The Allstate Motor Club, affiliated with Allstate Insurance Company, is celebrating its 50th anniversary with a television based marketing push. Established in 1961, the Allstate Motor Club was the original national motor club offering roadside assistance.
I know what you’re thinking…we’ve got it backwards, and mean to say AAA! Rest assured, we’ve done the research and mean to say Allstate Motor Club. Sounds like AAA Motor Club got the jump from an advertising standpoint, as the Allstate Motor Club, with over 1,000,000 members, is not widely recognized. Thus the television ad campaign!
What’s the Deal?
How is “Allstate Roadside Assistance,” provided by the Allstate Motor Club, different than other roadside assistance programs? Long story short; it’s not.
It is, however, a comprehensive program, which offers a few distinct membership plans that allow their insured (and non-Allstate customers alike) the flexibility to choose what level of travel protection they need.
All of the plans have similar coverage available, just higher “limits” of coverage the more you go up the chain.
When you get to the Platinum Elite Plan, the ante is upped by adding Personal Assist 24/7 Concierge, My AutoExpert™ (repair and referral services), and the Road Hazard Program (payment for a flat or replacement tire).
Here is the bread-and-butter service of the program:
– 24 hour emergency services – lock out, tow, flat tire and gas delivery
– Roadside assistance – although listed separately from “24 hour emergency service,” further review demonstrates this element of the program is the same item, just listed separately by program to show the value of the coverage (from $50 up to unlimited coverage)
– Arrest bond certificate – Hopefully you won’t need this. Let’s just leave it at that.
– Trip interruption – certain expenses (meals, lodging) paid as a result of an accident, or disablement on more expensive plans, when you are over 100 miles from your home
– CARFAX® reporting at a discounted rate – From $25 off retail cost to free, depending on which plan you choose.
There are five plans, four designed for cars and one for RVs (2011 prices):
– RV Road Help Plan – $99.95 per year
– Road Security Plan – $48.00 per year
– Roadside Advantage Plan – $52.00 per year
– Deluxe Plan – $108.00 per year
– Platinum Elite Plan – $174.00 per year
What Else Do I Get?
The Allstate Motor Club has partnered with some travel and retail shopping partners to offer discounted services and products. One has to become a member to get the exact details of the companies and discounts, but “up to 50%” in discounts are touted on the website for the following retail & entertainment categories (think Diners Club):
– Automotive, dining, health & beauty, movies, recreation, services and shopping
As if that weren’t enough, you can also book travel, rent a car, and reserve lodging using software on their website.
Additionally, Allstate Motor Club offers assistance with researching and purchasing a vehicle should you need it (if you opt for the higher end package). They refer to this as their “Allstate car buying service” in commercials.
They claim that their “hassle-free” service offers members the chance to save thousands off the manufacturer’s suggested retail price of a new vehicle. And that Allstate Motor Club members gain access to an exclusive network of Certified Dealers. Spoiler alert. They just send you through TrueCar, which may or may not save you money depending on who you talk to.
If you are the type of person who says, “I don’t care what it costs, I’d rather be worry free on the road than worry about money,” Allstate Roadside Assistance may be for you.
At the end of the day, all the roadside assistance services tied to this program are readily available from most other car insurance companies, so nothing too earth shattering there.
On top of that, all the additional services offered (at additional expense) are available for free by utilizing the internet, i.e. researching/booking flights and rental cars as well as finding discounted services and auto finance calculators.
Many of the services are also offered by certain credit card companies for free as part of their card member agreements. Be sure to check with your credit card company before giving away your money.
Sticking with a basic roadside assistance program might be the best option for most motorists.
Let roadside assistance be roadside assistance. All of the bells and whistles of the program add more to your tab, but can be obtained for free with equal or slightly more effort using a smartphone (iPhone insurance).
Be sure to check with an independent insurance agent to ensure you receive the best deal on both your auto insurance and roadside assistance coverage.