Allianz Car Insurance Review [2020]

Allianz car insurance was founded in 1890 and operates in over 70 countries, but not every state in the US. Allianz recommended repair shops offer lifelong guarantees on their work.

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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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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®

UPDATED: Oct 14, 2021

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Company Details
Address: 225 W. Washington Street Suite 1800
City: Chicago
State: IL
ZIP Code: 60606-3484
Phone Number: 888-466-7883
Year Founded: 1890
AM Best Rating: A+ (Superior)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Allianz is offered in several states in the U.S.
  • The company does not offer quotes online
  • Allianz offers several options for car insurance coverage

Allianz is a multi-national company that was founded in 1890 and operates in more than 70 countries. The company headquarters is located in Munich, Germany.

Allianz insured the Wright Brothers’ historic first flight. You can buy an Allianz car insurance policy through Fireman’s Fund. However, you cannot buy an Allianz car insurance policy in every state. An Allianz car insurance policy is underwritten by National Surety Corporation.

Read this review of Allianz auto insurance company and then enter your zip code to start comparing car insurance rates from multiple companies today!

What states offer Allianz insurance?

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

When you are on the Fireman’s Fund insurance website, there is an option to search for an independent agent. You would then have to contact the independent agent who represents or sells Fireman’s Fund insurance. Some people may be put off by not being able to do things online, but sometimes it can be beneficial to let the financial professionals do all the hard work.

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Does Allianz offer any optional coverage?

An Allianz auto insurance policy comes with rental reimbursement for up to $20 dollars per day with a maximum limit of $600 dollars. This rental reimbursement coverage can be used when your vehicle is damaged in an accident. Typically with rental coverage, there are recommended rental companies that you’ll work with, if you end up needing to use this type of insurance.

If the basic plan isn’t enough for you, you can always buy higher daily and maximum limits for rental reimbursement, though at an additional cost. What you pay will always be linked to the type of coverage you desire. Affordable rates can be quite alluring, but if you end up wanting more out of your policy, expect to pay up.

Being able to increase the amount of coverage that you have is a good option to offer if you want to be sure that you can rent a vehicle comparable to your own.

You can select the amount of coverage you want for medical costs incurred as a result of an injury. You have the option to select the amount of coverage you want for yourself and your passengers, just keep in mind that there is going to be extra cost associated with anything other than their standard plan. As a side note, when you purchase coverage that will include medical bills, that coverage is not applicable towards any pre-existing medical conditions, only the injuries suffered due to the accident. Taking advantage of your policy in that way is considered insurance fraud.

What does Allianz’s customer service look like?

You would have to contact an agent to buy an Allianz personal auto policy, because there is no option to get a quote online. This can be helpful because an agent should work hard to determine the right amount of coverage for you.

However, if you want a car insurance policy that you can manage online, this policy would probably not be the best one for you.

You would have to call your Allianz agent during their regular business hours in order to advise them of any changes. You can report a claim 24 hours per day, seven days a week.

How are repairs handled?

When your vehicle is covered through an Allianz car insurance policy and it is damaged, you have the option of taking your vehicle to a recommended repair shop.

Any repairs done to your vehicle at one of these shops will be guaranteed for the life of the vehicle for as long as you own the vehicle.

You also have the option of selecting your own repair shop.

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Should you be looking into Allianz car insurance quotes?

Unfortunately as stated above, Allianz does not offer quotes online. However, you should have some peace of mind knowing that you can always contact their customer service, and then use the information they provide you to compare Allianz to other providers. Make sure their financial strength ratings are to your liking, as well as their customer service options. This means you’ll have to contact an Allianz insurance agent, but considering the financial heft associated with choosing an insurance provider, it could be worth it.

Even if you are considering Allianz as your primary coverage provider, you should still check rates and services with other companies. There are varying coverage levels out there, and each company is going to have their own rates. Finding the level of coverage you need from a provider that has rates you can afford and agents you work well with is going to be worth the hard work. You can start with comparison sites that allow you to do all this online. Enter your zip code to start a free car insurance comparison with multiple providers now!

References:

  1. https://www.allianzusa.com/
  2. https://www.firemansfund.com/
  3. https://www.nationalsurety.com/

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