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ALLSTATE INSURANCE COMPANY

In my opinion, if everyone has to get insurance then it should at least be handled in a fair manner. I grew up in Michigan, where it is practically impossible to get by without a car. This meant that, to get from here to there, you have to get auto insurance. And naturally, I wanted to go with the cheapest rate. The best rate I could find was from the Allstate insurance company. Unfortunately, that is before they found out that I was a teenage driver. Once they calculated that into their rate, it skyrocketed!

Because I was a teenage boy, the Allstate insurance company rate was twice as bad as it would have been if I was a girl. My sister went with the Allstate insurance company, and actually got a decent rate. I don't think this is fair. I don't think that an auto insurance company should be able to calculate your age in to your insurance rate. I have a friend who worked for a Michigan insurance company, and he knows the inner workings of the industry. It is a pretty shady business, if you want to know the truth. The Allstate insurance company – or any other national insurance company for that matter – can use all kinds of data to calculate your insurance rates. They can make you pay more because of your age, your gender, or even your credit history.

I have a lot of trouble seeing why credit history should have anything to do with how much the Allstate insurance company charges me. If I have a good driving record, why should they have the right to charge me more just because I have a bad financial record? They are not a financial lending institution. They are not there to guarantee my bank accounts. They are there to guarantee my driving, and my driving is flawless.

Personally, I think we should establish a single Nationwide insurance company run by the government. This would solve a lot of these problems. Right now, the Allstate insurance company has one way of calculating how much to charge for insurance coverage and AAA insurance has another way of doing it. If there were one national company, there would only be one way of doing it. A nationwide insurance company would be more likely to judge you on your driving record alone. They would not be in it to make the most money possible. They would be there to provide the best automotive insurance protection possible. It would be much better for everyone except the insurance companies.