In an industry that relies heavily on trust, customer service is a key aspect of the insurance experience. The best companies prioritize personalization and use AI to help customers feel like they’re a priority, not a number.
Allstate offers a variety of ways to pay bills and receive support, including online and mobile tools for account management, live chat and automated payments. It also has a wide range of discounts and signature programs, such as Drivewise, that help drivers save on their premiums. However, Allstate has below-average satisfaction scores for auto insurance shopping and claims handling in 2022 studies by J.D. Power and NerdWallet.
As insurance companies face increasing competition from the digital world, they must innovate to remain competitive and relevant in their markets. Allstate is one company that has taken this to heart and embraced the potential of AI to transform its customer experiences.
A few years ago, the company partnered with New York-based technology company IPsoft to deploy an AI colleague that can be in multiple places at once. Amelia, a market-leading artificial intelligence platform, now assists Allstate call center employees and improves the overall customer experience. By combining machine learning with human input, Amelia can learn as she works and quickly expand her knowledge base with expert help. In addition to improving customer service, Amelia reduces training costs and keeps agents up-to-date with compliance regulations.
When it comes to car insurance, Allstate is known for offering a variety of discounts that can lower your rates significantly. The company’s Drivewise program is a great example of how it uses data to reward safe drivers with savings. Another way to save is by bundling your auto and home insurance policies. Allstate also offers an ePolicy discount for paperless statements and savings by paying your annual premiums in full.
While Allstate’s price is higher than some competitors, it has a strong financial standing. The company’s property-liability combined ratio, which combines the cost of losses with profit margins, was at 97.3% in the first quarter of 2022, well below the 100 mark that indicates a company is unprofitable.
If you’re considering Allstate as your auto insurer, be sure to shop around before making a decision. In general, you’ll find the best deals with smaller insurance companies that aren’t as big as Allstate. In addition, you’ll want to make sure that the company you choose will actually cover your claim if something goes wrong.
If you have a problem with Allstate that isn’t resolved by speaking to an agent, you may be able to file a small claim in your local court. Each state has its own limit on how much you can sue in small claims court, so it’s important to research your local court’s limit before filing a claim. In addition, you’ll need to prove that Allstate did not pay all of your expenses after a crash. Otherwise, you may not get the compensation you deserve for your injuries and property damage. allstate customer service