Allstate Vehicle Service Contract Review
Allstate vehicle service contracts offer three levels of protection lasting up to 7 years/100,000 miles. Learn if this coverage is right for you.
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Key Points:
- Allstate offers three vehicle service contracts through its Extended Vehicle Care program, which can last up to 7 years/100,000 miles.
- Allstate vehicle service contracts come with perks such as rental car and alternate transportation coverage, trip interruption benefits, and roadside assistance.
- We encourage you to explore your extended warranty options to find the right coverage for your car and budget.
If you want to keep driving your car after your manufacturer’s warranty expires, an extended warranty (or vehicle service contract) can protect you from high repair costs. You’re likely familiar with Allstate’s auto insurance, but the company also offers an Extended Vehicle Care program.
Below, we explain Allstate Vehicle Service Contract coverage, costs, and more. We will also compare it with leading providers like Endurance, which is rated highly in our recent review of the best car warranty companies.
An extended car warranty refers to mechanical breakdown coverage offered by a vehicle manufacturer. However, this term is often mistakenly used to describe coverage from third-party companies. Independent providers offer similar protection through vehicle service contracts, but we’ve used the terms interchangeably in this article for convenience.
Our Allstate Vehicle Service Contract Review
According to the National Association of Insurance Commissioners (NAIC), Allstate is one of the largest auto insurers in the nation, holding over 10 percent of the market share. While it’s widely known as a reputable car insurance provider, we feel that its vehicle service contracts leave something to be desired.
Allstate Extended Vehicle Care is available online or through select dealerships. We like how Allstate customers can get low rates on the company’s long-term protection plans. However, there are only three plans to choose from, and the company does not sell its extended vehicle products in California and Massachusetts.
See the table below for a breakdown of our overall rating for Allstate’s vehicle service contracts.
| Overall Rating | 4.0/5.0 |
|---|---|
| Reliability | 4.7 |
| Coverage Plans | 3.7 |
| Pricing | 3.9 |
| Transparency | 4.7 |
| Customer Service | 3.8 |
Allstate Vehicle Service Contract Customer Reviews
Since Allstate is primarily an insurance provider, it’s easy to find reviews for its insurance services and tougher to find reviews for its vehicle service contracts. In general, those who post positive reviews of Allstate’s Extended Vehicle Care are longtime policyholders. Negative reviews typically focus on a slow claims process or certain repairs not being covered. Of course, it’s always important to study your service contract carefully to understand your specific coverage.
About Allstate
Allstate Insurance company has been in business for over 90 years. Headquartered in Northbrook, Illinois, it offers auto, home, renters, condo, motorcycle, life insurance, and more to consumers. Allstate states that with them, “you’re in good hands.”
Allstate vehicle service contracts aren’t administered by the insurance giant–the company uses Pablo Creek Services, Inc. to administer the contracts and First Colonial Insurance Company to insure them. While they aren’t Allstate, both companies are within the Allstate family of companies.
Allstate Vehicle Service Contract Coverage Plans
Allstate Extended Vehicle Care plans are designed to stretch basic limited and powertrain warranty plans, giving you up to seven years and 100,000 miles of protection. There are three customizable levels of coverage: Powertrain, Core Systems, and Comfort & Tech.
Every Allstate vehicle service contract comes with various perks, which we’ll detail in the sections below. You can also choose from additional protection plans that cover tires and wheels, paint and fabrics, and more. However, note that these coverage options can vary by dealership, state, and lender.
Allstate Vehicle Service Contracts
Here’s a breakdown of each type of Allstate Extended Vehicle Care plan:
| Allstate Extended Vehicle Care Plan | Details |
|---|---|
| Powertrain | Provides coverage for components related to the engine, transmission, drive axles–parts that keep your car in motion. |
| Core Systems | This protects your vehicle’s main mechanical and electrical systems, including the alternator, brakes, steering, suspension, fuel system, and engine cooling. Note that with this plan, powertrain components aren’t covered. |
| Comfort & Tech | Comfort features like air conditioning and heating systems, technology such as cruise control, power windows, and blind spot warning systems are covered. |
Allstate notes that additional plans may be available at a dealership, and deductibles may range from $0 to $200 depending on your choice of protection.
Allstate Vehicle Service Contract Perks
Every Allstate Extended Vehicle Care plan comes with the following benefits:
- Rental car and alternate transportation coverage
- Trip interruption benefits (up to $500)
- Roadside assistance
- Towing benefits
Allstate Vehicle Service Contract Exclusions
Like other extended warranties, Allstate Extended Vehicle Care plans don’t cover car repairs for damage from accidents, wear and tear items like brake pads, or parts that fail due to lack of routine maintenance. Damage incurred from unauthorized repairs also isn’t covered. Allstate’s vehicle service contracts are designed to cover specified components against mechanical breakdowns that occur through normal use.
Additional Allstate Vehicle Protection Products
There are several other protection plans providing repair coverage that are available through Allstate. You’ll need to check with your dealership or Allstate representative to make sure they’re available in your area. See more details in the table below.
| Allstate Vehicle Protection Plan | Details |
|---|---|
| Tire And Wheel Protection | Tire and wheel replacements are covered if damage is caused by a road hazard. This also covers the costs of valve stems, tire pressure sensors, and the disposal of a broken wheel or damaged tire. |
| Paint And Fabric Defense | Protection is applied to your used or new car’s paint, fabric, leather, vinyl, and carpet to keep it safe from stains, damage, and the like. |
| Complete Protection | A combination protection package aimed at providing comprehensive coverage, this includes key fob protection, ding and dent protection, windshield and tire repairs, roadside services, and more. Coverage depends on the coverage tier you choose–Platinum, Gold, or Silver. |
| Guaranteed Asset Protection | Guaranteed Asset Protection–also known as GAP–pays the difference between an insurance settlement and what you owe on your vehicle in the event of a total loss. |
| Excessive Wear And Tear | This provides up to $5,000 of coverage if, at the end of your lease, you’re charged for damages such as exterior dings, scratches, chips, interior stains, and more. |
| Theft Deterrent | This makes your vehicle harder to steal but easier to recover in the event of a theft. If your car is stolen under this protection and not recovered within 30 days, Allstate will provide you with up to $5,000 in compensation. |
Allstate Vehicle Service Contract Costs
It’s tough to get a read on the cost of Allstate’s vehicle service contracts because they’re sold at select dealerships and costs aren’t advertised online. Prices vary according to your vehicle type and mileage, the coverage level you choose, and the various deductible options you might have (Allstate policyholders are locked into a $50 deductible).
To give you an idea of what the average extended warranty costs, we’ve gathered quotes from the top-rated providers in our industry-wide review. According to our research, average car warranty costs $977 per year of coverage. Of course, this cost varies by level of coverage. See the table below for a breakdown by plan type.
| Extended Warranty Type | Yearly Coverage Costs |
|---|---|
| Exclusionary | $1,005 |
| Mid-Level | $937 |
| Powertrain | $953 |
Allstate Vehicle Service Contracts: Our Take
Allstate is an established company with decades of experience and different coverage options. However, Allstate doesn’t sell vehicle service contracts in California or Massachusetts. If you live in these states, you will have to buy your extended warranty coverage from another company.
Also, Allstate sells service contracts only to existing customers or through select dealerships. This rules out many people who are looking to buy coverage independent of a dealer and aren’t current customers. We suggest exploring your options before settling on an extended warranty plan. This way, you’ll find the right coverage that suits your needs.
Our Extended Car Warranty Recommendations
If you decide to explore third-party extended car warranty providers, we suggest that you compare quotes from multiple companies. We recommend that you include Endurance and CarShield, two of our highest-rated providers, in your search.
Endurance: 4.6 Stars
We give Endurance our Best Overall award and rate it first among all independent warranty companies. Unlike its competitors, Endurance is a direct provider of extended warranties. That means it handles claims in-house rather than going through administrators, which in turn, means less hassle for you.
Endurance offers six levels of coverage that can protect cars with up to 200,000 plus miles. We also like that Endurance offers six coverage options and a free year of Endurance Elite benefits including tire repair, key fob replacement, and total loss protection with every plan.
CarShield: 4.4 Stars
CarShield is known for offering higher mileage limits with its coverage plans, making it an ideal choice for a used car warranty. It also offers flexible payment plans, which is why we gave it our Best Monthly Payments award.
Additionally, the company covers electric vehicles, high-tech cars, luxury vehicles, and motorcycles and ATVs. Perks that come with CarShield plans include 24/7 roadside assistance, towing, rental car reimbursement, and your choice of any ASE-Certified® repair facility for covered repairs.
Allstate Vehicle Service Contract Reviews: FAQ
Below are some commonly asked questions about Allstate vehicle service contracts.
What are the benefits of vehicle service contracts?
Vehicle service contracts can cover expensive repair costs and give you extra peace of mind. With a good vehicle service contract, you don’t have to worry about breakdowns that occur through normal use. Most plans include benefits like rental car reimbursement and roadside assistance to make life easier in the aftermath of a covered breakdown.
Is Allstate auto warranty worth it?
Allstate’s Extended Vehicle Care plans can be worth it if you’re concerned about your car breaking down once its factory warranty ends. If you’re at all worried about your vehicle’s reliability or paying for unexpected car repairs, it’s worth exploring Allstate coverage options.
Can I cancel my Allstate extended warranty?
According to the Allstate Extended Vehicle Care website, you can cancel your plan at any time. You’ll be refunded the pro-rated remaining amount of the plan cost as well.
How We Rate Car Warranty Companies
Our review team extensively researches extended car warranty providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: Warranty providers that earn strong ratings from the Better Business Bureau (BBB), work with reliable partners and administrators, and have a long history in the warranty industry score well in this category.
- Coverage Plans: We take a close look at the coverage plans available through each provider, including how many are offered, maximum term limits, plan exclusions, and more. We also evaluate the added benefits companies include with their warranty plans, such as roadside assistance and trip interruption benefits.
- Pricing: Our team performs a secret shopper analysis for a variety of vehicles and coverage plans to get a sense of a provider’s average costs. We see how each company’s pricing, deductible options, and discount opportunities compare to competitors when determining this score.
- Transparency: We evaluate the availability and transparency of each company’s contracts, as well as whether each provider offers a money-back guarantee.
- Customer Experience: We consider customer reviews and complaints from sites like the BBB and Trustpilot. Our team also reaches out to customer service reps during our secret shopper analysis to get a sense of the customer experience with each company.
