Allstate Car Insurance Canada Review

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Founded in Illinois in 1931, Allstate Insurance is the largest publicly traded property and casualty insurer in America. Not long after its debut, in 1953, Allstate expanded into Canada, with their headquarters located in Markham, Ontario. Allstate auto insurance is available to drivers that live in Alberta, Ontario, Quebec, New Brunswick and Nova Scotia.

What kind of insurance does Allstate offer?

Standard Allstate car insurance policies include third party liability and accident benefits, which are the minimum insurance requirements by law.

Third-party liability

Third-party liability covers you in the event that you’re at fault in an accident that results in another person’s injury or death. Third-party liability will also protect you against legal claims should you cause damage to another person’s property with your car. In all Canadian provinces, it’s mandatory to have a minimum of $200,000 in third-party liability.

Accident benefits

Accident benefits are in place to protect you from paying out of pocket to cover the cost of medical and other related expenses after a car accident. For example, accident benefits will cover attendant care expenses, loss of income, funeral expenses, and more. Accident benefits aren’t mandatory in Quebec as they’re already provided to all residents by the Société de l’assurance automobile du Québec (SAAQ).

Does Allstate offer optional car insurance?

When it comes to purchasing auto insurance, many drivers choose to opt for additional coverage for enhanced protection and peace of mind. Allstate offers their customers the following options:

Collision coverage

As the name suggests, collision coverage will protect you when you’re involved in a collision with another car or object. Whether you’re in an accident with another vehicle or collide with an object, the cost of repairs will be covered. Keeping depreciation in mind, collision coverage will cover your repairs up to the value of the car, less the deductible.

Comprehensive coverage

Comprehensive coverage comes in when your vehicle has been damaged from events other than a collision. For example, comprehensive coverage will cover fire, wind, vandalism and theft.

Specified perils

With specified perils, you can add coverage for specific risks.

All perils

In this case, Allstate combines collision and comprehensive coverage.

Loss-of-use

Those who purchase loss-of-use coverage will be reimbursed for other means of transportation should they be without a car (whether it’s being repaired or replaced). This is only applicable if the damage is covered by collision coverage, comprehensive coverage or one of their specified perils. This can cover the cost of taking taxis, public transportation or a rental car. 

Damage to non-owned vehicles

Allstate provides protection for when you cause damage to a vehicle other than your own, whether it be a rental car or friends/family.

Waiver of Depreciation

If your vehicle is under four years old and you’re in an accident or your vehicle is damaged due to an insured risk, Allstate won’t consider depreciation when compensating you for the cost of a new car.

Claim forgiveness

With claims forgiveness, you can file a claim without worrying about your premium increasing.

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Is Allstate good insurance?

There are several reasons why Canadians continue to choose Allstate for their auto insurance. With over 1,700 insurance agents and employees across the country, Allstate provides excellent service to Canadians in Ontario, Quebec, Nova Scotia, New Brunswick and Alberta. Also, with Allstate’s Good Hands Network, policyholders are guaranteed that they will be able to contact a broker or claims agent at any time, whether online, on the phone, or in person.

Can you get discounts on Allstate car insurance?

There are many ways that drivers can save money on an Allstate car insurance policy.

Drivewise®: When drivers in Ontario and Alberta sign up for Allstate’s Drivewise program, they can save up to 30% on their auto insurance. All you need to do is install a wireless device in your vehicle that tracks your driving habits, and you will be rewarded with discounts at renewal. Drivers also get a 5% discount just by downloading the app and enrolment in the program guarantees that your premium won’t increase.

Winter Tires: Every customer that installs winter tires is eligible for a decreased rate.

Anti-Theft Device: Allstate gives drivers reduced rates when they lower their risk level with the installation of an approved anti-theft device. 

Student Discount: In Ontario and Alberta, students under 25 with a good academic record can take advantage of discounted car insurance rates.

Multi-Vehicle: You will get a discount if you have multiple vehicles and insure them all with Allstate.

Take Two Advantage: If you bundle your home and car insurance policies, Allstate will offer you a discount on both.

These are just a few of the ways that Allstate Canada can help you save money on insurance. If you aren’t sure which discounts you’re eligible for, be sure to ask! 

Does Allstate Canada offer other types of insurance?

Yes, as America’s largest publicly traded property and casualty insurance provider in America, there are several types of insurance available to customers, including motorcycle insurance, home and renters insurance, health insurance, and more. It’s a good idea to include accident and health insurance with your Allstate car insurance policy. This way, if you’re involved in an accident (at-fault or not), you will have extra coverage for any bodily harm involved. Allstate also provides Canadians with life insurance, retirement insurance, and even investment insurance. Regardless of your insurance needs, Allstate has you covered.

At Complete Car, we make getting car insurance easy. We will sort through the top insurance companies in Canada and find you the car insurance suited for your individual needs with a quick insurance quote from Allstate today.

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