Allstate agents are small business owners who live and work in your community. But, scammers called "ghost brokers" may pose as Allstate agents to sell bogus insurance policies. This is a type of insurance fraud that can put you and your finances at risk. Understanding how Allstate agents sell insurance policies and do business may help you avoid getting scammed.

An Allstate agent does:

Have an office with a physical address
Have a phone number that's easy to find via search engines or public listings
Have a license to sell insurance (when in doubt, contact your state insurance department)
Accept various forms of payment, including credit cards

An Allstate agent does not:

Pressure you for same-day sales or threaten that premiums will go up if you delay
Advertise "cheap" insurance rates that are significantly lower than competitors' rates (Remember: If the rate seems too good to be true, it probably is.)
Demand cash-only payments
Close insurance sales via social media or messaging apps
Force you to fill out a paper application

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