Allstate Claim Satisfaction Guarantee

I think you are wrong, people get pissed off at rate increases and bad claims experiences,

You have a bad claim, people will leave
 
They may end up keeping the poor risks while the others will leave for a company with better claim service.
 
Allstate has a "gold" coverage which forgives 1 at fault accidents, it costs 10% more, so this plan works perfect with that

you are unsatisfied? well stick around to use up your premium refund, then when you go shop around you have an at fault on your record and you have to stick with Allstate because they forgave it
 
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