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Monday, January 25th
Allstate is one of the most recognized providers in the auto insurance market, and it's no surprise that their Motor Club roadside assistance plans are thorough, reputable, and widely available. Allstate offers three levels of service: $52/year for a Basic plan, $108/year for the mid-range Deluxe plan, and $186/year for the Platinum Elite plan. Unlike another well-known provider, Allstate's premiums are the same nationwide and do not depend on one's ZIP code.
While each plan only includes two household members, Allstate generously covers teen drivers ages 16-18 in the same household with Emergency Roadside Assistance at no extra cost. For drivers ages 16-23 who want full membership benefits, they can be covered at $24/year per person. All plans cover members in any vehicle: their own, a rental, or even as a passenger with a friend. These two aspects of the Motor Club should get the attention of families with teenagers.
Allstate's coverage is similar to the majority of roadside assistance companies: all plans include lockout service, fuel delivery, road and tow service, trip interruption up to $750, $500 arrest bond, $100 roadside assistance benefit, plus member-only discounts on travel, shopping, and more. Unlike other providers, Allstate does not limit towing by mileage but rather by the cost of the service: $100 with the Basic plan, $150 with Deluxe, and $250 with Platinum Elite, all per occurrence. Even in more expensive locations like California, where towing can cost as much as $10 per mile, this still provides more coverage than those companies who limit towing reimbursement to the first five miles.
Allstate definitely tries to meet the needs of every possible customer; there is coverage available for RV users, for example, and for those who prefer access to service discounts without the commitment of a yearly membership, their Good Hands Rescue option is pay-per-use.
All plans come with an on-time service guarantee: members receive help within 30 minutes or Allstate will give them a 25% discount on next year's dues
Allstate Motor Club also has a 30-day money-back guarantee, refunding dues within the first month. If members wish to cancel a new or renewed membership past the initial 30 days, Allstate will reimburse membership fees prorated from the start of the membership plan.
Our only less-than-positive impression of Allstate's Motor Club is in regards to the number of covered calls per membership year. While it was difficult to find the information on the site, a call to the toll-free customer service number revealed that coverage is limited by service level: Basic includes 3 calls, Deluxe includes 4 calls, and Platinum Elite has no limit but usage is monitored. While Allstate's Basic plan is affordable and attractive for larger families, only three covered service calls in a year might not offer enough coverage; however, with the unlimited calls promised with the Platinum Elite membership, it may be worth the extra cost per year.
Overall, Allstate Motor Club is an excellent choice for roadside assistance coverage.
Whether on a cross-country road trip or a quick errand across town, it's never a good time for a vehicle to break down. With a Roadside Assistance plan, drivers have protection against the inconvenience and danger of being stranded by the side of the road and can trust that help will be on the way.
While motor clubs used to be the only way to access these protection plans, today there is a wide range of Roadside Assistance plans from which to choose, from credit card providers to insurance companies. Plans can include flat-tire changing, fuel or coolant delivery, help with stuck vehicles, and some even offer financial help with legal defense in the event of a speeding ticket!
Some plans also tie the coverage to specific vehicles, while others allow the covered member (and often the other drivers in the household) to receive roadside service regardless of the vehicle. The latter can be particularly useful if a covered member is riding in a car belonging to another driver when a breakdown occurs, as the coverage will be extended to servicing that vehicle.
If you're shopping for a reputable provider of Roadside Assistance, you should consider the following.
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