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Allstate Vehicle Service Contract

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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02/23/2024 06:44 PM

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The Gist:

  • Allstate has three vehicle service contracts to choose from, lasting up to 7 years/100,000 miles.
  • Your vehicle must have less than 50,000 miles on it and be less than four model years old to qualify for Allstate’s vehicle service contracts.
  • It’s wise to shop around with reputable third-party warranty companies to find the best price and coverage.

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.

Endurance
4.5
Reputation: 4.5/5.0
Coverage: 5.0/5.0
Price: 4.5/5.0
Customer Experience: 4.5/5.0
idée Endurance is our first choice for extended warranties
  • Best Plan Offerings
  • Mileage Covered: 200,000 miles on the odometer
  • Free Cancellation: Full refund within 30 days
  • Plan Options: 6 different plans to choose from
  • Longest Plan Term: Up to 8 years
  • Discounts: $300 same-day signup discount, $250 shopping voucher, and others
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

Allstate Extended Warranty Review

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 CategoryOur Rating
Reputation4.5
Coverage3.5
Price4.0
Customer Experience4.0
Overall Score4.0

Allstate Vehicle Service Contracts

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
PowertrainCovers car repairs for the engine, transmission, drive axles, and some additional powertrain-related parts.
Core SystemsCovers your vehicle’s main mechanical and electrical systems, including brakes, steering, suspension, electrical, fuel system, and engine cooling. This plan excludes powertrain components.
Comfort & TechCovers 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.

Allstate Vehicle Service Contract Benefits

Each Allstate vehicle service contract comes with the following perks:

  • Towing coverage up to $100 per occurrence
  • Emergency roadside assistance up to $100 per occurrence
  • Alternate transportation and rental car coverage up to $40 per day for a maximum of seven days while your vehicle is in the shop for a covered repair
  • Trip interruption coverage up to $500 per occurrence for a maximum of three days if your vehicle breaks down more than 100 miles from your home

Additional Allstate Vehicle Protection Products

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 ProtectionCovers 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 DefenseA 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 ProtectionThis 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 ProtectionProvides 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 DeterrentTechnology 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.

Is Allstate Legit?

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.


Allstate Vehicle Service Contract Costs

The cost of your vehicle service contract will depend on a few factors, including:

  • Vehicle make, model, and age: Older, high-mileage, luxury, and less-reliable cars are often more expensive to cover.
  • Contract length: Typically, longer extended warranties cost more than shorter contracts.
  • Coverage level: A comprehensive coverage tier is usually more expensive than a basic plan.

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.


Allstate Vehicle Service Contract Quotes And Claims

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.


Allstate Vehicle Service Contract Reviews

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.


Allstate Vehicle Service Contracts: Our Take

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.

Our Picks For Best Extended Car Warranties

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: Best Plan Offerings 

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:

  • You have six coverage options, extending protection for up to 8 years or 200,000+ miles.
  • You have access to thousands of authorized repair facilities nationwide.
  • The provider offers sample contracts online for added transparency.

Read more: Endurance Warranty Review

CARCHEX: High Mileage Limits 

CARCHEX is another of our go-to providers, especially for drivers with high-mileage vehicles needing reliable coverage. On the Better Business Bureau website, CARCHEX holds an A+ rating. Here are a few highlights of this provider:

Read more: CARCHEX Review


Allstate Vehicle Service Contracts: FAQ

Here are some frequently asked questions about Allstate vehicle service contracts: 

Is there a deductible with an Allstate vehicle service contract?

Yes, Allstate vehicle service contracts require that you pay a deductible when it’s time to use your repair coverage. Allstate offers a $50 deductible if you purchase from the company directly. However, if you purchase your plan through a participating dealership, you may have deductible options ranging from $0 to $200.

What are the benefits of purchasing a vehicle service contract?

A vehicle service contract, also known as an extended warranty, can protect you from paying out of pocket for expensive repair costs in the event of a mechanical breakdown. This coverage typically picks up where your vehicle’s manufacturer warranty left off.

How do I cancel my Allstate vehicle service contract?

You need to contact a customer service representative to cancel your contract. You can cancel it at any time for a prorated refund.


How We Rate Warranty Providers

Our review process aims to deliver consistent and unbiased assessments of extended auto warranty providers. While there are multiple qualities that make a warranty company successful, our review team focuses on those we believe are the most important for consumers:

  • Reputation: It’s important that an extended car warranty company is able to meet its claims obligations. Companies with a strong rating from the Better Business Bureau (BBB) score well in this category. We also evaluate the availability and transparency of each company’s contracts, as well as whether each provider offers a money-back guarantee.
  • Coverage: Our team of experts looks at the number of extended warranty plans available, as well as term limits, exclusions, and added benefits like roadside assistance. Ratings also take into account the availability of maintenance coverage.
  • Price: Cost can be difficult to compare between providers because so many factors impact vehicle service contract pricing. To determine our cost score, we perform a secret shopper analysis for a variety of vehicles and plans and consider available deductibles.
  • Customer Experience: We listen to real customer sales calls and comb through reviews on sites like the BBB to learn about customer experiences. Warranty companies with a low volume of complaints score well in this area. We also consider the availability of mobile apps and chat features.

*Data accurate at time of publication.