Their advertising costs to sucker new people in are in the millions, and you helped pay for it. Now when you need their help they don't know you. Hello?? Time to drop these thieves and go where your business is appreciated.
traceylynn on 2012-03-14:
With a totaled car yo get two choices......they will give you up to the value of the car to go towards the repairs ( and you have to pay the rest) or total it out and give you the Blue book value in check form. Did you have the repair center work on it?
Jonathan - from ALLSTATE on 2012-03-14:
I am an Allstate employee and customer and I am sorry for the amount of frustration and grief over this claim. I have entered a complaint on your behalf into our system and the appropriate resources should contact you very soon to review the complaints you have outlined. -- Jonathan
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Allstate you are not in good hands
Posted by on
TEMPE, ARIZONA -- On 2/14/11, I was purchasing a new vehicle. I called several companies for quotes. Allstate quoted me approximately $80 per month and a lower policy for my homeowners, so I switched from State Farm that day. Today 17 days later, I am told they made a mistake in entering my information, and my car insurance would be $235 per month. I spoke to the agent's supervisor, their supervisor's supervisor, the regional director and nobody cared of course and nothing was done to fix the situation, so needless to say I went back to State Farm, who has never given me a problem. I also, have good credit, a clean driving record, and no previous claims.
     
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unhappy999 on 2011-03-03:
If it sounds too good to be true it probably is.
trmn8r on 2011-03-03:
You see stories like this fairly often. I'd suggest getting such quotes in writing, if all you are doing is switching to save money.

I've been with State Farm for many years and I am quite happy. Good luck.
tnchuck100 on 2011-03-04:
"I also, have good credit, a clean driving record, and no previous claims."

Based on that statement it would appear that for $235/month they must be insuring an 18 year old driving a Corvette and lives in a high auto theft area.

I am 64 years old and only pay $67/month to cover my Suburban, Harley Davidson and travel trailer.
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Allstate Insurance Screws Over Innocent People
Posted by on
CINCINNATI, OHIO -- My car was hit by a person that has Allstate Auto Insurance. I was not even in the car. I did as was told and took my car to the Allstate Adjuster. I was told I would get a rental car to use while my car was being repaired. I dropped my car off at the body shop to start the repair. I was taken to Enterprise Car rental. They would not rent a car to me because I only carry liability on my vehicle..it's a 1994 Nissan Sentra. Allstate would not cover the additional insurance required by Enterprise to rent the vehicle. I borrowed my mother's car. The car has been in the shop for 5 days & Allstate has first approved the work to be done. It was held up because they quoted a ridiculously low price of $50.00 for a used fender that needed repair and didn't want to pay to have the used part delivered. I was warned in advance how terrible Allstate is to deal with on a claim. I called to be compensated for alternate transportation. They will only pay $10 per day and only based on their estimate. Their estimate was only for 4 days and because they would not approve to get the work started the time to repair has taken longer. It is expected to take another 3 days to repair. Allstate refuses to compensate based on the actual time needed to repair the vehicle and will only pay based on their estimate. I am the victim here. I was not even in my vehicle when it was hit and I am the one suffering all of the inconveniences. Beware if you have to deal with Allstate Auto Insurance, they are EVIL!
     
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GREAT Service, Never Leaving
Posted by on
ORLANDO, FLORIDA -- I had to file my first claim at the beginning of this month and I was terrified given some of the horror stories I had heard. A car that I owned was totaled, in another state, by a friend. The insurance company told me that they would send out an adjuster 3 days later. They gave me a 3 day window. On the very first day, the adjuster called me to tell me that they considered a total loss and that it would have to be handed off to another dept. I was sure it was going to take forever. I received another phone call within the hour. To make a long story short, I received my final call by the end of that day informing me that my check for the payoff was in the mail. They didn't lowball me on the value of the car and even refunded tag and title fees for a new car. All of this was handled and done within less than 4 days total! I will NOT leave this company.

To add to all of that, their accident forgiveness ensured that my insurane won't go up either! Can't beat that!
     
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Anonymous on 2010-05-10:
Very nice. I've never had a claim, but I use Allstate, as well. Sounds like great customer service.

Skye on 2010-05-10:
Nice review. Have had Allstate for many years, filed one claim, car stolen, and it was handled very smoothly, and they were very sympathetic to my extremely stressful situation.

We have our homeowners and 3 vehicles insured with them, and the rate we pay is very decent.
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Allstae rate increases
Posted by on
Been with Allstate since Nov 2006 - have home & Auto with them.
Our ages are 55 & 60 ( wife & Husband)no tickets, accidents or claims
on home or car and excellent credit. In one year they raised homeowners by 19% and auto by 12.85% for a total increase of 31.85% for our insurance needs. Called our agent and was told it is what it is, the rates have increased across the board. We live in the Bowling Green area of Kentucky. Needless to say, Allstate can kiss my grits - I am getting quotes today to dump Allstate.
     
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