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.