Allstate, Farm Bureau - Any thoughts?

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PostPosted: Tue Jul 17, 2007 7:31 pm   Post subject: Allstate, Farm Bureau - Any thoughts?  

We are looking at changing our insurance (auto/home) from our local Farm Bureau to Allstate. We have had our current company for about 11 years and after checking around have found that Allstate offers better rates. I've seen reviews throughout the net from good to bad for pretty much all insurance companies, especially in the Gulf area. I'm just looking for any comment you would like to make to help in our decision. We consider this a big decision and want it to be an informed one. So, any help would be greatly appreciated.



Thanks! Very Happy

popuppix
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PostPosted: Wed Jul 18, 2007 4:23 am   Post subject:   

Hi popuppix,



You are quite right; any decision related to insurance is a big one. There is no harm in switching if you are getting a better deal. But don't make a blind choice. Premium rate is only one of the many criteria in choosing an insurance policy. If AllState is offering you all the benefits that you are enjoying in your current policy at a better rate, you may definitely consider switching to it.



Hope you will make the best decision for you and your family.



Thanks and regards,

Juanita

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PostPosted: Wed Jul 18, 2007 5:54 am   Post subject:   

AllState, no doubt, is a renowned insurance firm in the US. And you may possibly get a better deal from them. But recently they have lowered the coverage level for homeowners insurance in the gulf area after they had suffered the whooping loss of $1.55 billion in the way of settling the claims after the Katrina. They also have increased the rates. However, if they are still meeting your demands, you can switch to AllState. Fatman.

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PostPosted: Wed Jul 18, 2007 7:24 am   Post subject: AllState  

Hey, I think nobody out there will say Allstate is bad. They are definitely good. If they are offering you a better deal, do not hesitate to switch.



Take care.

Jess


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PostPosted: Wed Jul 18, 2007 3:25 pm   Post subject:   

Thanks for the replies! Jess, I'm sorry to say that I have found several bad comments on Allstate but not just them it seems to be across the board. Plus on boards like this and others you never know the complete circomstances behind the problem. Comparing apples to apples on the home, they are a little better on the dwelling. However, they are a bit less on the other structures and personal property. Our yearly savings regarding the rates would be about $338.00. Decisions, decisions!!!

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PostPosted: Sat Jul 21, 2007 11:10 am   Post subject: AllState v/s Local Farm Bureau  

Hi popuppix, the amount sounds pretty handsome. Regarding the bad comments about Allstate, I personally feel that they are good. After all, they are the second best one in the country. However, different individual holds different perception towards the same subject. So, your idea may or may not match with mine. But if you are receiving all the basic benefits at a lower rate, then I feel it is a better deal.



Regards,

Juanita

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PostPosted: Wed Oct 14, 2009 4:03 pm   Post subject: Allstate  

$338 over ten years is a saving of $3,380.00. You can put the saving in a college fund or retirement fund. This is a no brainer.


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PostPosted: Wed Oct 14, 2009 4:03 pm   Post subject: Allstate  

$338 over ten years is a saving of $3,380.00. You can put the saving in a college fund or retirement fund. This is a no brainer.


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PostPosted: Tue Feb 02, 2010 1:37 am   Post subject: Allstate Bad  

Allstate is like the other devils in the insurance world; bait and switch then deny and clobber you. My new policy with them was a great buy(after switching from Safeco who i was with 14 yrs.) My renewal rate went up 30.00 in only 6 months and I have no claims or changes. I 've been played again. The great rate lasts only until your signed up. BEWARE.


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PostPosted: Tue Feb 02, 2010 1:44 am   Post subject: Allstate bad  

That is 30.00 more EACH MONTH. So they now get back the 360.00 they claimed to save me this year.



I would like to hear from others in simular deals.


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PostPosted: Tue Feb 02, 2010 1:47 am   Post subject: Allstate Bad  

rotorooter and Juanita sound like they work for that insurance company


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PostPosted: Tue Feb 02, 2010 1:54 am   Post subject:   

Isn't it odd that an insurance policy or contract is only available to be read after you have you have commited to it, paid for it, and replaced a previous one? And you are lucky if you get a copy from some companies. Oh here's where you can find a copy of your contract (policy) online. ( if you have a computer or online connection.) Oh and forget about orignal equipment parts for that car of yours, we will replace at our option parts made by someone other than the manufacturer of your vehicle.



There are thousands of vehicles on the road today that have aftemarket safety impact bars behind the bumpers that have recently been proven to be defective and there is no requirement of any insurer to notify the policy holder of a decertified structural part that has been proven to be defective and no recall program to remedy a situation that could prove fatal to policyholders if involved in a frontal collision. Odd isn't it?



The caveman and gecko company is the only insurer to publicly state that they will no longer use aftermarket impact bars but did not say that they would notify vehicle owners that were forced to use them that they would replace them. This recent revelation should be brought to the attention of vehicles owners just as the Toyota throttle cably issue has been and it should be initiated by the insurance industry in my opinion.



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PostPosted: Tue Feb 02, 2010 6:51 am   Post subject:   

Quote:
Allstate is like the other devils in the insurance world; bait and switch then deny and clobber you. My new policy with them was a great buy(after switching from Safeco who i was with 14 yrs.) My renewal rate went up 30.00 in only 6 months and I have no claims or changes. I 've been played again. The great rate lasts only until your signed up. BEWARE




This is what happens when you chase great or better rates. My wife just got a mailer from a local Farmers agent saying that on average people save $489.00 per year. Seeing that we only pay $480 per year for "full coverage" on her car, are they saying that we may be able to be paid $9.00 and get a policy if we switch to them.



Myself, once I've been with a carrier for at least 10 years with no issues...I'm not switching to save a couple bucks in the short term. Then again, I have Allstate for my homeowners.


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PostPosted: Tue Mar 16, 2010 2:38 pm   Post subject: Allstate  

I personally have had a bad experience with Allstate. I was in a car accident where both the girl that hit me and myself were insured by Allstate. Allstate promises to give you representation, but they refused to give me a representative. They led me on by promising they would let me know if my medical bills came anywhere near what the girls coverage was, but didn't. My bills were over 10 times what her coverage was and growing and they still would not have said anything had I not finally decided to get a lawyer and sue them. I am a Christian and did not want to have to go this way, but had no choice. They had ruined my credit! If you do a "Google" search by putting in "vs. Allstate" you will find several very interesting things about the company....to say the least!


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PostPosted: Tue Mar 16, 2010 8:30 pm   Post subject:   

Gee, hard to believe, especially when their commercial spokesman makes you feel all good and fuzzy about allowing them to take care of you.



Whether it's allstate or any other company, their business practices vary in different markets and states and the purpose of their commercials is to get you to feel good about selecting them. They are milking your trust and empathy. It's called marketing! They have a very very good marketed commercial and if you'd take a poll from prospective insurance purchasers, most would feel safe in believing this ficticiousl representative who is AN ACTOR who is paid to make you believe you would be in better hands with them.



I get at least ten solicitations a month telling me they can save me money. When compared, they can't even get close to what I am presently paying so why do they claim they can? It;s marketing and advertising and fishing for unhappy policyholders. The best place to find out how insurance companies treat their policy holders is to ask anyone who has recently had a claim with a company you are contemplating switching to or to talk to contractors and auto collision repairers who are not dependent on that company for a source of direct income through referrals. The last person to ask what they think of their insurance company is someone who has never experienced a claim with them in 15 years.



One should also explore and understand the limitations and coverages that you are seeking. Full coverage auto does not mean you have rental coverage or underinsured, or med pay in most instances. The cheaper prices reflect the bare minimum coverages that are offered for the liability, collision, and uninsured in most cases. Sitting in an auto shop being told you dont have comprehensive on your hail damage, or rental coverage, and "oh yeah" that thousand dollar deductible don't look so good now, is a bad time to find out that switching to save money was a good idea.



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