are all allstate auto insurance agents the same?

Question

i've had allstate auto insurance for the 8 years with the same agent... with an unemblemished record and no new cars, why does my premium keep going up?

if i go to a different allstate agent, will that make any difference whatsoever?

Answer 1

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.

Answer 2

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Answer 3

That is not true Fred C. Allstate agents have discretion to markup the base rate on the customer if they choose. Try calling 3 different Allstate agents and you will get 3 different rates.
Capt. Ron

Answer 4

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.

Answer 5

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.

Answer 6

I can't answer if all allstate insurance agents are the same, but as far as following the policy of the allstate company, you probably know better than I the answer to that. One piece of information that you may feel is relavent is the website www.allstateinsurencesucks.com, check it out and see if anything there represents anything familiar to you. Shop around for insurance, as a previous answer had it, Geico is a good company. Do not just let this go, save yourself some money and see what's out there.

Answer 7

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.

Answer 8

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.

Answer 9

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.

Answer 10

NY Allstate agency owners do NOT receive free insurance, but they do receive an employee discount.