Compare Allstate vs. Titan Insurance

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Allstate and Titan are both big companies in the auto insurance industry. Allstate was founded in 1931, and Titan was found a few years earlier in 1926. Since Titan is a subsidiary of Nationwide Insurance, it also possesses the high financial strength and J.D. Power ratings of its parent company. Both companies have a wide selection of auto discounts, and rank quite equally in terms of financial strength, J.D. Power ratings, and customer satisfaction.

While Allstate has a lot of discounts and good customer service, its premiums can be a bit high. Titan offers a lot of flexible payment plans, but lacks a good online platform for filing claims.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allstate Titan
Best If Allstate
  • You want easy, online tools to access your account
Titan
  • You want a lot of discounts and flexible payment plans
Worst If Allstate
  • You're looking for reasonably priced premiums
Titan
  • You want to file a claim online (you can only file claims by phone with Titan)

Special Car Insurance Discounts

Allstate Titan
Allstate Titan

Association Membership is a discount that is granted to customers who are active members of any club specifically recognized by Titan.

The Advance Quote Discount is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount helps save money when you add agricultural vehicles in your possession to your auto insurance policy.

Travelink Discount applies only to collision coverage and a vehicle that is individually owned by an employee whose employer is participating in an approved traffic mitigation program. Annual recertification is required.

EFT Discount saves you money when you opt to pay your monthly insurance premium electronically. Less paper wasted, more money saved!

Standard Car Insurance Discounts

Bundling Coverage Discounts Allstate Titan
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allstate Titan
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allstate Titan
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allstate Titan
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allstate Titan
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allstate Titan
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allstate Insurance Titan Insurance
2016 322 1
2015 460 4
2014 569 4
2013 530 1

U.S. Auto Insurance Shopping Study (2016)

Allstate Insurance Titan Insurance
Overall Purchase Experience Below average Average
Policy Offerings Average Average
Pricing Below average Average
Local Agent Average Average
Call Center Representative Below average Average
Insurer Website Average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Allstate Insurance Titan Insurance
Overall Satisfaction Average Above average
First Notice of Loss Average Above average
Service Interaction Average Above average
Appraisal Above average Above average
Repair Process Below average Above average
Rental Car Experience Above average Average
Settlement Average Average

Financial Strength Ratings

Allstate Insurance Titan Insurance
A.M. Best A+ A+
Moody's Aa3 --
S&P's AA- --

Mobile Apps

Allstate Titan
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

Titan

Titan Mobile allows you to find a local insurance agent, view your policy, pay premiums, and even get instant help with a claim. To download the app for iPhone or Android, click here

Roadside Assistance

Allstate Titan
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
Titan

Titan Emergency Roadside Assistance

Adding roadside coverage to your auto policy can greatly benefit you out on the road. Titan works with a network of nationwide roadside service providers to give you 24/7 coverage in the event of a breakdown. Roadside Assistance is purchased as an addition to your existing insurance policy with Titan.

Roadside assistance services include:

  • Towing
  • Tire change
  • Battery jump start
  • Gas delivery
  • Lock-out service
  • Vehicle extrication -(winching)