Allstate

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, 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.

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

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.

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).

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.

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.

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 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 does sell gap insurance. Allstate's Guaranteed Asset Protection program covers the remaining balance owed on a financed or leased vehicle that's been totaled or stolen, after comprehensive or collision insurance (or an at-fault driver's liability coverage) pays the car's actual cash value. Gap insurance from Allstate is available for personal use vehicles and many light-duty commercial vehicles.

Allstate Gap Insurance Covers:

• New or used vehicles worth up to $150,000.
• Up to $50,000 for the payoff balance on totaled/stolen vehicles (not including late charges, delinquent payments, deferred payments, etc.).
• Up to $1,000 for the primary auto insurance policy's deductible.

You must contact Allstate to get a quote for gap insurance, but gap insurance coverage generally costs between $400 and $700 per year, on average. Also, keep in mind that Allstate's gap insurance program varies both by state and based on the dealer that sells the policy.