Discounts with Allianz Car Insurance

Allianz car insurance discounts include an offer for buying multiple policies that can save you up to 10% per policy. Allianz also offers discounts for good school grades.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Aug 31, 2021

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Here's what you need to know...

  • Allianz is offered in a few states in the U.S.
  • The company does not insure high-risk drivers
  • You should always compare auto insurance policy rates from multiple companies to find the coverage that’s right for you

Allianz is an international insurance company that has been around for quite a number of years. Having been founded in 1976, however, it is relatively new to the U.S.

The company’s U.S. auto insurance website is a bit limited when it comes to information about the discounts that they offer.

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There are two options for auto insurance from Allianz.

The first option is to purchase The Allianz Personal Auto Policy, which is underwritten by the National Surety Corporation. The other option is to purchase your policy from its subsidiary, Fireman’s Fund Insurance Company.

What do you need to know about an Allianz personal car policy?

In order to purchase the Allianz Personal Auto Policy, you will first have to contact an independent insurance agent licensed to sell Allianz’s products. The good news is that the company does provide a link on its website to help you locate agents.

With regard to the coverage Allianz offers, the company offers several different type of insurance coverage options, including:

  • liability insurance
  • comprehensive car insurance
  • collision coverage

You can also purchase additional coverage extras like roadside service, rental car insurance, and underinsured/uninsured motorist coverage.

Allianz offers discounts such as safe driver discounts, as well as multi-policy discounts for you to consider. The only downside is that it appears as if the discount standard is 10%. Some companies discount as much as 30% for these types of considerations.

If you need to report a claim on your policy, you can do so online. In fact, you will receive an online confirmation and online updates as to how your claim is going.

You can also speak to a claims professional about your personal auto insurance 24 hours a day, seven days a week, if you prefer.

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What is the Fireman’s Fund Prestige Auto Premier Plan?

The Allianz Personal Auto Policy is a plan specifically for the average car.

The Fireman’s Fund Prestige Auto Premier plan is auto insurance coverage that is designed specifically for high-end vehicles, classic cars, collector cars, and luxury vehicles.

This policy is based on the market value of the car rather than the Blue Book value of the car. The policy covers all of the requirements for any vehicle on the road in your state.

In addition, if your vehicle is totaled in an accident, you are paid the full value of your car based on the previously agreed-upon amount listed in your policy.

As with the Allianz Personal Auto Policy, the discounts include some of the standard discounts, such as safe driver discounts. However, this type of policy is more expensive than your standard insurance because of the type of car you will be insuring.

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In order to purchase insurance from The Fireman’s Fund Insurance Company, you will need to find an independent agent in your area.

What other discounts should you expect from Allianz?

Allianz is a company with multiple insurance and product lines. The more products that you combine, the deeper your discount will be. Since the standard discount is 10%, if you had three different insurance products, then your discount would be 30% off the total.

Allianz also offers a good student discount for older students.

Most companies cut off this discount at age 21, but Allianz’s coverage is specifically for people over 25 years of age who are currently enrolled as students.

What states is Allianz available in?

As Allianz is fairly new in the U.S. market, its presence is still limited. You will find that the company is only available in a handful of states, including:

  • Ohio
  • Texas
  • Illinois
  • Kansas
  • Oregon
  • Arizona
  • Colorado
  • Missouri
  • Maryland
  • Tennessee

Since Allianz is not a high-risk insurance company, it does not insure people with bad driving records or DUIs. This helps to keep Allianz’s rates down.

Before you make a choice for Allianz, however, you need to compare its rates with other companies in your area. As with every auto insurance company, Allianz’s insurance packages take into account your driving record, credit score, commute length, location, and more. That’s why it’s so important to compare various quotes so that you can choose the right company for your needs.

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