Choosing an insurance company and insurance plan can be overwhelming. There are so many options and reliable companies to choose from and knowing what plan will fit you best is not always simple to figure out.

Everyone has different insurance needs and figuring out what your specific needs are is important. You do not want to pay for insurance that you do not need. It is good to have some cushion to fall down on because accidents happen, but not all insurance plans or companies are created equally, and not all insurance needs are equal as well. Many people will often settle on an insurance plan or company because of the overwhelming amount of options and plans to choose from. Having an insurance company that will lay out and explain in detail what you need can be extremely helpful when it comes time to choosing a plan.

Allstate Insurance was founded in 1931 and has been a pioneer and leader for the industry for the entire length of that time. They have a portion on their website called "Bumper-to-Bumper Basics", which is a simple and easy-to-understand breakdown of the basics surrounding car insurance. If you’re new to the world of car insurance, that is a great place to start. Based in Northbrook, Illinois, Allstate's leaders, and agents have led the way and reinvented the protection its customers need for what matters most to them. Let's take a deep dive into the different options Allstate has to offer:

Liability: This portion of insurance covers you if you are found to be at fault during an accident. Liability insurance helps you avoid paying high-cost bills out of pocket. Bodily injury liability helps cover emergency aid at the scene, medical expenses, lost wage compensation, funeral expenses, and legal fees. Property damage liability helps cover the cost if you are found to be at fault for damaging someone else's property if you are in an accident. It covers damage to homes and storefronts, replacement or repair of stationary objects, and replacement and repair of a vehicle.

Collision Coverage: This type of coverage offered by Allstate helps you avoid paying high costs out of pocket to replace or repair your car after an accident. It protects you if you hit another car, stationary object, or if someone else hits your car in a parked position. Adding this coverage helps you stay protected. We cannot control what happens on the road as much of it is out of our hands and this type of coverage helps protect us when unexpected events occur on the road

Comprehensive Coverage: Comprehensive coverage is wide-range protection. It helps you cover costs of damage if you are not in a crash or involved with another vehicle. It helps cover theft, vandalism, storms, natural disasters, broken windows/windshields, damage caused by falling objects, and damage caused by animals or moving objects.

Underinsured and Uninsured protection: Not everyone you are involved with in an accident will have insurance. Some may have a little, but not enough to cover the full expense of what has happened. This protection can help make up the difference between your bills and what the other driver's insurance covers.

Medical Payments Coverage: If you are in an auto-related accident, medical payments insurance helps cover medical bills caused by those auto accidents. If you, anyone in the car, or any family members covered by the insurance plan are injured in an auto accident, this insurance will help cover those medical expenses. This insurance works for you no matter who is at fault in the accident. If you or a family member are injured in a car that is not yours or as a pedestrian, this type of coverage covers those medical bills as well. This insurance helps cover x-rays, surgery, hospital visits, hospital stays, doctor visits, EMT fees, ambulance fees, and prostheses. Health insurance does will not cover passengers in your car, but this protection plan does.

Roadside Coverage: We can't always control what happens on the road. If something happens to your car on the road and you need assistance, roadside protection helps you cover those costs and receive the help you need, when you need it. This protection helps cover fuel delivery, towing, lockouts, jump-starts, and tire changes. Any last-minute help you need while you are out on the road is covered if you add this to your Allstate insurance plan

Personal Injury Protection: This type of protection helps cover medical bills, hospital bills, and other costs that are not included and covered in your health insurance. If you have been harmed in an accident this helps you cover bills such as child care, funeral expenses, loss of services, and income loss.

Rental Reimbursement Coverage: If you are in an accident and can no longer use your own personal vehicle, this insurance helps cover the cost of rental cars. Purchasing Allstate is an all-around streamlined way to help you gain the quality protection you need. They are a leader in both driving education and safety and have the expertise to help make sure you truly understand what you need out of your insurance plan. You have the option to bundle life, home, and auto insurance if you desire to do so and their extra and optional features cover a wide range of needs. If you have invested a large amount of time and money into an expensive audio system, Allstate has options to help you cover that system should it be damaged in an accident or stolen. Other insurance companies may or may not have options that cover miscellaneous car features.

If you are looking for a reliable provider that will help you truly understand what you need and not require that you pay for insurance coverage you do not need, Allstate might be the ideal option for you. They have the basic coverage that you need to stay protected on the road and have additional options should you want to add extra cushion and protection to your plan. They will help you customize your plan to fit you and what you need, not require you to fit into their mold despite your own individual needs.