Response & Repair:  

Like Liberty Mutual, Allstate is excellent for its initial response benefits, like towing, but can be painstakingly slow-coming in its damage estimation, claims resolution and repairs. Again, these inadequacies place them somewhere between best and worst. There are hundreds of companies that it stands head and shoulders above, but several of its competitors featured on this site do, in fact, best Allstate in this regard.

Policy Flexibility:  

Allstate stands out for its policy offerings, providing a variety of coverage options for drivers. It even offers drivers agent-like customization with its "Bumper-to-Bumper Basics" tool that helps determine the right level of coverage for vehicles. And, for drivers that prefer going about their policy the traditional way, Allstate has agents in most cities and states nationwide that can assist in providing potential policyholders with the appropriate coverage for their needs and budget.

Benefits & Discounts:  

While it stands out first and foremost for its policy flexibility, Allstate also has a robust offering of driver discounts. Discounts are available for cars with safety features like Anti-Lock brakes and Anti-Theft devices. Good students, senior adults and retired persons are eligible for potential discounts as well. So are policyholders with new cars, economy cars, utility vehicles and farm and ranch vehicles. Taking out other insurance policies for home, life, etc, is also a sure-fire way to reduce premiums.

One of Allstate's benefits is its "New Car Replacement" program. Drivers of new cars often lose more than just their car when involved in a "Total Loss" accident. They also lose whatever money they paid down on their car. With Allstate, drivers of vehicles in their first three model years will receive an entirely new car, as opposed to the depreciated value of the totaled car.