Are you in search of an auto insurance company with a ton of helpful features? If so, we’ll compare AAA vs Allstate. Both companies are similar when it comes to helping their customers with emergency related help. However, in this review we will look into claims, prices, and more.
Let’s get to know both companies.
Allstate has a long history spanning back to the early 1930s. General Robert E. Wood got the idea to start an auto insurance company. His strategy was to sell insurance by mail. This idea blew up and in a few short years the first Allstate sales location opened in Chicago Illinois.
AAA is a non-profit member service organization with over 50 million members. AAA provides their members with a plethora of services such as roadside assistance and auto insurance.
Auto insurance rates comparison
AAA
Before you can get insurance with AAA, you must first become a member. Is AAA worth the cost? It depends! You can save a lot of money by being an AAA member. Prices vary depending on where you live, but expect to pay $60-$100 for a membership. This initial membership cost might scare many people, but I strongly recommend that you get a quote right now to see if you will get an excellent rate with AAA.
AllState
Allstate is one of the best auto insurance companies when it comes to savings and discounts. Not only will you save now but you will also save by being a good driver. Allstate is also known for offering competitive insurance rates. I recently tried getting an auto insurance quote with Allstate and my quote was better than some of the top companies in the industry.
Insurance rates are dependent on various different factors such as where you live. For example, South Florida drivers pay more on auto insurance than drivers in other states.
Allstate features and discounts
New car discount – Did you just buy a new car? If so, then you could be saving money on your car insurance with Allstate’s new car discount. If your vehicle is the current model year or a previous year model, then you could be saving an extra 15% today.
Drivewise – The best auto insurance companies allow their customers to get rewarded for their safe driving. Drivewise is a device that customers plug into their OBDII port. Once plugged in, then start driving for rewards. You will receive 10,000 points just for signing up. Drivewise tracks driving habits and just like going to your favorite arcade, you will rack up points and you are able to redeem them later. Drive at safe speeds, limit your nighttime trips, and stay away from hard braking and you’re set.
Accident forgiveness – Allstate is known for being one of the few auto insurance companies that offer accident forgiveness which is great for parents who want to insure their young drivers. Accident forgiveness protects you after an accident. Not only do you feel safe, but your rates will not increase after an accident.
Safe Driving Bonus – Make money twice a year by driving safe. Every 6 months that you do not have an accident with Allstate, then you will be given a check in the mail.
Claim satisfaction guarantee – If you have ever been dissatisfied with your auto claim, then you will love this. If your auto claim is not to your liking, then you will get your money back.
AAA discounts and features
Reduce Mileage – Why pay more if you drive less? As I said while reviewing GEICO Vs MetroMile, there are many companies that will help you save money when you drive less miles a year than average. AAA is one of them!
Safe Driver’s discount – This discount usually applies for those who had a clean driving record for the past 3 years. However, with AAA for customers who have less than 3 points on their license they will qualify for their safe driver’s discount.
AAA benefits – There are many benefits to being an AAA customer. One of those benefits has to do with discounts outside of car insurance. Just to name a few, AAA customers can save 10% on Best Western Union Plus. They can save 15% on Tijuana Flats. AAA customers are bombarded with various cruise, vacation, restaurant, and event deals.
Defensive Driver Discount – If you are 55 years old or older, you can get a discount on auto insurance by taking a driving class. The Defensive Driver course helps customers to adjust age related physical changes. The great thing about this course is that it can be done in the comfort of your own home.
Multi-car – This is a common auto insurance discount for those who insure more than one car with the same auto insurance company.
Claims and customer service winner
In the J.D. Power 2017 Auto Claims Study Allstate scored higher than AAA, Nationwide, Farmers, Mercury, MetLife, Safeco, USAA, and a plethora of other well-known auto insurance services in overall satisfaction.
Allstate was among the best in the estimation process and the repair process. AAA offers mixed reviews when it comes to claims. The main concern is the rate increase that some customers experience. With features such as accident forgiveness Allstate customers can have peace of mind.
Roadside assistance
AAA
AAA is the king of roadside assistance. This is what they are known for. Surprisingly many people do not even know that AAA offers auto insurance. AAA provides assistance to their customers any and everywhere, all it takes is a simple call or online request. AAA provides services such as a battery boost, emergency repair, fuel delivery, one-day free car rental, tire service, towing, and more.
Allstate
Allstate offers GOOD HANDS RESCUE SERVICES. This service is for both Allstate and non Allstate customers. There are no membership fees. No policy required. After the job is done, then you pay. All that you have to do is download the Good Hands Rescue app. You can easily be found with their GPS location and you are given real-time updates. Good Hands Rescue covers towing, lockouts, gas delivery, tire changes, and more.
Also, you can join the cheap Allstate Motor Club which provides you with roadside assistance and break down services. First year membership fees start at less than $5 a month. There are numerous benefits that include travel discounts, rental savings, and online savings.
Website navigation
Allstate’s website is easier to navigate through for beginners. Everything is organized well and you even have a tools and resources tab to help you. For some people AAA can be overwhelming because you are bombarded with various options and with AAA you have to choose the right club, which can be frustrating.
Which is better?
Allstate is the more experienced auto insurance company with the most insurance features. Also, Allstate is easier to use and there is a greater chance that you will receive a more affordable quote. Lastly, Allstate offers better claims and more discounts. Compare prices today and get a quote from both AAA and Allstate