Auto Insurance

Allstate Auto Insurance

One of the nation’s top providers of automobile insurance, Allstate offers several policy types and options to ensure customers get the level of coverage they need. Allstate’s liability coverage satisfies state mandates for insurance minimums and protects drivers and passengers as well as other people’s property.

If at fault for injuries to others or property damage due to an accident, bodily injury and property damage liability coverage protects drivers from financial liability. Collision coverage helps pay for repairs or replacing a car involved in a covered accident, and comprehensive coverage helps pay for covered losses incurred by theft, natural disasters, vandalism and other perils.

Underinsured/uninsured motorist coverage helps pay the bills if involved in an accident with a driver who does not have insurance or lacks enough coverage to pay for damages and injuries, and medical payments coverage helps pay bills for drivers and passengers injured in covered accidents. Personal injury protection reimburses a portion of lost income, medical bills and other expenses if injured in a covered accident.

Policies can be amended to include optional coverage for towing and labor costs, rental car reimbursement, sound systems and compact disc players.

Allstate also offers a “Platinum Package” policy providing accident-forgiveness, repaying up to 5 percent of premiums for every six months without an accident and deducting $100 off collision deductibles for every year without an accident up to $500 total. A new car replacement option replacing vehicles no more than three years old with new vehicles also is available with the platinum package.

Allstate’s “Gold Package” offers accident-forgiveness, collision deductibles decreasing $100 for every year without an accident up to $500 total and optional new car replacement.

Motorcyclists can purchase insurance coverage through Allstate as well. The company offers collision coverage as well as comprehensive to protect against floods, wind, vandalism, theft and other perils. Additional protection against uninsured/underinsured motorists, property damage and bodily injury liability also is available.

When motorcyclists insured through Allstate remain accident-free and insured with the company for at least four years, motorcycle insurance rates will not rise on the first accident so long as the operator is not charged with a major traffic violation related to the incident. Allstate also offers optional coverage for aftermarket equipment with limits up to $30,000.

Towing and labor coverage reimburses motorcyclists for costs and comes standard with Harley-Davidson, touring and sport-touring motorcycles. Towing and labor coverage can be added as an option for other motorcycles. If a covered motorcycle is stolen or in for repairs, a rental reimbursement option helps pay for a rental vehicle, and optional lease/loan gap coverage pays the difference on the value on a leased or financed motorcycle if totaled or stolen and its value is less than what is owed.

Allstate also offers coverage for off-road vehicles and snowmobiles to help protect against injuries and damage to vehicles and property.