Allstate Insurance Complaint - My Super 6 Month Premium...
DFW, TEXAS -- When me and my bro both needed auto insurance I contacted Allstate (first in the phone book). I didn't bother shopping around. I know better now. I paid over $3500.00 for a 6 mo. premium for two cars with two drivers. I had no clue what it "should" be, so I didn't realize how unreasonable the cost. I made the full payment in advance at that time. A month later I received a bill for around $600 which I assumed was just an itemized statement.
I later opened a letter stating their intention to cancel my coverage and another bill for $1000. I contacted Allstate & they explained that the $3500+ was just a deposit that was non-refundable and $600 would be the amount of the monthly payments. The whole time speaking to me as if I'm a complete moron because they were unable to communicate their backwards politics and unaccountable services. Since I hadn't made the first month's payment they canceled the insurance at the beginning of the second month, but I still had a balance due of $1000.
They kept insisting to know what insurance provider I pursued after they canceled me. They did not explain the remaining balance and would not refund my deposit.
I don't understand their practices. I tried to pursue them legally and found that Texas already had a major lawsuit trying to get them out of the state all together! My name was added to a list and I got some paperwork to file my complaint along in the lawsuit and to the Better Business Bureau, but I've not heard anymore about it. They exhausted me to the point where I no longer needed jive excuses and as far as I know the lawsuit is still active. It won't likely settle any time soon.
Also, they keep making inquiries with the credit bureau. There's no way to stop them. If I had it to do over again I'd have taken advantage of the first month's full coverage and made sure I got my money's worth in damages.
Thanks for letting me share this and I hope it helps someone out there save any money and prevent some grief.