Allstate Review

I had Allstate as both my home and auto insurer for the past 4 years. My agent was pretty friendly and professional and had no problems with them until just the past few months. I had a small fender bender (seriously, it cost just about $1000 to fix the other car). Since my deductible was only $500, I decided to report the accident, thinking that we were both at fault. Not only was it determined that it was 100% my fault, but Allstate decided to double my premiums (which increased $700 for 6 months!!) and said that my rate would go up that much for the next 3 years. When I called and asked about the increase, they called it something like a "return" for the accident. So, that means they area making over 4x what the accident cost them from my premiums. Wow.

Maybe it's because I live in California and auto insurance is such a racket here, but I've had way worse accidents before (although none of them have been my fault) and none of my former insurance companies increased my rate that much (I've been with AAA and 21st century in the past, but I switched to Allstate to get the discount on home owners' and car insurance together.)

So, I just switched to State Farm.