What are some benefits of Allstate insurance?

Allstate offers competitive prices and even rebates for individuals that meet certain criteria, like safe drivers and good students. However, consumer-review website My 3 Cents gives Allstate an average rating of about 1.5 out of 5. One 1-star review simply states "They do not pay when you have a loss." Thus, Allstate may be cheaper than other insurance agencies for those that do not need them, but they may not be especially helpful for those that do.