Are all allstate auto insurance agents the same?

Fred C

Agents do not set the rates, the company does. If you go to a different Allstate agent, he will be using the same rate book. To deal with him, you will have to sign a broker letter of intent so he can take over your account with permission from Allstate, but, unless his office is closer to you, your existing agent gives you poor service, or you know him and want to deal with him, changing may not be worth it. When you get your renewal, check with a broker who deals with some other companies. Either he will find you a better rate, or you will find you are not so bad off after all, and the quotes are at no charge.

bundysmom

Your agent doesn't define your rates, but your agent can tell you why your rates are rising. Switching agents won't matter.

Having worked for Allstate, the rates only go up if your risk changes, accident/tickets or not. They tend to go down as long as your risk hasn't changed.

Also, if a particular vehicle you own has a change in the cost of repairs this can affect your rates. For example, if the cost to repair Honda Accords goes up nationwide, this will reflect in your premium and you didn't do anything wrong other than own a Honda Accord.

So once again, ask your agent why. they can tell you.

The agents don't determine your premiums, the company does. I was a customer of Allstate until I got completely fed up with them. I do not consider them a good company at all.

529s.com

Allstate recently came out with a new line of auto insurance. You should ask your agent for a conversion quote. Changing agents will not change your rate, but changing to the new plan could lower your rates if you have good credit.

oklatom

You'll have a different agent to look at. Otherwise not much will change.

Why does it go up every year? Because it can.

Gasoline was 23 cents a gallon when I started driving.
A phone call was 5 cents.
Loaf of bread was 3 cents.
A Pepsi (12 full ounces, that's a lot) was 5 cents.

Find an independent agent not tied to any particular company, and see if you can save money by switching.

Roger N

Allstate sux...
I had a theft and then shortly after an engine fire that totaled a vehicle. That made me "high risk". Even when I bought a newer, safer vehicle, I couldn't get the best rate because of the "high risk" rating. I suppose they think I stole my own stuff and started the fire myself.
I dumped them before they could bump my rates. I went with Geico and got better coverage for cheaper than Allstate's best.

TheGeneral

All State has a bad name now, denying hurricane Katrina people money for there houses that were ruined. Maybe thats how they are paying for it , robbing you to pay for all the lawsuits they are going to face.

rob1963man

All State agencies can be franchised. Call another one and ask them if this is the case with them. That MAY make a difference.

Why does it go up? Cost of living goes up, salaries stay the same. It's the American way!

doughboy1536

Yes

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