Allied Car Insurance Company Review
Allied Insurance Company was structured as Allied Mutual Automobile Association in the early 1900s. It is based out of Des Moines, Iowa and has regional offices around the country. It is associated with Nationwide Insurance and other insurance companies and is able to sell car insurance in 33 states.
Allied Insurance Company offers a variety of coverage options for your cars and other vehicles. The options are flexible and can fit every budget. There are also a number of ways that you can customize your car insurance policy.
History of Allied Car Insurance
Allied Insurance has been around since 1929. It started in Iowa in the city of Des Moines. To help provide insurance and have a local presence in other areas of the country, Allied has regional offices in Sacramento, CA, Denver, CO, Gainesville, FL, and Lincoln, NE.
Allied Mutual Auto Association joined Nationwide Insurance in 1998. Because Nationwide is one of the biggest financial services and insurance companies in the country, Allied has a strong backing and is able to offer a variety of insurance options.
Although car insurance is one of the most popular products that Allied offers; it also provides insurance protection for your business, ranch or farm, and home. Allied encourages diversity in the workplace and strives to attract and hold on to the best and strongest employees. With its regional offices, Allied works to understand the local markets to help you get the best and most affordable car insurance possible in your area.
Allied Car Insurance Options
To help protect both you and your vehicle, there are a number of car insurance options available from Allied Insurance. For your car, you can choose between comprehensive and collision coverage, or decide on both.
Collision coverage covers damage caused to your vehicle by coming into contact with another vehicle or object. Comprehensive will protect you if you experience any other loss to your vehicle. This includes that which is caused by theft, fire, vandalism, falling objects, the breakage of glass, and natural disasters.
To help protect you and your passengers, Allied offers liability protections. This protects you if are legally liable for damage to other persons in an accident and covers costs for legal defense.
If you want coverage for medical expenses, you can choose to get medical payment coverage from Allied Insurance. This covers not only you, but your passengers as well. This pays for medical costs associated with a car accident as well as if you are hit as a pedestrian.
Although car insurance is required in almost every state, unfortunately some slip by without getting insurance. To protect yourself from an accident with someone who doesn’t have insurance, Allied offers uninsured motorist protection. It also offers underinsured coverage in case you are in an accident with a driver who does not have enough insurance to cover all of your losses.
Allied Insurance also offers protection for personal injury. This covers you, your family members, and passengers in your vehicle. It helps pay for loss of services, death, injury, and loss of income.
Other optional coverage offered by Allied include reimbursement for car rentals and coverage for labor costs and towing if your car breaks down. This includes roadside assistance for things such as lockout, fuel delivery, flat tire changes, and jump-starts.
Allied Car Insurance Rewards
In addition to regular vehicle coverage, Allied Insurance offers a number of unique rewards in which you can choose. One reward offering is for violation and accident forgiveness. Many car insurance companies will increase your insurance rates if you are in an accident. With Allied, you can have one accident every three years and it won’t cause your rates to increase. This is true even if the accident was your fault.
Some companies will also increase your insurance rates if you get a ticket for a traffic violation. With Allied, a minor violation will not affect your premiums, as long as you only get one for every three years you are insured with Allied.
With Allied you can choose to get good-as-new coverage rewards. You can choose GAP coverage to cover your vehicle aged up to six years old, or you can choose new car replacement, which ends when your car reaches the age of three.
You can even choose to customize your Allied Car Insurance policy with deductible savings rewards. With diminishing deductible, when you sign up you will immediately receive a $100 credit off your vehicle’s deductible. For each year you go without an accident, you get another $100 credit. You can earn up to $500 worth of deductible credit.
You can also sign up for the deductible waiver for total loss. This means that if you are in an accident and your car is considered totaled, you do not have to pay your deductible.
Allied Car Insurance Ratings
J. D. Power and Associates is a company that compiles surveys and consumer ratings of different industries. It is an independent company that is unbiased and generates results to compare different companies and their services.
J. D. Power has produced the results from their 2011 study about car insurance companies. Although there are no results specifically for Allied Insurance, there are results for Nationwide Insurance, of which Allied is a part.
The ratings show that the rating for payment and billing is three out of five, which is considered about average. The insurance company also received an average rating for both policy offerings and contacting the insurer. A two rating was given for pricing. Overall satisfaction for Allied Insurance was also rated as a two.