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Allied Car Insurance

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Image via Unsplash by Jose Mizrahi

Car insurance covers a driver’s liability, or responsibility, for any bodily injury or property damage they may cause due to their driving. An active car insurance policy that can adequately pay victims for the financial costs they might incur is mandatory for all drivers in nearly all the United States.

Since each state sets and enforces car insurance laws with specific coverage limits, you will need to contact the DMV department in your state to find out how much insurance coverage you need. You can then buy the required insurance from insurance companies like Allied Insurance. Aside from being affordable, Allied car insurance comes with plenty of customizable options.

Allied Insurance

Allied Insurance, which has been providing insurance coverage since 1929, is owned by the Nationwide Mutual Insurance Company. If you are looking to buy car insurance, you might want to check out their insurance offerings. They offer low rates for drivers of all ages, including single individuals, married couples, senior citizens, and families. Additionally, they have a range of discounts and optional coverage benefits.

Buying car insurance coverage from Allied Insurance offers the following advantages:

  • They offer competitive rates in comparison with other insurance companies.
  • Their experienced insurance specialists can help you determine which coverage is best for you.
  • They have 24/7 customer support and claims support.
  • They have membership in the National Society of Agents for Consumer Education.
  • They allow their customers to get policy-related information, file claims, and get quotes via Nationwide’s mobile app.

Allied Car Insurance Coverage Options

Allied Insurance offers a range of car insurance coverage, so you can customize the insurance policy you buy to suit your specific needs.

Standard Car Insurance Coverages

You can get the following standard car insurance coverages from Allied:

  • Liability: If you have an accident and you are at fault, the liability coverage will pay for the medical expenses of the injured people. It will also cover compensation for their property damage.
  • Medical payments or personal injury protection: This coverage will pay for the medical expenses of you and your passengers following an accident, whether you are at fault or not.
  • Uninsured or underinsured motorists coverage: If the other driver is at fault in an accident but does not have liability insurance or sufficient insurance, this coverage will pay for your medical expenses and any property damages.
  • Comprehensive: If your vehicle is stolen or damaged in a non-collision accident, this coverage will pay the compensation.
  • Collision: If your vehicle gets damaged in an accident, whether you were at fault or not, this coverage will pay for the damages.

Optional Car Insurance Coverages

You can also consider getting the following optional car insurance coverage:

  • Loss of use: If you cannot use your vehicle while it is undergoing repairs after an accident, this coverage will reimburse you for renting a car or using public transit, ride-hailing services, and other alternative transportation modes.
  • Accident and minor violation forgiveness: Buying this coverage will offer you protection against a premium rate increase after being in an at-fault accident or getting penalized for a minor violation like speeding.
  • Good-as-new coverage: This new car replacement coverage serves as a safeguard if your vehicle is stolen or damaged in an accident. If anything untoward happens to your new vehicle in the first three years of your ownership, this Allied car insurance coverage will enable you to buy a replacement.
  • Gap coverage: If your vehicle gets stolen or damaged before you have paid off the car loan, this coverage will calculate the vehicle’s actual cash value and the amount of money you still need to pay for the loan. It will then pay off the difference.
  • Vanishing deductible: If you are in the safe driver category and have never caused a road accident or received a ticket, you can get lower Allied car insurance premium rates. You may also qualify for a lower deductible for collision or comprehensive coverage.
  • Total loss deductible waiver: If your car gets damaged beyond recovery in an accident, this coverage will pay for the collision or comprehensive deductible.
  • Roadside assistance: If your car breaks down and you find yourself stranded on the road, this coverage will pay for a professional technician to come inspect your car and assist you. It will also pay for a variety of repair services.

Allied Insurance Discounts

Allied Insurance offers the following discounts to its clients:

  • Multipolicy or bundle discount: If you decide to buy home insurance or life insurance and bundle those policies with your car insurance, you can get a bundle discount. You also get some perks, such as a free airbag replacement, free locksmith services in an emergency, and a free $10,000 accidental death benefit in the case of your death in a car accident that your policy covers. You also get a single deductible if the same event damages your car and home.
  • Multivehicle discount: Allied offers you a discount if you buy car insurance for multiple vehicles.
  • New vehicle discount: New car owners can get special discounts to help them offset the higher cost of insuring new vehicles.
  • Accident-free discount: If you do not have any driving accidents for an entire year, you can take advantage of this discount.
  • Good student discount: This discount is available to you if you are a student with an A or B GPA.
  • Prior carrier discount: If you were previously insured with another insurance company and are now buying a policy from Allied Insurance, you will get a discount for making the switch.
  • Farm Bureau discount: If you have a Farm Bureau membership in California, Delaware, Maryland, Ohio, or Pennsylvania, you can get a special discount. This discount is unique to Allied Insurance.

Allied Insurance’s affordable car insurance policies and benefits make it an attractive option in comparison with other top-level insurance companies. Still, it is always a good idea to compare multiple carriers to get the best price for your requirements.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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