Allied Car Insurance Discounts [2024]

Allied Insurance Company is a subsidiary of Nationwide. Allied opened its doors in 1929 in Des Moines, Iowa, and has been selling car insurance and other insurance solutions ever since.

Allied uses independent agents to sell its products.

This means that an agent that sells Allied car insurance products will also sell car insurance products from other insurance companies.

The ability for an agent to compare policies from multiple insurance providers ensures that you get the most discounts possible, equating to the lowest rates.

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Allied insurance products are available in 34 of the 50 U.S. states.

You can purchase insurance in all 50 states through its subsidiaries, although it will be under a different company name. The discounts available are actually different depending upon what company you choose.

Allied Car Insurance Discounts

Allied and Nationwide are very similar in terms of the types of discounts that they offer. The pricing starts based on your driving history and the driving history of anyone else who is listed as a driver on your policy.

Not all of the discounts are available in every state, so it is important to ensure that if you choose Allied, you qualify for the discounts listed below:

• • Multiple policy discount – auto insurance and homeowners insurance policies together
  • Multiple vehicle discount
  • New vehicle discount
  • Safe driver discount – no car accidents in the past three years
  • Loyalty discount – a customer for more than two years
  • Good student discount
  • Business auto and personal auto dual policy discount

It is important to note that the new vehicle discount is often offset by the fact that a newer vehicle is more expensive to insure. The more expensive your car is, the more expensive your insurance will be.

Read more: Farm Bureau Car Insurance Discounts

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How to Save Money with Allied Car Insurance

Allied, just like Nationwide, offers accident forgiveness.

If you have one accident, then your rates won’t increase. In addition, if you get a speeding ticket, your rates won’t increase for that either. It is important to note that you are only allowed one act of forgiveness every three years.

It is important to note that you are only allowed one act of forgiveness every three years.

Another service offered by Allied that could potentially save you money is the diminishing deductible program. This program reduces your deductible by $100 each year you don’t have an accident.

The max for this program is $500 in reductions, which is the standard deductible for car insurance.

Speaking of deductibles, if you need a way to save money on your annual premiums, then a deductible is an excellent way to do this. You can choose a $0, $250, $500, or $1000 deductible.

The higher your deductible is, the lower your premiums will be.

Of course, this is the amount you will have to pay out-of-pocket if you cause an accident and your car needs repairs.

Car Insurance Coverage You May Need

Although the coverages mentioned below will likely increase your premiums, they are options that you will want to consider for your auto insurance. Some are only available for vehicles that are less than five years old.

• GAP coverage (new car replacement) – this program actually gives you cash to buy a new car if your vehicle is in an accident and is totaled.
• GAP coverage – standard gap coverage pays the difference between what you owe on your vehicle and the value of your vehicle should your vehicle be totaled in an accident. This can be a valuable resource for people with longer loans that owe much more than their vehicle is worth.
• Total loss deductible waiver – this service allows you to waive your deductible if you are in an accident that totals your vehicle.
• Roadside assistance (basic) – this service offers you towing of up to 15 miles, a jump start if your battery fails, fuel delivered to your car if you run out on the road, a locksmith sent to your car if you lock your keys inside, and flat tire assistance.
• Roadside assistance (plus) – this service covers everything in the basic package, an additional 100 miles of towing, map routing for a trip, turn-by-turn directions if you get lost, and trip interruption coverage.

Both of the roadside assistance plans are available to any driver insured with Allied, even if they are passengers in a vehicle that isn’t insured by Allied!

Before you purchase any insurance, however, you will want to ensure that you compare prices and determine whether the perks offered by Allied are the best fit for you.

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Case Studies: Allied Car Insurance Discounts

Case Study 1: New Vehicle Discount

John recently purchased a brand-new car. By choosing Allied car insurance, he was eligible for the new vehicle discount. This discount helped lower his insurance premiums and provided him with peace of mind knowing that his investment was protected.

Case Study 2: Safe Driver Discount

Sarah has maintained a clean driving record for several years. When she switched to Allied car insurance, she qualified for the safe driver discount. This discount recognized her responsible driving behavior and rewarded her with lower insurance rates.

Case Study 3: Good Student Discount

Emily, a high school student, achieved excellent grades. Allied car insurance offered her a good student discount as a reward for her academic achievements. This discount not only reduced her insurance costs but also encouraged her to maintain her academic success.

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