Allied Car Insurance Review

Allied Car Insurance is a national firm that was established in Des Moines, Iowa, in 1929. Allied offers several insurance coverage options, including car, home, life, and others. Learn about Allied’s insurance coverage options and discount opportunities by reading our evaluation of the company.

Allied Insurance review for 2021

Allied Car Insurance Review - Allied Insurance Company Logo
  • JD Power Rating — Not rated: JD Power’s 2019 U.S. Auto Claims Satisfaction Study does not include Allied.
  • Financial strength — Excellent: AM Best’s A+ grade confirms that Allied is a dependable financial partner.
  • NAIC Rating — Average: Allied Insurance receives a middle-of-the-road complaint ranking from the National Association of Insurance Commissioners.

Allied car insurance coverage options

Other car insurance companies provide similar coverage such as personal injury protection, bodily injury liability, property damage liability, collision and comprehensive, gap coverage, and uninsured/underinsured motorist coverage.

Allied Insurance also provides several different insurance options, such as incentives and discounts, to allow you to personalize your coverage.

Rental reimbursement (basic loss of use)

The expense of a rental automobile or other means of transportation, including public transit, can be covered in the event of an accident that prevents you from using your vehicle. This policy, which is known as Rental Days Plus, comes with additional enhancements. This includes limitless rental car coverage. The Basic Loss of Use coverage upgrade, Rental Days Plus, can offer you with a limitless rental car benefit.

Allied Rewards

You may choose from a variety of options while working with Allied insurance. If you find something you like, check out the following list of perks.

Accident and violation forgiveness

Allied has two sorts of forgiveness: one that is overt and one that is covert.

  • Your premiums won’t go up after an accident if your record has been cleaned up to that point. This has a three-year-long waiting period between accidents per policy.
  • A ticket or small offense is a costly affair, but you can avoid increases in your insurance premiums if you get leniency with your carrier. You can make one mistake per driver over a three-year period and still be licensed.

Good-as-new

The coverage is divided into two phases. A first benefit of your policy is the new car replacement coverage, which will last until your car is three years old and is available to help with a new car purchase if your vehicle is a total loss. After three years, this becomes gap coverage, which includes the amount your loan balance is over the amount of your settlement from the accident.

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Roadside assistance

Allied provides a variety of roadside help packages in the event of a mechanical failure or other emergency while on the road. Assistance in any category is accessible regardless of whether the automobile is on your coverage. Furthermore, it includes all your family who reside with you, even if they are not in your automobile.

Allied describes Cross Country Perks as a nation-wide discount program that is available to its two levels of customers. Select retail outlets, restaurants, and motels will provide these discounts. The information on the lower tiers is below.

Roadside assistance –basic

  • Towing up to 15 miles
  • Fuel delivery
  • Lockout coverage
  • Jump starts
  • Flat tires
  • Cross country perks
  • Cost: about $10 per six-month policy period

Roadside assistance –plus

  • Up to 100 miles in towing
  • Trip interruption
  • Turn-by-turn directions
  • Pre-map routing
  • Fuel delivery
  • Lockout coverage
  • Jump starts
  • Flat tires
  • Cross country perks
  • Cost: about $20 per six-month policy period

Deductible savings rewards

Allied has two types of deductible savings: the partial deductible, which goes away over time, and the waiver for entire loss. Having these additional coverages might help you save money if you are in an accident.

  • Vanishing deductible. Safe driving while covered under this policy can help you to receive a reduced deductible. You may save $100 off your deductible each year that you go without an accident, for a total of $500.
  • Total loss deductible waiver. A deductible waiver is an insurance policy benefit that enables you to avoid paying your deductible in the event that your car is totaled.

The Allied extra

Bundle your home and car insurance to get extra advantages from Allied. Allied provides all of these additional services free of charge as a bonus for owning more than one policy.

Advantages include:

  • One deductible. You just pay one deductible if your house and vehicle are damaged by the same catastrophe.
  • Bonus emergency lockout coverage. In the event that you are locked out of your car or house, Allied promises to reimburse locksmith charges.
  • Bonus airbag replacement. Should an airbag be deployed accidentally, Allied will cover the costs of its replacement.
  • Bonus accidental death coverage. In the event of a fatal accident in a covered vehicle, Allied pays $10,000.

Allied car insurance discounts

Allied provides a wide range of discounts for its customers. Look at some of the various money-saving methods.

  • Multi-policy discount. If you have your vehicle and house insurance policies bundled with life insurance, you might get a discount on your monthly rates.
  • Multi-vehicle discount. By taking advantage of Allied’s multi-vehicle insurance, you may save money.
  • New vehicle discount. Newer cars have reduced insurance rates.
  • Accident-free discount. Drivers who keep a clean driving record might earn a discount for each year they go without an accident.
  • Good student discount. Students with a ‘B’ average or above can get cheaper prices for full-time enrollment.
  • Easy pay discount. You can get a discount if you pay by direct debit.
  • Prior carrier discount. Just by moving from another carrier, you may be entitled for a discount.
  • Farm Bureau discount. Being a Farm Bureau member may enable you to obtain a reduction on your car insurance costs. In California, Delaware, Ohio, Maryland, and Pennsylvania, these reductions are offered.
  • 12-month rate lock. Allied allows you to lock in your rates for a full year with an annual policy term, a rarity among businesses that often only allow for six-month rate locks.

Is Allied car insurance right for you?

For the ordinary motorist, Allied offers a large range of options. While they don’t provide the same generous savings that others do, their parent company, Nationwide, has an extremely positive financial rating and their customer service is also quite well regarded, so it’s easy to see why. Car insurance, as well as other forms of coverage like house and business insurance, is still worth your time to compare prices when you are seeking the lowest.

For more insurance company reviews, check out Bear River Insurance Review.