Yes, Allstate covers formerly salvage-titled vehicles. If the car was rebuilt and inspected after being salvaged, Allstate offers liability-only insurance. You cannot get coverage from any reputable insurer for a car currently holding a salvage title, however, as such vehicles are illegal to drive.
A car is given a salvage title when an insurance company declares it a total loss, meaning that it is unable to be repaired or the cost of repairs exceeds the vehicle’s value. If the car is later repaired and deemed safe by an inspection, the salvage title will be replaced with a rebuilt title. After that, you can insure the car with Allstate.
To get a quote from Allstate for insurance on a previously salvaged car, call 1-877-810-2920.
Allstate Drivewise is a usage-based insurance program that tracks drivers with a mobile app and rewards them with rewards and a semi-annual rebate for safe driving habits. The Allstate Drivewise app tracks three main driving characteristics: safe speed (under 80 mph), braking (minimal abrupt stops) and time of day (limited late-night trips).… read full answer
Allstate Drivewise - Key Features
Factors for Calculating Pricing
Time of Day
Drivers get rebates every six months based on driving behavior.
Drivewise tracks unsafe behavior, such as hard braking and high-speed driving.
You can use a smartphone app.
You can use an OBD connected device.
All states except CA
How Allstate Drivewise Works
Allstate Drivewise works by tracking drivers’ habits through the Allstate mobile app. Users do not have to take any action to log trips on the app. Your phone just needs to be charged to at least 25% and have location services enabled in order for your trip to be detected. Once you’ve traveled at least 20 mph for a short distance, the app will begin tracking you.
However, if you’re a passenger in a moving vehicle and not the driver, you will have to either delete the trip from the app or put the app into “sleep” mode for the duration of your trip.
Drivewise does not affect premiums directly, instead offering cash rebates to drivers based on their performance. So if you practice unsafe driving habits while using Drivewise, your rates won’t go up. But drivers who practice good habits can expect to earn lucrative rewards.
Allstate Drivewise Rewards
If you’re a current Allstate customer, you can earn up to 10% of your premium in cash back rewards just for signing up. Depending on your driving habits, you can earn up to 25% cash back every six months by using the program.
Drivewise also allows users to earn Allstate Rewards points, which can be redeemed for daily deals, gift cards, sweepstakes, and more. Even if you’re not an Allstate customer, you can still sign up for Drivewise in order to earn points. Drivers earn 10,000 points after signing up, and can earn bonus points for completing safe driving challenges such as going three consecutive days with no high speeds or sudden braking.
How to Sign Up For Allstate Drivewise
To sign up for Drivewise, the primary policyholder needs to download the Allstate mobile app on their smartphone and activate the program. Then, additional drivers on the policy who want to use Drivewise can download the app and enter an activation code.
Drivers who aren’t Allstate customers can also create an account on the app in order to earn rewards.
Allstate offers pay-per-mile insurance through a program called Milewise. Allstate’s pay-per-mile insurance program works by charging customers a base amount plus a small fee per mile driven, making it a good choice for low-mileage drivers. For instance, Allstate provides an example rate of $1.50 per day plus 6¢ per mile.
Milewise has a mileage cap of 250 miles in some states, which means that drivers won’t be charged for any miles beyond this limit. As a result, long road trips will only cost up to a certain maximum amount. Unlike most insurance premiums, Milewise charges policyholders immediately after they take a trip, so drivers must keep a certain balance in their Milewise account.
Allstate Milewise Tracking and Availability
Milewise is available in 18 states, including Florida, Texas, and New Jersey. Milewise tracks mileage using a device that plugs into your car underneath the dashboard, which is compatible with most cars from 1996 or later.
Keep in mind that Milewise is different from Drivewise. Drivewise is a usage-based insurance program from Allstate that gives policyholders cashback on a traditional policy based on driving habits such as speed, braking, and the time of day that you drive.
Yes, the Allstate Motor Club is worth it if you want 24/7 roadside assistance anywhere in the U.S. and anticipate using at least $79 in roadside assistance services in a year. Allstate’s Motor Club has two membership plans: Roadside Advantage, for an initial fee of $79, and Platinum Elite, for an initial fee of $149. You can even get an Allstate Motor Club membership without having an active insurance policy with the company.… read full answer
Why Allstate Motor Club Is Worth It
24/7 roadside assistance services, including towing, jump starts, lockouts, tire changes, and fuel delivery.
Three (Roadside Advantage) or five (Platinum Elite) free service calls per year for as little as $75 the first year.
Covers any car a member drives, including cars they borrow or rent.
Access to trip planning tools and services, plus savings on travel, health, entertainment, and more.
Members can add a second household member for free (16-18 year-olds are always covered for free).
Members still have access to Allstate roadside assistance on a pay-per-use basis after exhausting their free service calls for a year.
More Details on the Benefits of Allstate Motor Club Memberships
An Allstate Roadside Advantage membership provides three free service calls per year for things like jump starts, fuel delivery, lockout services (up to $100), tire changes, and towing services (up to $150 per tow request). The Platinum Elite membership provides five free service calls per year, and it ups the towing limit to $250 per disablement. Keep in mind that neither membership includes the cost of fuel or any parts.
Allstate’s Motor Club memberships, which can be renewed annually for $99 (Roadside Advantage) and $169 (Platinum Elite), also provide discounts on oil changes, auto parts, and flights. They even include motorcycle and RV coverage, as well as a road hazard benefit that reimburses customers for damage to tires and wheels.
Bottom Line on Allstate Motor Club
The bottom line is that if you break down on the side of the road or wake up to a flat tire at home, you’ll find that an Allstate Motor Club membership is worth having. Some notable competitors to the Allstate Motor Club are AAA, National Motor Club, and Good Sam Roadside Assistance, but Allstate’s Motor Club coverage stands out because of its multiple coverage options and its availability to customers on a pay-per-use basis. To learn more about your Allstate Motor Club options, call 877-597-3393.
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