Allied Car Insurance Discounts

Allied car insurance discounts are available in 34 states. You could qualify for new vehicle discounts, safe driver discounts, and good student discounts with Allied Car insurance.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • Allied offers several coverage options
  • The company offers discounts for a variety of reasons
  • Drivers considering Allied should compare quotes with other companies to find the best coverage

Allied Insurance Company is a subsidiary of Nationwide. Allied opened its doors in 1929 in Des Moines, Iowa and has been selling car insurance, as well as other insurance solutions, ever since.

Allied uses independent agents to sell its products.

What this means for you is that an agent that sells Allied car insurance products will also sell car insurance products from other insurance companies.

The ability for an agent to compare policies from multiple insurance providers ensures that you get the most discounts possible, equating to the lowest rates.

Enter your zip code above and compare car insurance rates from multiple providers today!

Allied insurance products are available in 34 of the 50 U.S. states.

Through its subsidiaries, you can purchase insurance in all 50 states, although it will be under a different company name. The discounts available are actually different depending upon what company you choose.

Allied Car Insurance Discounts

Allied and Nationwide are very similar in terms of the types of discounts that they offer. The pricing starts based on your driving history, as well as the driving history of anyone else who is listed as a driver on your policy.

Not all of the discounts are available in every state, so it is important to ensure that if you choose Allied, you qualify for the discounts listed below:

    • Multiple policy discount – auto insurance and homeowners insurance policies together
    • Multiple vehicle discount
    • New vehicle discount
    • Safe driver discount – no car accidents in the past three years
    • Loyalty discount – a customer for more than two years
    • Good student discount
    • Business auto and personal auto dual policy discount


It is important to note that the new vehicle discount is often offset by the fact that a newer vehicle is more expensive to insure. The more expensive your car is, the more expensive your insurance will be.

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How to Save Money with Allied Car Insurance

Car insurance money fine

Allied, just like Nationwide, offers accident forgiveness.

If you have one accident, then your rates won’t increase. In addition, if you get a speeding ticket, your rates won’t increase for that either. It is important to note that you are only allowed one act of forgiveness every three years.

It is important to note that you are only allowed one act of forgiveness every three years.

Another service offered by Allied that could potentially save you money is the diminishing deductible program. This program reduces your deductible by $100 each year you don’t have an accident.

The max for this program is $500 in reductions, which is the standard deductible for car insurance.

Speaking of deductibles, if you need a way to save money on your annual premiums, then a deductible is an excellent way to do this. You can choose a $0, $250, $500 or a $1000 deductible.

The higher your deductible is, the lower your premiums will be.

Of course, this is the amount you will have to pay out-of-pocket if you cause an accident and your car needs repairs.

Car Insurance Coverage You May Need

Although the coverages mentioned below are likely going to increase your premiums, they are options that you will want to consider for your auto insurance. Some are only available for vehicles that are less than five years old.

  • GAP coverage (new car replacement) – this program actually gives you cash to buy a new car if your vehicle is in an accident and is totaled.
  • GAP coverage – standard gap coverage pays the difference between what you owe on your vehicle and the value of your vehicle should your vehicle be totaled in an accident. This can be a valuable resource for people with longer loans that owe much more than their vehicle is worth.
  • Total loss deductible waiver – this service allows you to waive your deductible if you are in an accident that totals your vehicle.
  • Roadside assistance (basic) – this service offers you towing of up to 15 miles, a jump start if your battery fails, fuel delivered to your car if you run out on the road, a locksmith sent to your car if you lock your keys inside, and flat tire assistance.
  • Roadside assistance (plus) – this service covers everything found in the basic package, as well as an additional 100 miles towing, map routing for a trip, turn-by-turn directions if you get lost, and trip interruption coverage.

Both of the roadside assistance plans are available to any driver insured with Allied, even if they are the passenger in a vehicle that isn’t insured by Allied!

Before you purchase any insurance, however, you will want to ensure that you compare prices and determine whether the perks offered by Allied are the best fit for you.

Enter your zip code below and compare car insurance quotes from multiple companies right now!



Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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