Allstate, one of the largest insurers in the nation, offers vehicle service contracts that can help pay for major car repairs.
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Most drivers know Allstate ® as a car insurance provider. What they might not know, however, is the insurer also offers vehicle service contracts for drivers looking to save money on car repairs after a mechanical breakdown.
A vehicle service contract is an extended car warranty that covers repairs after your vehicle’s factory warranty expires. In this article, we’ll discuss the Allstate vehicle service contract in-depth, including coverage options, costs, and the claims process. We’ll also give our expert opinion on the quality of Allstate’s contracts and alternative options available to you.
Our review team has researched the best extended car warranty providers on the market. Before purchasing an extended coverage plan, it’s best to reach out to multiple companies and compare quotes.
Reputation: 4.5/5.0 Coverage: 5.0/5.0 Price: 4.5/5.0 Customer Experience: 4.5/5.0
Endurance is our first choice for extended warranties
Quick Facts Plan Coverage and Perks| Plan coverage includes | Endurance Elite perks™ |
|---|---|
| Exclusionary plan | One-year membership for free |
| Powertrain plan | Tire repair and replacement |
| Maintenance coverage with Endurance Advantage | Key fob replacement |
| Roadside assistance | Total loss protection |
| Towing | Collision discount |
| Rental car | $250 rewards voucher |
| Trip interruption coverage | Endurance Protect app |
Our review team has spent hundreds of hours researching car warranty companies to help consumers choose the best coverage for their vehicles. Writers and editors evaluate each brand based on industry data and real customers’ experiences, meeting high editorial standards to keep readers informed.
In our study of the best extended car warranty providers, we awarded Allstate 4.0 out of 5.0 stars based on company reputation, coverage options, price, and customer experience.
We like that Allstate vehicle service contracts are transferable and are backed and administered by Allstate family companies. However, plans aren’t available in California or Massachusetts, and vehicle eligibility is strict. See the table below for how Allstate scored in each of the categories in our comprehensive review.
| Rating Category | Our Rating |
|---|---|
| Reputation | 4.5 |
| Coverage | 3.5 |
| Price | 4.0 |
| Customer Experience | 4.0 |
| Overall Score | 4.0 |
Allstate Extended Vehicle Care plans offer three types of vehicle service contract coverage. These contracts begin when your manufacturer’s warranty ends, and can provide protection for up to 7 years/100,000 miles depending on your plan.
Allstate protection products include Powertrain, Core Systems, and Comfort & Tech vehicle service contracts.
After purchase, customers are only responsible for a $50 deductible and the Allstate vehicle service contract foots the bill for parts and labor for covered component repairs. In addition, you can add tire and wheel protection to your contract for an extra cost.
See the table below for an overview of each Allstate extended warranty option.
| Allstate Vehicle Service Contract | What It Covers |
|---|---|
| Powertrain | Covers car repairs for the engine, transmission, drive axles, and some additional powertrain-related parts. |
| Core Systems | Covers your vehicle’s main mechanical and electrical systems, including brakes, steering, suspension, electrical, fuel system, and engine cooling. This plan excludes powertrain components. |
| Comfort & Tech | Covers comfort features such as the air conditioning and heating systems, convenience technology like cruise control, keyless entry, and power windows, and safety tech components like blind-spot warning systems. |
Note that your Allstate contract will only cover and provide reimbursement for mechanical failures. It will not cover damage resulting from collisions, misuse, improper maintenance, or normal wear and tear. In addition, contracts are only available for cars under four years old that have fewer than 50,000 miles on the odometer, and are still covered under the original factory warranty.
If you’re unhappy with your Allstate warranty, you can cancel it at any time for a prorated refund. As for transferability, Allstate encourages contract holders to contact a specialist if they’re selling their vehicle and want to transfer their coverage to the new owner.
Each Allstate vehicle service contract comes with the following perks:
Allstate also offers a few other auto protection plans to cover specific components of your vehicle. See the table below for details on each.
| Allstate Vehicle Protection Product | What It Covers |
|---|---|
| Tire and Wheel Protection | Covers tire and wheel repair or replacement in addition to the costs of mounting and balancing your new tire. Also covers the costs of valve stems, tire pressure sensors, and disposal of an old tire or wheel. There is no claim frequency limit and no deductible. |
| Paint and Fabric Defense | A protective product is applied to the paint, fabric, leather, vinyl, and carpet in your vehicle to prevent damage, stains, and more. This coverage must be bought at the time of a new vehicle purchase and is unavailable for a used car. |
| Complete Protection | This package combines key fob protection, ding and dent and windshield repairs, roadside assistance, tire and wheel protection, and more. Services and coverage varies by the level of coverage you choose, as there is a Platinum, Gold, and Silver plan. |
| Guaranteed Asset Protection (GAP) | Helps cover what you owe on your car’s loan or lease if it’s deemed a total loss before you pay it off. Also includes up to $1,000 to cover your auto insurance deductible, if applicable. GAP coverage must be added at the time of new or used vehicle financing. |
| Excess Wear and Tear Protection | Provides up to $5,000 of coverage for lease end charges associated with damage such as exterior dings, scratches, and chips, as well as interior tears, stains, and more. |
| Theft Deterrent | Technology to deter thieves is installed into your vehicle, making it more difficult to steal and easier to recover in the event of theft. In addition, Allstate will compensate you with up to $5,000 if your car is stolen and not recovered within 30 days. |
It’s good to note that some of these protection plans are only available in certain states, so check with an Allstate representative on options available in your area.
Headquartered in Northbrook, Ill. Allstate has been in business for almost 90 years. While well known for its insurance policies, Allstate also offers customers vehicle service contracts. The insurer’s vehicle service contracts are administered by Pablo Creek Services, Inc., and insured by First Colonial Insurance Company, both of which are in the Allstate family of companies.
The cost of your vehicle service contract will depend on a few factors, including:
Your deductible will factor into your overall monthly Allstate vehicle service contract payment. Allstate only offers a $50 deductible when purchasing a plan directly through the company. However, if you purchase your plan through a dealership, you may have your choice of deductible ranging from $0 to $200.
You can use the provider’s online quote tool to get estimated pricing for an Allstate vehicle service contract. You’ll need to input your vehicle identification number (VIN), state, and current vehicle mileage.
To file a claim for car repairs with Allstate, you can call a service representative who can direct you to a nearby repair center and provide you with towing if needed. When you arrive at the authorized facility, you must provide the first page of your Allstate vehicle service contract and ask the repair shop to contact Allstate. All covered repairs will be handled by Allstate directly. In addition, Allstate has bilingual claims representatives.
Customer reviews can give you a better idea of whether an extended car warranty company is reputable. Because Allstate predominantly sells insurance, it can be difficult to find reviews of its vehicle service contracts.
From what we could gather about Allstate extended car warranties, some customers believe their vehicle protection plans aren’t worth the hassle and report unsatisfactory customer service experiences. Others have been loyal Allstate customers for years and have nothing bad to say about the company.
Use customer reviews as one piece of information while shopping for an extended car warranty. Often, customers are inclined to review a company if they’ve hadnegative experiences.
Our review team considers the Allstate vehicle service contract an average extended warranty option. For drivers who already have Allstate insurance and are satisfied with their services, it can’t hurt to reach out to Allstate for a quote.
However, if you decide to go the third-party route, you’ll likely be able to find more coverage options, better benefits, and more substantial customer reviews with one of the industry’s most reputable and best extended car warranty companies.
When purchasing an extended warranty, getting multiple quotes is always a good idea. That way, you can compare Allstate vehicle service contracts with other options and decide which will be best for your needs and budget. We recommend drivers check out Endurance and CARCHEX, two leading providers that scored the high in our industry-wide review.
Endurance performs well across the board. We gave it a rating of 4.5 or higher in every review category, including industry reputation, coverage options, and affordability. Here are a few reasons we recommend getting a quote from Endurance:
