Allstate vs. Liberty Mutual

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.

Why Allstate Motor Club Is Worth It

• 24/7 roadside assistance services, including towing (up to $150 or $250 depending on the plan), jump starts, lockouts (up to $100), 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.

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

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.

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).

Allstate Drivewise - Key Features

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.

How Allstate Pay-per-Mile Works

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, Allstate has accident forgiveness as part of its optional Gold and Platinum auto insurance packages. Gold-level Allstate accident forgiveness applies to one at-fault accident per policy every three years, while Platinum-level accident forgiveness is not limited to a certain number of accidents.

How Allstate Accident Forgiveness Works

Allstate accident forgiveness allows customers to keep all previous discounts, like a safe driver discount. Drivers also avoid any accident surcharges that would normally apply. But since Gold-level forgiveness is per-policy, members of a household who share one policy cannot have different accidents forgiven. On the other hand, Platinum forgiveness is unlimited, so multiple people on the same Platinum policy can be forgiven for separate accidents. One driver with a Platinum policy could also have several accidents herself and have them all be forgiven.

However, having Platinum-level accident forgiveness from Allstate is not an excuse to drive recklessly. Platinum customers cannot be downgraded from a Platinum policy to a lower level, but Allstate reserves the right to not renew the policies of customers whose driving habits suggest that they are unacceptably risky to insure.

Because of the added accident forgiveness, Gold and Platinum packages are more expensive than the “Silver,” or standard, level of coverage that most customers purchase.

Another Form of Allstate Accident Forgiveness

Both the Gold and Platinum packages from Allstate also include a deductible rewards program. This perk lowers a customer's collision deductible by $100 on the day they enroll. The collision deductible then decreases by another $100 for every 12 months without a chargeable accident (an accident that would usually lead to a rate increase).

In certain states, the deductible cannot be less than $100, and the deductible decrease is limited to $500 overall. The deductible decrease is also earned, used, and lost at the policy level, meaning that it cannot be applied to multiple accidents.

The cost of Gold and Platinum Allstate packages differs by state and individual driver. In addition, Allstate accident forgiveness is not available in California due to state laws. You can call Allstate or get a quote online to determine the exact price of Allstate accident forgiveness for your individual circumstances.

Yes, Allstate does offer free towing for customers who have the company's roadside assistance coverage. Allstate roadside assistance generally costs $25 annually per vehicle when it is added to an Allstate car insurance policy, and the coverage pays for up to $150 in towing services. Allstate customers can request roadside assistance online or call 1-877-597-3393.

It's also worth noting that drivers without an Allstate policy can purchase an Allstate roadside assistance membership plan, which starts at $79 annually. Plus, drivers without any pre-purchased roadside assistance can request pay-per-use roadside assistance through the Allstate website.

What Allstate Roadside Assistance Covers

• Towing services up to $150
• Jump starts
• Fuel delivery
• Lockout services
• Tire change

While Allstate's roadside assistance covers towing and other services, it doesn't cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

Yes, Allstate offers a type of extended warranty. The Allstate extended warranty program is called Extended Vehicle Care, and it covers the cost of repairing the engine, transmission, brakes, suspension, and steering, among other things. The cost of Allstate Extended Vehicle Care varies depending on the vehicle, but it averages about $25-$60 per month.

In general, extended warranties are meant to keep drivers from paying out of pocket for sudden repairs, since mechanical problems are not covered by other types of auto insurance.

Allstate Extended Warranties Cover:

• Transmission
• Engine
• Drive Axle
• Brakes
• Suspension
• Steering
• Fuel System
• Engine Cooling
• Electrical
• Emissions/Exhaust
• A/C & Heating
• Convenience Tech
• Safety Tech
• Tire & Wheel (optional)
• Windshield and Dent Repair (optional)
• Roadside Assistance
• Alternate Transportation
• Trip Interruption

Coverage details can vary depending on which Allstate plan you choose. Additionally, since Extended Vehicle Care is designed to supplement the original manufacturer's warranty, cars must meet certain requirements to qualify.

Extended Vehicle Care Eligibility Requirements

• Up to 7 years and 100,000 miles
• Must have an Allstate car insurance policy or purchase the coverage through a select dealership

Coverage and eligibility details can vary by state. It's also worth noting that Extended Vehicle Care is technically a vehicle service plan, which provides the same coverage as an extended warranty. However, vehicle service plans are offered by car insurance companies, whereas extended warranties are generally sold by dealerships or third-party companies. For more information, check out WalletHub's guide to extended car warranties.

Yes, Allstate offers gap insurance for approximately $20 per six-month policy. Allstate gap insurance pays the difference between a totaled car's value and the policyholder's loan or lease balance, including the collision or comprehensive deductible up to $1,000.

Allstate gap insurance is usually a better investment than purchasing this coverage from a dealership, where the cost is often rolled into your loan and charged interest. And you can cancel Allstate gap insurance once your car is worth more than your loan or lease balance.

For more information, check out WalletHub's complete guide to gap insurance.

Yes, Allstate has glass coverage for customers with comprehensive insurance. Allstate customers can file a glass claim under their comprehensive coverage if their windshield was damaged due to something besides an accident, such as an animal, a weather event, or vandalism. If the windshield was damaged in a crash, drivers can file a claim with their collision insurance if they were at fault or with the at-fault driver's liability coverage.

Fixing a cracked or chipped windshield is important for safety reasons, since damaged windshields can obstruct a driver's vision and weaken the car's frame. But if the damage is minor, you might be able to have your windshield repaired rather than replaced. A general rule of thumb is that windshields can be repaired if there is a chip smaller than a quarter or a crack smaller than a dollar bill.

To encourage customers to drive safely, Allstate waives the comprehensive deductible for windshield repairs. Several states also have specific laws about car insurance deductibles for windshield repairs and replacement.

State Laws on Deductibles for Glass Coverage

• Florida, Kentucky, and South Carolina require companies to waive the deductible for both windshield repair and replacement.

• Kentucky and South Carolina require companies to waive the deductible for all auto glass that you can see out of, not just the windshield.

• Arizona, Connecticut, Massachusetts, Minnesota, and New York require insurers to offer customers the option of a $0 glass deductible plan. This option is often referred to as full glass coverage.

If you don't live in one of these states, you will likely have to pay your comprehensive deductible in order for your windshield to be completely replaced. You can check with Allstate if you're unclear about your policy details or your state's laws. For more information, check out WalletHub's guides to comprehensive and windshield insurance.

To cancel Allstate, the policyholder must contact their agent directly or call customer service at 1 (877) 810-2920. Your agent may ask you to submit a written request for cancellation. The cancellation can be arranged for a future date or set to take effect immediately. You will need your name, address, phone number, policy information, and the date you would like your policy to end.

• Cancel by phone by calling your agent or 800-255-7828.
• Cancel by mail by writing a letter that includes your name, address, phone number, policy information, and the date you would like your policy to end. Sign, date, and mail your letter to: Allstate Insurance Company / PO Box 660598 / Dallas, TX 75266.
• Cancel in person by taking visiting your local Allstate agent.

If you've already paid your premium for the policy period in full, Allstate will refund the unused portion. Allstate does not impose a cancellation fee or penalty for early termination.

It's important to remember that you don't need to cancel your policy just because you're going through some life changes. For example, you should have Allstate update your mailing address or vehicle information if you're moving or buying a new car.

If you're canceling your current policy in order to switch to another company, be sure to activate your new policy before canceling the old one. This prevents a lapse in coverage, which would lead to higher premiums in the future.

The main Allstate NAIC number is 19232. Allstate's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With Allstate's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need Allstate's NAIC number to report fraud or file an insurance claim, as well.

Although the main Allstate NAIC number is 19232, the NAIC has assigned a separate code for each of Allstate's affiliate companies, which are listed below. You can find the number that applies to your particular policy on your Allstate insurance card. 

Allstate NAIC Numbers

Allstate's NAIC number is not the same thing as the three-digit code assigned by each state's department of motor vehicles. These numbers, issued by state insurance commissioners, are given to the companies that have been authorized to sell insurance policies in a particular state. However, they are not standardized across state lines, like NAIC numbers are.