Allied Auto Insurance: Is It A Good Choice?

Allied Insurance, a subsidiary of Nationwide Mutual Insurance Company, offers a range of insurance products, including auto, home, life, and business insurance. With a history dating back to 1929, Allied has established itself as a stalwart in the insurance industry, known for its comprehensive coverage options and commitment to customer satisfaction. In this discussion, we will delve into the key aspects that contribute to Allied's reputation and explore whether it is a good choice for individuals seeking auto insurance. We will analyse its coverage options, discounts, customer service, and overall value to help you make an informed decision about your insurance needs.

Allied Insurance's parent company is Nationwide

Allied Insurance, a company owned by Nationwide, has a lot to offer. The company has positive rates and appealing discounts, although its customer service could be improved.

Allied Insurance offers low rates for a wide range of drivers, including single people, families, and older drivers. The company also offers a wide array of optional coverage benefits, ranging from accident forgiveness to roadside assistance. Safe drivers can benefit from exceptional discounts and rate decreases if they haven't received a ticket or been in an accident. Allied also provides valuable discounts and coverages specifically for owners of new vehicles.

Another advantage of Allied Insurance is that customers can use Nationwide's highly-rated mobile app, which offers unique features and allows drivers to access policy information, file a claim, and get quotes.

However, one of the major disadvantages of Allied Insurance is its poor customer service, as evidenced by the high number of customer complaints to the National Association of Insurance Commissioners. Allied receives below-average consumer satisfaction scores from J.D. Power, indicating that it is not the best choice for those who value customer service above all else.

In summary, Allied Insurance and its parent company, Nationwide, provide affordable rates and a variety of benefits. However, the company's middle-of-the-road customer service reviews may be a drawback for some potential customers.

Allied offers affordable insurance for all age groups

Allied Insurance is a good choice for drivers looking for affordable insurance deals. The company offers low rates for a wide range of drivers, including singles, seniors, and families. Allied's rates are especially attractive for families, with a $1,236 premium for a family of three—two 50-year-old parents and a 16-year-old child—which is 49% cheaper than the average price.

Allied also provides a range of optional coverage benefits, such as accident forgiveness and roadside assistance, making it an appealing choice for drivers. The company also offers exceptional discounts and rate decreases for safe drivers with no tickets or accidents on their record.

In addition, Allied provides valuable discounts and coverages for owners of new vehicles. This includes a discount for insuring a new vehicle and new-car replacement coverage, which pays for a new car if the insured vehicle is stolen or totaled within the first three years of ownership.

While Allied offers affordable rates and a variety of benefits, it falls short in customer service. The company has received mixed reviews, with an average number of complaints reported to the National Association of Insurance Commissioners (NAIC) and below-average consumer satisfaction scores from J.D. Power.

To get a quote for an Allied policy, you must contact an independent agent as quotes are not available online. However, Allied's parent company, Nationwide, offers online quotes and similar benefits.

Overall, Allied Insurance provides affordable insurance options for all age groups, making it a good choice for drivers seeking low rates and optional coverage benefits.

Pros and cons of Allied Insurance

Allied Insurance, now a subsidiary of Nationwide, offers a range of insurance products, including auto, home, renters, life, boat, and pet insurance. Here are some pros and cons of choosing Allied Insurance:

Pros

• Affordable rates: Allied Insurance offers some of the most affordable insurance rates in the market, with quotes that are lower than the national average.
• Variety of coverage options: They provide a wide range of coverage options, including comprehensive, collision, uninsured and underinsured motorist, and personal injury protection.
• Discounts: Allied offers a variety of discounts, such as policy bundling, good student, good driver, and multiple-car policies.
• Strong customer service ratings: Allied has high marks for its customer service, with an A+ rating from the BBB and positive feedback on its claims handling.
• Financial stability: As a part of Nationwide, Allied has strong financial stability with an A+ rating from AM Best.
• Convenience: Allied offers flexible billing options and easy access to policy information through their mobile app.

Cons

• Limited availability: Allied Insurance is currently only available in 33 states.
• Customer service issues: While Allied has positive reviews for claims handling, there have been some complaints about the overall customer service experience, with reports of slow roadside assistance.
• No online quotes: Allied does not provide online quotes, and customers must work through an agent for major questions and processes.
• Not ideal for rideshare: Allied does not offer rideshare coverage options for those who drive for companies like Uber or Lyft.

Allied's customer service is rated average

Allied Insurance's customer service is rated average. The company has received mixed reviews from its customers. While some commend their polite and helpful customer service, others have filed complaints about the company with the National Association of Insurance Commissioners (NAIC).

Allied has a middle-of-the-road rating when it comes to customer service reviews. Consumers have reported an average number of complaints to the NAIC, and the company receives below-average consumer satisfaction scores from J.D. Power. The most common reasons for complaints include displeasure with the claims process, including delays and unsatisfactory settlement amounts.

Allied's mobile app has received positive feedback. Customers appreciate the convenience of being able to access policy information, file claims, and get quotes through the app.

Overall, while Allied Insurance offers positive rates and appealing discounts, its customer service is not its strong suit. If top-notch customer service is a priority for you, Allied may not be the best fit.

Allied offers a wide range of insurance discounts

Allied Insurance, now a subsidiary of Nationwide, offers a range of insurance discounts to its customers. While the company has received mixed reviews for its customer service, its financial stability and affordable rates have impressed many. Allied's insurance discounts include:

Multi-Policy Discount

Bundling your insurance policies can result in significant savings. Allied offers a multipolicy discount when you combine your car insurance with a life insurance or annuity contract from Nationwide. Additionally, if you already have your home and auto policies bundled, adding a life insurance policy can further reduce your rates.

Multi-Vehicle Discount

Insuring multiple vehicles with Allied will qualify you for a discount. This is a common benefit offered by many insurance providers, and it can help you save money on your overall insurance costs.

New Vehicle Discount

If you're insuring a newer vehicle, Allied offers a discount to help offset the typically higher costs associated with insuring a new car. This discount, combined with their new-car replacement coverage, makes Allied a compelling option for owners of new vehicles.

Accident-Free Discount

Safe drivers who maintain an accident-free record can benefit from Allied's accident-free discount. For each year you drive without an accident, you may be eligible for a discount on your insurance premium. This discount is a great incentive for drivers with a safe driving record.

Good Student Discount

Students who maintain a B average or better in their academic pursuits can take advantage of Allied's good student discount. This discount promotes and rewards academic excellence, making it easier for students to manage their insurance costs while focusing on their studies.

Prior Carrier Discount

Switching to Allied from another insurer may make you eligible for a prior carrier discount. This discount is a way for Allied to welcome new customers and make the transition more financially appealing.

Farm Bureau Discount

Members of the Farm Bureaus of California, Ohio, Delaware, Maryland, and Pennsylvania are eligible for a special discount on their personal and business auto insurance. This discount sets Allied apart from its competitors, as it specifically targets members of these Farm Bureaus.

In addition to these discounts, Allied also offers benefits through their Allied Extra program when you bundle your homeowners and auto insurance policies. These benefits include a single deductible for both home and car damage in the same incident, free emergency locksmith services, free airbag replacement, and an accidental death benefit of $10,000 in the event of a covered auto accident.

Frequently asked questions