Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Content Writer & Entrepreneur Shuman Roy

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jun 13, 2022

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Allstate Insurance recently launched its so-called “Claim Satisfaction Guarantee,” which is currently available in 31 states.

In short, Allstate policyholders who are dissatisfied with their insurance claims experience are able to receive up to a six-month insurance premium credit on their auto insurance policy.

What kinds of insurance does Allstate offer?

Before we get into the Allstate satisfaction guarantee, you might be wondering what types of coverage you can get from this insurance company. Take a look at the list below.

  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Motorcycle insurance
  • Off-road vehicle insurance
  • Term life insurance

It is worth noting that Allstate offers a bundling discount for those who choose to purchase a renters or homeowners policy and an auto policy.

You’ll find all of the standard coverages available from Allstate car insurance, along with a wide variety of extra coverages like rideshare insurance, roadside assistance, medical payments coverage, personal injury protection, and a lot more.

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How does Allstate’s claim satisfaction guarantee work?

Perhaps your insurance adjuster didn’t call you back fast enough…you may receive a six-month premium credit.

Perhaps you were put on hold too long or a customer service representative was rude to you on the phone…you too may receive a six-month premium credit.

Here are the “steps” of the Allstate Claim Guarantee program:

1. You’re an Allstate customer.
2. You have a car accident and file a claim with Allstate.
3. They pay your claim, but you’re not happy with the claims process.
4. You send a letter explaining why.
5. Allstate gives you up to a six-month credit on your premium.

*Customers who qualify for this program must notify Allstate in writing within 180 days of their incident to express that they are dissatisfied with any aspect of their claim experience in order to receive the credit.

[Why do insurers deny claims?]

Tip: Allstate offers a six-month credit for the premium charged for the vehicle listed on the policy.

If the vehicle in question was not listed on the policy at the time of the accident, you will receive a credit equal to the premium for the vehicle with the lowest premium amount listed on the policy.

Basically, you will not get an entire six-month premium credit if you have more than one car on your policy.

If you have two cars that each cost $500 per policy term ($1,000 total per term), the most you will receive in the form of a credit is the $500 for one vehicle.

Additionally, you are only able to receive one “credit” per policy term. Regardless of how many cars you have on your auto policy, you only get one credit.

Is Allstate’s claim satisfaction guarantee too good to be true?

The claim satisfaction guarantee offer from Allstate is pretty cut-and-dry. There are some terms and conditions, but rest assured that TTAI has read through all of the available information for you. We don’t see any glaring “holes” in the program.

[List of Allstate auto insurance discounts.]

Of course, if Allstate has been overcharging you hundreds of dollars annually for several years, you do not necessarily win here.

It is highly recommended you obtain insurance quotes online and/or through an independent insurance agent to ensure you are not overpaying for your coverage…regardless of how many bells and whistles are thrown at you.

Allstate is a public corporation. Their highest loyalty is to their stockholders in the form of increased share value.

Don’t let their multi-million dollar advertising budget convince you otherwise.

If Allstate thought for one second this new program would cost them more money that it brought in (in the form of continued sales), it wouldn’t have happened.

It would be nice to see a homeowner’s insurance version of this guarantee, as Allstate has had some legal trouble in more than one state with regard to their practices of late.

Should you buy insurance coverage from Allstate?

Choosing an insurance company is a personal decision that should be based on your own personal needs and budget. While it isn’t recommended that you invest in Allstate coverage solely because of the claim satisfaction guarantee, the company does have some good selling points, including excellent financial strength ratings, competitive rates, discounts and claim free-rewards, and more.

Compare Allstate’s rates to rates from other companies and speak to an insurance agent before making a final decision.

Read more: Allstate Safe Driving Bonus Check Review