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Allstate Auto Insurance
Posted by DJDuke on 03/08/2011
I use 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 setup 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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Posted by Alain on 2011-03-09:
I've used an independent agent for over 20 years and that's worked well so far.
Posted by 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.
Posted by 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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Allstate Insurance Screws Over Innocent People
Posted by Tweeds on 10/26/2010
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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Owe me money!
Posted by Susanmiller on 10/25/2010
HOLLYWOOD, FLORIDA -- I called Allstate to cancel my policy.
I sent them proof of new insurance.
I called them upwards of ten times.
I re-faxed my proof of new insurance 7 more times.
They refuse to repay me the money they electronically debited after my insurance with them was cancelled.
They turned me into collections for the next payments even tho my policy was supposed to be cancelled.
I will never use Allstate again for anything.
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Posted by FlShopper on 2010-10-25:
Was the money debited from your credit card? If so, maybe you can dispute it with them and have them reverse that charge.
Posted by trmn8r on 2010-10-25:
"I re-faxed my proof of new insurance 7 more times."

Do you have an agent's office you could have visited to discuss this in person? Some dates to go with what happened when would help. This boggles my mind. The only companies that can debit my accounts are electric and land line phone. That wouldn't prevent a collections claim however. I think I would have sent a certified or registered letter at some point.
Posted by spiderman2 on 2010-10-25:

Contact the Florida Department of Insurance. That should get the attention of Allstate. Good luck in getting this resolved.
Posted by Joan C on 2010-11-01:
Hi. I work for Allstate and happened to see your comments. I would be more than happy to get you in touch with the right person to address your concern. Please let me know if I can help.

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GREAT Service, Never Leaving
Posted by Nothing Better on 05/10/2010
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 with in 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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Posted by Anonymous on 2010-05-10:
Very nice. I've never had a claim, but I use Allstate, as well. Sounds like great customer service.

Posted by 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 PK the DJ on 04/07/2010
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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Allstate Owes Me Refund !!!!!!!!!
Posted by Indiangoddess on 08/31/2006
HOLBROOK, ARIZONA -- I had transferred my auto title back in February of 2005. I called Allstate to inform them that I didn't have title to the vehicle anymore. I told them I was in the process of looking for another vehicle, and they told me that they really didn't want me to cancel my insurance because I was a very loyal customer for a long time. They told me that they could keep my isnurance in force but lower it to the lowest rate. (even without me having title to any kind of vehicle) They said they were just doing me a favor because if I terminated my auto insurance and got another vehicle, they would have to start all over again, whereas, if I paid the premiums every month, it wouldn't raise my premiums if I got another vehicle.
I told them okay, but they also told me if I didn't get another vehicle within 60 days that they woudld go ahead and cancel my policy.
Come to find out, they turned me over to a collection agency for not paying my premium for
May 2006. I called them and told them that they
should have never turned me over to collections
because they are the ones who owe me money. I
told them that their reps had told me that if I
didn't pay the premium on time that they would cancel it anyway. But I don't owe them a penny.
I had been paying them premiums since February 2005 through April 2006 on a vehicle I no longer
had a title to. I don't even have a vehicle to
this date. What a RIP-OFF!! They are the ones
who should be sent to collections!!!!!!!!!!!!!!
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Posted by Anonymous on 2006-08-31:
They lied to you. You should have canceled the insurance when you transfered the title. You always have the privilege to get quotes from other companies that have just as good programs than Allstate!
Posted by indiangoddess on 2006-08-31:
When I called them again, two reps told me that they would need proof of the transfer of title. I told them that the
person I transferred title to has Allstate Insurance also. I called this person and asked him if he could bring over the title so I could see when the transfer took place. He brought it to me and it said Feb. of 2005. I made a copy of it and am in the process of mailing it to them to show proof I didn't have the vehicle in May 2006.
I hope they can refund my money back. Or they might still
want me to pay for the last month when they said my auto
insurance was due.(before they terminated it)
Posted by Anonymous on 2006-08-31:
You know it seems to me that I heard a similar comment from my insurance with CSAA. Something about me being a long time member but only they said if I miss just one paytment - they would have to start all over again & "WOULD" raise my premiums. However I've never heard of a car insurance company offering thier services long after a vehicle is no longer in one's possession. hmmm...interesting.
Posted by indiangoddess on 2006-08-31:
I had contacted them three times. In November, December, and January. They told me if I didn't pay the premiums when due and if I didn't notify them within 60 days of purchasing a new vehicle, that my insurance would automatically cancel. That's why I just let it cancel out and now they sent it to collections. I also called the MVD
here in Arizona and they told me that was not legal for an
insurance company to have anyone pay premiums for a vehicle that they do not have possession of. They told me
that it seems to them that all they want is my money. When I called and talked to one of the supervisors of the insurance company, he told me they couldn't do anything about it. I told him that one of the reps told me over the phone yersterday, that they were just doing me a favor
so if I ever got another vehicle, they wouldn't have to do
a credit check and start me all over again. I am still a customer with them with my homeowners insurance. I have been with Allstate for over 20 years. I never thought they
would do this to me.
Posted by beanbagbritches on 2006-08-31:
Let this be a lesson learned, cancel when you get a chance!
Posted by spiderman2 on 2006-09-01:
You need to contact your State's Department of Insurance. This sounds very, very wrong. Also, doesn't your insurance rate change depending on what type of vehicle you drive. I know when I traded in an 3 year old SUV for a brand new minivan, my rate dropped by a third.
Posted by indiangoddess on 2006-09-01:
The year of the vehicle I had insured was 1985. They had told me that they could drop me to the lowest rate, which was glass coverage only, around $18.00 a month. (to keep my insurance from cancelling out) But the next thing I know they increased the premium to around $39.00 a month.
They said they sent me three letters stating that I needed
to make payment, but I never received anything about making a payment. I just let it cancel on its own. Then they sent the payment to collections, which I was never informed. THey didn't even call or write saying that if I
didn't pay they were sending it to collections. I called the collection agency and told them what happened, and they told me to send them proof of the transfer of title and that they would make note of this on their records. I just hope this mess can be straigtened out.
Posted by DebtorBasher on 2006-09-01:
It doesn't make any sense to pay for insurance when you have nothing to be insured...that is a lazy rep who didn't want to be bothered with paperwork. If I were you, I would not deal with a company like that...I've had State Farm insurance, I have it for my car and home and have never encountered any problems...When I have my car towed for repair, I get my re-embersment for my tow within the same week that I mailed it out...
Posted by glc on 2006-09-01:
Indiangoddess: An insurance carrier CANNOT insure a vehicle that you have NO insurable interest in. If the title was not in your name, the policy should have been cancelled. Every state has a state insurance department. File a complaint with them.
Posted by DebtorBasher on 2006-09-01:
Congrates on your first star, GLC! Good job!
Posted by glc on 2006-09-02:
Thanks, DB :>)
Posted by 98Bird on 2006-10-19:
that Agent actually was doing you a favor...maybe at the risk of him losing his job. if you had a preferred policy (with any company), the rate is about HALF of the high risk policies. in most states, to qualify for the better policy, it requires 2 years of continuous insurance and no incidents in 3 yrs and not more than 1 in 5 yrs. if you cancelled your policy and buy a car the next day, you will START over as a high risk customer due to ONE DAY lapse in coverage. now you're paying twice the rate for the next 2 years and hope that you don't get a ticket or accident in order to qualify for the preferred policy. that Agent who kept your policy in-force by suspending coverage...which probably cost you $5-8 /month...allowed you to receive keep that policy once you get another car. but you still had to pay this small amount to keep it in force.
Posted by indiangoddess on 2006-10-20:
I had been with Allstate for about 20 years. I never had a citation or accident in the 20 years I was with Allstate.
But due to some unforseen incidents, I decided not to get
another vehicle, that's why I let the policy cancel out. I
know they were doing me a favor, but I can't understand why they sent me to collections, when I was paying them all
this time for premiums (when I didn't even have a vehicle to be insured). Like I said, I was paying premiums each and every month since Feb. 2005 until April 2006. I don't think I owe them anything. They say I owe them for May, which was when they cancelled the policy. I still think they shouldn't have sent me to collections.
Posted by indiangoddess on 2006-10-20:
I was paying about 78.00 a month, which was full coverage.
(for about 6 months) I called them and they told me they
could lower it to 18.00 a month. Next thing I know they
raised the premiums to around 36.00 per month, which was for liability coverage only. That's why I just let the policy cancel out. They told me anyway that they would cancel it out if I didn't get another vechicle within 60
days. I even called them back in 2005 to let them know I
was thinking about cancelling, but the reps on the 1-800
line kept telling me I should keep it in force to avoid
higher rates if I had to cancel and start over again. To
this day, I don't own a vehicle.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Posted by Himayath_khanuk on 09/24/2012
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 I 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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Posted by 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 Miboy1974 on 03/13/2012
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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Posted by 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.
Posted by 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?
Posted by 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 Jb73 on 03/03/2011
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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Posted by unhappy999 on 2011-03-03:
If it sounds too good to be true it probably is.
Posted by 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.
Posted by 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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No Good Reason To Deny Me Adding A New Vehicle To My Policy
Posted by Luvzforplay on 01/29/2011
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 then 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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Posted by 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.
Posted by 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.
Posted by trp2hevn on 2011-01-29:
I would advise you to remove your personal info.
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