Products and Services

Innovation is in Allstate’s DNA. As a young company almost 80 years ago, we were one of the first to give better rates to safe drivers. In the 1950s we opened our first drive-in claim office, revolutionizing the way auto damage claims were handled.

The Allstate Motor Club was the first national service of its kind. More recently, Your Choice Auto^® products allow customers to select options that best fit their needs, including features such as accident forgiveness and deductible rewards.

In 2010, we continued this tradition by launching several new products. GoodForLife^SM combines life insurance with critical illness and severe accident benefits. Good Hands^SM Roadside Assistance is the first-ever free-to-join roadside assistance program. In addition, two new concepts, Drive Wise^SM and the Allstate Claim Satisfaction Guarantee^SM, are currently being tested in various markets.

All told, we offer 13 major lines of insurance, including auto, property, life and commercial. Auto and property policies cover cars and trucks, motorcycles, recreational vehicles, snowmobiles and ATVs, as well as homes, condominiums and apartment contents. All policies can be tailored to fit the needs and budgets of different customers.

We also offer a wide range of insurance and financial services to individuals and businesses in the United States and Canada. These include mutual funds, IRAs, college savings plans and supplemental health insurance.

Allstate also helps businesses manage a wide variety of risks, including:

In-depth risk assessment and commercial liability planning
Loss-control evaluations
Auto safety
Accident investigations
Self-inspection procedures
Safety training
Fire protection and safety
Hazard control methods
Safety and health rules and regulations that apply to particular businesses

Allstate Bank, a division of Allstate Financial, began providing banking services including checking and savings accounts, Certificates of Deposit, mortgages and home equity loans and lines of credit in 2001. In early 2011, Allstate Financial announced its strategic decision to exit bank activities and that it would no longer originate banking products or services. Allstate Financial has refocused on insurance, retirement and investment products as part of Allstate's strategy to help Americans save for their financial futures.

Sterling Autobody Centers, an Allstate wholly owned subsidiary, is a leading provider of auto body repair services. Sterling operates more than 60 auto body repair shops in 16 states across the United States, offering state-of-the-art facilities and highly trained staff. Sterling provides both Allstate and non-Allstate customers with fast, cost effective, guaranteed quality repairs.

Making products available to customers in a diverse and ever-changing market means offering them a variety of ways to do business with us, how and when they want to.

Customers can get information through Allstate agencies, online 24/7 at allstate.com or by calling 1-800 Allstate^®.

Auto, property and life insurance, supplemental accident and health insurance, annuity, and retirement products designed for individual, institutional and worksite customers are distributed through Allstate agencies and independent agencies. Encompass^® Insurance brand property and casualty products are sold exclusively through independent agents.

Our prices are competitive across the country and within different customer groups. A basic principle of insurance is that higher risks pay more and lower risks pay less, so we take various factors into account when setting rates. With auto insurance, for example, driving record is one example. We also consider the type of vehicle being insured, how much it's driven, and other factors. In addition, in recent years the insurance industry has developed increasingly sophisticated pricing systems that take into account information from a customer's credit history. Using this tool, we are often able to lower premiums for customers who might otherwise pay more. Allstate's pricing model does not consider ethnicity, race, nationality or income.

Insurance is about spreading and balancing risk appropriately. Applying these concepts to customers in high-risk areas more prone to natural disasters, as well as customers in other communities, continues to concern consumers, regulators and companies. To uphold our commitment to customers while responsibly managing overall risk, we maintain two business units within Allstate: Ivantage and North Light Specialty Insurance. Ivantage supports Allstate agencies by providing access to personal lines products from a network of carriers and wholesalers in places where Allstate products are not available. Allstate is committed to homeowner insurance coverage in higher-risk areas and through North Light combines quality insurance from a well-known and established insurance group, with the efficiency and high quality service of Allstate's claims service centers.