Sunday, November 09, 2008

Allstate Your Choice Auto

I have been a customer of Allstate Insurance for several years now. I have auto, life, renters and earthquake through an Agent. I like that I can make payments online, over the phone, through mail or even at the agent's office. In fact he has been to my home to handle the initial Life Insurance application for the policy and this past March came over to get my signature on my new auto policy for the vehicle purchase I made at the dealership that same day.

I received in the mail the other day an invitation to upgrade my auto policy to Your Choice Auto, which will forgive your next car accident. I have never had an accident, but I wanted to learn more about this option without having to call my Agent.

The website lists a platinum package, gold package, standard policy and value package. The Safe Driving Bonus takes up to 5% off your renewal bill every six month of accident-free driving. Accident Forgiveness limits the amount your rates go up just because of an accident, even if it is your fault.

The Deductible Rewards takes $100 off your deductible the day you sign up and earns another $100 for every year that you do not have an accident. This has a cap of $500 total. The Standard Policy offers Accident Forgiveness after five years for eligible customers. I might fit into that category, but I also read that Your Choice Auto just became available in the State of California in October 2008. It looks like I will have to contact my Allstate Agent to get quotes for the upgrade to Your Choice Auto.

I am looking for feedback from anyone who has upgraded to Your Choice Auto or switched to Allstate and now has this policy. They are at www.allstate.com or call 1-800-allstate.

5 comments:

Carissa(GoodnCrazy) said...

I'm no help there, not allstate and not California.

But it does remind me of a story.. can I share...

We lived in NYC and the TV stations showed commercials for various states around us. And the funny geicko commercials would come on you know with the gecko? But the funny thing was that Geicko is not available in NYC or the whole state of NEW Jersey. Somehow that always seemed funny to us to be shown over and over these commercials that didn't apply? Maybe not so funny...?

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Geldpress said...

Everything I read about the new Your Choice says that they are an "upgrade", and more expensive. But in my case, it's actually cheaper. My current policy costs $621 per 6 months for 50/100k coverage and $1000 deductible. All State now wants to offer me the Gold Your Choice with 250/500k of coverage, and the added benefits of Gold Your Choice (accident forgiveness, $100 lower deductible every year, etc). My natural thinking would be that my rate would go UP. But...the rate actually goes DOWN (to only $439) for MORE AND BETTER COVERAGE.

So you would think I would be happy about this - PAY LESS and GET MORE. But I actually am slightly annoyed at All State for only just recently offering the lower prices to me. Does anyone else have a similar experience?

Christopher said...

Bonnie, I have just been offered this Allstate Your Choice Auto plan, I have been with them for 27 years and now they offer me this plan that will be $360 per year cheaper. Something seems fishy. I was wondering if you tried this "new" Your Choice Auto plan and what you think about it?
Thanks, Chris
P.S. I live in Michigan...