Allied Auto Insurance Review for 2020

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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The Allied Car Insurance Company dates back to 1929 when it was originally founded by Harold Evans. It operated independently and grew into its own successful automotive insurance provider over the course of many decades. In 1998, however, Allied made the decision to join forces with Nationwide insurance in order to be "on your side" for their customers.

Today, there are still areas in the US where Allied goes by its old name. But their online presence is incorporating and accepting the Nationwide logo and business motto. However, because the company might go by one name in one state and its other name in a different one, it's important to make sure you find out which company is operating near you so that you can get the best deal on your policy.

Allied Insurance Review

Allied and Nationwide are performing very well together as a company, and they've been doing so for many years. Nationwide has earned A+ "superior" ratings for their financial strength and stability for many years, and their rating with the BBB has actually increased from an "A" to "A+" recently. They are also ranked above average as far as the NAIC complaint index is concerned.

Metric Rating
AM Best Financial Strength Rating (2016) A+
Better Business Bureau Rating (2016) A+
NAIC Complaint Index (2012) 0.64 (Better than Average)

Allied Insurance Discounts

It's likely that the discounts available from Allied and Nationwide will vary from state to state - they may even vary from one zip code to another. But regardless of which company your policy is with, you can look forward to some of the following discounts:

Discount How to Qualify
Multi-Policy Discount Carry more than one policy with Allied at the same time (including Home, Life, Auto, and more)
Accident-Free Discount Each accident-free year on your driving record can qualify you for a discount
Easy-Pay Discount Sign up to pay your bill electronically and receive a discount
Good Student Discount Students with a B average or better could pay a lower premium

*AlliedInsurance.com and Nationwide.com websites 2016

Other popular discounts, such as family plans, accident forgiveness, or a SmartRide discount may or may not be available in your specific area. You should make sure to ask your insurance agent if you are eligible for any discounts, and how big of a discount you are entitled to.

Allied Auto Insurance Options

Like most automotive insurance companies, Allied is more than happy to offer you the standards such as Liability, Comprehensive/Collision, Uninsured/Underinsured, and more. But they also offer:

  • Accident Forgiveness - if you choose to purchase this extra coverage option, you can have one minor accident or violation "forgiven" in the event that you are an otherwise good driver.
  • Good as New Coverage - If you purchased your vehicle brand new and it gets totaled within 3 years of driving it off the lot, purchasing this extra coverage works in a similar manner to Stop/Loss coverage.
  • Vanishing Deductible - Purchasing this coverage allows you to waive your deductible in the event your car gets damaged and you need to file a claim, or if your car is totaled.

Comparing Allied Insurance Quotes

Because Allied operates in different states, and because it sometimes goes by the name of its partner company, Nationwide, it's best to make sure you compare as many quotes as possible in order to get the best rate near you.

Allied Auto Insurance Quote ComparisonLegend: Allied Married HomeownerPoor CreditSingle RenterImperfect Record 255075100125150175200225$110$161$131$227

Like many standard insurance companies, Allied enjoys giving lower rates to good drivers with good credit who are homeowners (and may potentially bundle those policies). Likewise, deviating from that norm - whether it's poor credit, renting instead of paying a mortgage, or having some minor violations on your record - may result in the rate hikes you see above.

Pros and Cons of Allied Insurance

Pro Con
High ratings both in financial strength and customer service Might not get the same level of coverage and customer service in all areas
Recent partnership with Nationwide increases their coverage area and availability Not knowing which company you're dealing with might cause confusion during the claims process

Nationwide and Allied have become a large and very popular automobile insurance company in recent years. They have also implemented many different coverage options, such as Accident Forgiveness and Vanishing Deductible, that have made them highly competitive in their market. However, drivers who have imperfect driving records or poor credit might want to be careful and compare Allied to several other companies to make sure they are getting the most affordable premium available.

Corporate Headquarters
1100 Locust St.
Des Moines, IA 50391-1100
www.alliedinsurance.com
1-800-532-1436

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