Allstate Car Insurance Canada Review

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By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 12, 2024

Visit author page
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated March 12, 2024

Visit author page

8 minute read

Article Contents

Allstate Insurance Review

Allstate Insurance is a significant player in the global insurance landscape. It specializes in property and casualty insurance, offering a broad range of auto and property insurance products to numerous Canadians across various provinces such as Alberta, Ontario, Quebec, New Brunswick and Nova Scotia.

The company presents itself as a dependable neighbourhood insurance provider. One of the ways they do this is through their “Good Hands Network.” This is a program where Allstate promises their customers they will always be able to contact a broker or claims adjuster anytime. This promise is fulfilled by having multiple ways for their customers to contact them. You can contact Allstate over the phone, email, online chat, or through a physical conversation with an Allstate agent.

When customers purchase a policy online with Allstate, they can expect:

  • Custom-designed insurance policies that are meticulously crafted to align with your specific lifestyle and requirements.
  • 24/7 claims support, assisting whenever needed, day or night.

Renowned for its versatile underwriting team capable of crafting policies for any circumstance, Allstate Canada relies on its broker network to provide only top-tier solutions to its clients.

A Brief Company History

Allstate was founded in 1931 in Illinois. The company has since become the largest publicly traded property and casualty insurance provider in the United States. The company has built a reputation as a dependable insurer with polite mid-western ethics. The company has done this by focusing on excellent customer service with a business model built on lifelong retention.

Allstate expanded into Canada in 1953. The company’s Canadian headquarters are in Markham, Ontario, and they provide home and auto insurance in several Canadian provinces.

Why Choose Allstate Car Insurance

Conducting business with a company that belongs to a global corporation comes with numerous benefits. In Ontario, Allstate Canada is a full-service auto insurance provider offering extensive coverage possibilities.

Allstate is a company geared toward offering insurance to drivers on a long-term basis. Its car insurance policies have the advantage of offering discounts to certain drivers while offering excellent customer service.

Also, drivers can get discounts for other specific things. These requirements vary depending on where one lives, along with other factors. In general, drivers can get a discount for installing an anti-theft device, using winter tires, and being a long-term Allstate customer. For example, university students under the age of twenty-five can get a discount for having good grades. Drivers in Ontario can get a discount if they have a private driveway or garage. Quebec drivers can get a discount if their car is under three years old. Drivers in Alberta can get a discount for being part of certain professions or guilds.

A key factor that attracts customers to Allstate Canada is the company’s capacity to utilize its substantial financial assets for the advantage of every client. The company’s strengths encompass:

Exceptional Customer Service

Allstate Canada is recognized for its exceptional customer service, embodying its “good hands” policy by prioritizing client care and ensuring peace of mind.

Unique Discounts

The company offers various discount programs across different insurance types, including auto, home, and boating insurance, enabling customers to save on premiums through discussions with their brokers.

Transparency

As a leader in client service, Allstate Canada provides extensive complaint resolution pathways, including direct access to the Ombudsman and clear, understandable terms of service on its website, ensuring customer issues are addressed effectively.

Specialty Products Access

Access to group insurance and other specialty products is offered to help clients manage costs effectively.

In-depth Online Resource

The company’s website serves as an exhaustive resource for understanding insurance, offering detailed guides, FAQs, and tools designed to demystify insurance policies, coverage options, and the claims process, making insurance more accessible to everyone.

Collaborative Custom Insurance Solutions

Allstate Canada distinguishes itself by working intimately with its network of brokers to craft personalized insurance solutions. This cooperative method guarantees that every policy is tailored to fit the preferences of every individual client, offering them the exact coverage they need.

Pros and Cons of Buying Allstate Car Insurance

Allstate car insurance is a well-regarded provider for cars, trucks, and other vehicles. Boasting more than 90 years in the insurance sector, Allstate delivers a wide array of coverage choices that can be customized to suit the unique requirements of every driver.

The advantages of choosing Allstate for car insurance include accident forgiveness, new car replacement, and roadside assistance. Additionally, they provide discounts for safe driving, holding multiple policies, and more.

Renowned for outstanding customer service and an efficient claims process, Allstate is a dependable option for motorists seeking confidence and security while driving.

  1. Customizable Coverage Options: Offers a broad selection of customizable coverage options to meet diverse needs.
  2. Accident Forgiveness: Features an accident forgiveness program to protect rates after the first at-fault accident.
  3. New Car Replacement & Roadside Assistance: Provides new car replacement coverage and comprehensive roadside assistance.
  4. Discounts for Safe Driving: Numerous discounts, including incentives for safe driving habits, are available.
  5. Superior Customer Service: Renowned for excellent customer service and an efficient claims handling process.
  1. Higher Premiums: Premiums may be higher compared to other insurance providers.
  2. Limited Coverage in Certain Areas: Coverage options may be restricted or unavailable in some states.
  3. Policy Cancellation Issues: Some customers report difficulties when cancelling their policies.
  4. Credit-Based Pricing: Utilizes a proprietary credit-based insurance score for premium determination, which may not always accurately represent a driver’s risk level.

Allstate Auto Insurance Discounts

Here is how customers can save with Allstate:

Claim Forgiveness

Your first at-fault claim won’t affect your rates, and your rates remain unaffected by a second at-fault claim after the first one expires.

Disappearing Deductible

Celebrate a reduced deductible each term you go without filing a claim, enhancing your savings over time.

“Take Two” Advantage

Achieve optimal savings by bundling your auto and property insurance policies.

Multi-Vehicle Discounts

Enjoy more favourable rates when insuring multiple vehicles with Allstate.

Winter Tire Discount

Qualify for a discount on auto insurance when all your tires are designated for winter use (available in Ontario & Alberta).

Ticket Forgiveness

Rest easy knowing a minor driving offence ticket won’t raise your insurance rates.

Claim Satisfaction Guarantee

Experience Allstate’s commitment to customer satisfaction with a premium refund if you’re dissatisfied with your auto claim experience at no additional cost.

Allstate Insurance App

Allstate’s insurance app is a versatile tool designed to streamline all your insurance needs in one convenient place. Here’s what you can do with the app:

  • Digital Proof of Insurance: Easily retrieve your digital insurance card (pink card) anytime.
  • Coverage Review & Modifications: Check your existing coverage and submit requests for changes directly.
  •  Policy Document Access: Gain instant access to your policy documents.
  •  Billing & Payments: View billing details and execute payments seamlessly.
  •  Claim Insights: Get an overview of claim specifics, including your auto deductible.
  •  New Vehicle Premium Estimate: Estimate insurance costs for a new vehicle using your current coverage.
  •  Account Notifications: Stay informed with crucial notifications about your account.

Additional Insurance Services Provided by Allstate

Beyond car insurance, Allstate extends its services to a variety of property insurance options, catering to different needs:

Allstate’s home insurance policy is designed to be flexible, ensuring that one comprehensive plan protects your home, auxiliary structures (like garages or sheds), personal belongings, legal liabilities, and additional living expenses. Beyond the standard coverage, you have the option to personalize your policy with unique add-ons to suit your lifestyle:

  • Game and Fishing Coverage: Tailored protection for your sporting equipment and activities.
  • Identity Theft and Legal Expense Coverage: Safeguards against identity theft and covers legal expenses.
  • Yard and Garden Coverage: Enhanced insurance for your landscaping, garden, and outdoor equipment.

An all-terrain vehicle offers the freedom to explore open spaces, navigate through muddy swamps, and traverse snowy landscapes. ATV insurance is indispensable to ensure you and your vehicle are protected. With the right coverage, you can confidently enjoy your adventures on and off the road. Our offerings include:

  • Discount packages.
  • Round-the-clock claims support.
  • Exclusive features.
  • Access to high-quality repairs from our preferred vendors.

The future may be uncertain, but you can take steps to ensure your family’s financial stability. Life insurance provides essential financial security for your loved ones in your absence, offering peace of mind knowing they are cared for.

Even if you don’t own your home, its space and possessions hold significant value. It’s a place for family gatherings, entertaining friends, and relaxation. Tenant insurance is crucial for protecting your belongings against unforeseen events. Without it, the cost of replacing your items could be overwhelming. Allstate’s tenant insurance policies are designed to offer peace of mind, allowing you to select the coverage that best fits your needs.

Vacation time should be free from the stress of unexpected medical expenses or other unforeseen costs. With travel insurance tailored to your specific needs, you can ensure you’re covered, no matter the nature of your trip. Coverage options include emergency medical, trip cancellation, non-medical, and all-inclusive holiday plans.

Boating offers a fantastic escape into nature, whether sailing with family, fishing with friends, or embarking on a solo adventure. Naturally, the last thing on your mind should be concerns about adequate coverage for unforeseen events. Ensuring you have the appropriate boat insurance is crucial for peace of mind.

Just like humans, pets can experience illnesses or accidents that lead to expensive medical bills. To avoid being caught off guard by these costs, having a pet insurance plan tailored to your needs and financial situation is wise. Here are your coverage options:

  •  Accident and Illness Plan: Our most comprehensive option offers up to $7,500 or $15,000 in annual coverage. It covers many needs, including hospital stays, surgeries, prescription medications, and more, ensuring your pet receives the best care possible.
  •  Accident-Only Plan: A fundamental plan providing $5,000 annually to cover medical treatments for injuries caused by accidents, offering a basic safety net for your pet.
  •  Flex Care: This add-on enhances your Accident and Illness policy by offering additional flexibility to cover expenses not included in your primary policy, such as dental care, vaccinations, and annual check-ups, allowing for more comprehensive protection of your pet’s health.

Allstate’s range of insurance products is designed to meet the diverse needs of property, boat, pet or ATV owners, tenants and frequent travellers, providing comprehensive coverage and peace of mind.

How To Submit A Claim With Allstate Insurance

Allstate takes pride in making it easy to submit a claim. Their “Good Hand Network” lets customers contact Allstate through almost every form of communication. This means you can submit a claim using the Allstate app that allows them to take photos of their car. You can also call, email, chat, or speak to an Allstate agent.

Email

You can contact them at anytime 24/7

Contact by phone

Feel free to contact the team by phone

Website

File a claim by visiting the website

Commonly Asked Questions About Allstate Insurance

Is Allstate Insurance only available in Ontario?

Allstate covers Canadians across multiple provinces, such as Alberta, Ontario, Quebec, New Brunswick and Nova Scotia.

How do I file an Allstate Insurance claim?

Call Allstate at 1-800-255-7828 or use their app or website any day. For inquiries about claims or other non-urgent matters, reaching out to them through email is an option, with the assurance of receiving a swift response within a few days.

Does Allstate offer any bundle discounts?

Yes, it offers several discounts and bundles on car and home insurance.

Who owns Allstate Insurance?

In May 2022, London Bradley took on the leadership positions of president and CEO at Allstate Canada, along with its subsidiaries, including Pembridge Insurance Company, Pafco Insurance Company, and Ivantage Insurance Brokers Inc.

How to cancel Allstate car insurance policy?

To terminate your car insurance policy, please adhere to the following procedure:

1. Contact the Allstate customer support team by dialling 1-800-255-7828 or contact your Allstate agent to express your desire to cancel your policy.
2. Furnish your policy number and explain the reason for your cancellation, providing any further details as required.
3. Finalize the cancellation process by confirming it.

How to change the address on Allstate car insurance?

To update the address on your Allstate car insurance policy, you can:

1. Access the Allstate website and sign in with your credentials.
2. Find and enter the account settings area.
3. Pick the policy you need to update if you have more than one.
4. Change the address details to your new location.
5. Click “Save” or “Update” to apply the changes.

Or, directly call Allstate customer service to report your new address, providing your policy number and new address details. Allstate will confirm the update with a confirmation message.

Congratulations! You made it to the end!

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