Allied Car Insurance Review [2021]

Allied Car Insurance offers deductible benefits, accident forgiveness, and roadside assistance. To find the best rates, compare Allied Car Insurance with other companies using our comparison tool.

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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: One West Nationwide Boulevard 1-04-701
City: Columbus
State: OH
ZIP Code: 43215-2220
Phone Number: 614-249-7111
Year Founded: 1929
AM Best Rating: A+ (Superior)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Allied insurance offers several deductible coverage benefits including a deductible waiver if your vehicle is a total loss
  • Allied offers accident and traffic violation forgiveness in certain circumstances
  • Allied offers two roadside assistance coverage packages
  • Allied makes claim reporting easy and fast

Allied Car Insurance was originally called Allied Mutual Automobile Association, and was formed in 1929. The corporate headquarters is located in Des Moines, Iowa with several offices located across the United States. They offer roadside service, optional coverage for your auto policy, prompt claim handling, and quite a few different benefits that we’ll cover below.

If you are considering buying an Allied car insurance policy, you should also shop around and get quotes from other companies before you purchase said auto insurance policy. Comparing prices and insurance providers is a great way to give yourself peace of mind, knowing you did everything you could in order to get the best price possible.

Enter your zip code to start comparing car insurance options today!

What are the Allied deductible benefits?

When you buy an Allied car insurance policy, you can also buy coverage that will decrease your deductible up to a maximum limit of $500 dollars.

When you sign up for this coverage, your deductible will be reduced by $100 dollars. For every year that you have driven safely, your deductible will decrease another $100 dollars. In this case it really does pay to be a safe driver.

There is also a deductible waiver if your vehicle is considered to be a total loss which means you will not have to pay your deductible if your vehicle is a total loss.

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Does Allied offer accident and traffic violation forgiveness?

When you have a car insurance policy with Allied and you have an accident, your rates will not increase even if you are considered to be at-fault. This accident forgiveness applies if you have only one accident each three years. Any more than that however, even if it’s a no-fault accident, and it may end up costing you more than just any medical bills you accrue.

They offer minor violation forgiveness as well. If you have a minor traffic violation once each three years, your rates will not increase.

Most major insurance companies view accident and traffic violation forgiveness as a buffer against something that could be seen as inevitable, but not as an excuse for drivers to become reckless. Your auto insurance provider wants to keep you safe, but they also want to know that you’re going to continue to drive safely as well.

One covered accident or violation won’t put them in the red, but multiple claims per driver might, and ultimately they want to avoid this scenario, because in order to recover costs, they may end up having to drive up average rates. Higher rates means less of a chance people will be interested in doing business with them.

Is there any offered Allied roadside assistance?

Emergency roadside assistance comes in handy more often than not, and Allied offers two levels for roadside assistance coverage. The basic roadside assistance package includes towing for a maximum fifteen miles, lockout, fuel delivery, flat tires, and jump starts, as well as membership discounts.

The plus package includes the basic package plus towing up to a maximum of 100 miles, turn-by-turn directions, trip interruption coverage, emergency messages, and pre-trip map routing.

This roadside assistance coverage can be applied while driving any vehicle from any member of the household that is insured with Allied. You’d be able to talk to an agent about the coverage levels and what would be the best fit for you.

How does Allied handle claim reporting?

The claims process is pretty straightforward with Allied. You can speak to an Allied customer service representative to report your claim 24 hours a day, seven days a week. Allied insurance agents will address your needs with your personal property when you report the claim.

An Allied representative should ask you if you need help towing your vehicle and help you get into a rental as long as coverage is applicable.

After you report your claim, an Allied representative should make contact with all parties involved within 8 business hours.

There is the possibility of settling your claim on the first phone call. An Allied representative should also provide you with contact information for Blue Ribbon Repair Shops.

If you purchase an Allied car insurance policy and an Allied homeowner’s policy, you will then be qualified for the Allied Extra, which, as the name implies, provides you with additional protection. This is Allied’s way of thanking you for purchasing additional insurance coverage with them.

The Allied Extra includes the following:

  • A single deductible – You would only have to pay one deductible for any claim when both your auto and your home have been affected by the same event.
  • Bonus emergency lockout – This type of coverage will pay for a locksmith and applies if you get locked out of your home or vehicle.
  • Bonus airbag replacement – This coverage pays for the replacement of an airbag in your vehicle if it should deploy accidentally.
  • Bonus accidental death benefit – There would be $10,000 dollars paid if you died during an accident involving your vehicle.

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Can you get Allied car insurance quotes online?

There are still some businesses that prefer you work with them directly when it comes to certain aspects of their services. Allied is an auto insurance company that follows this train of thought. If you are interested in buying an Allied car insurance policy, you will have to contact an Allied agent to begin the quote process and to find out what your coverage options are. This isn’t necessarily a bad thing; you can figure out quickly if their agents will provide the level of customer satisfaction you’re looking for.

You will not be able to make any changes to your policy online. You will have to speak to an agent every time you change something on your policy, or purchase additional insurance products.

You cannot print your ID cards online. An Allied agent will have to sell you the policy and issue your ID cards.

When you call in, talk to your agent about any other policy discounts that may be available. Sometimes discounts can offset the cost of any additional coverage you may be looking to purchase for you and your vehicle. Before you make a purchase decision based on your Allied auto insurance quotes, take a look at customer reviews, and don’t forget to use our free tool to start comparing car insurance options today! You’ll be able to find other online quotes and use them in addition to what information you’re provided from an Allied agent, should you reach out to them as well.

References:

  1. https://www.alliedinsurance.com/
  2. https://www.alliedinsurance.com/car-insurance-discount.jsp
  3. https://www.alliedinsurance.com/rewards.jsp
  4. https://www.alliedinsurance.com/multipolicy-discount.jsp

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