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Allied Insurance review 2022

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Bottom line: Overall, Allied Insurance has some favorable qualities, but also has a few limitations. For example, Nationwide — which Allied is merged with — does not have consistently high third-party customer satisfaction ratings.

Allied Insurance was founded in 1929 under the brand name Allied Mutual Automobile Association. In 1998, the company merged with Nationwide, which is the 10th largest insurance provider based on market share, according to the Insurance Information Institute. Under the Nationwide umbrella of companies, Allied offers a variety of different insurance products, including auto, home and life insurance.

Allied Insurance was previously available in 33 states prior to its merger with Nationwide, where it did not sell coverage across most of the Northeast and some southern states. However, its coverage availability now extends to nearly all states after being backed by Nationwide. This Bankrate Allied insurance review will give you a brief overview that may better enable you to determine if this insurer offers the right products for your needs.

Allied car insurance

With an Allied car insurance policy through Nationwide, widely regarded among the best car insurance companies, your options range from a basic policy that meets minimum liability requirements to more robust coverage and financial protection. In addition to minimum coverage and full coverage car insurance policies, there are also several add-ons for additional protection, like accident forgiveness, gap insurance, rental car reimbursement coverage and towing and labor coverage.

You can get a quote online or call an agent to get a cost estimate.

Discounts

Allied Insurance advertises a few useful discounts on its website, such as multi-policy, accident-free and good student. However, more may be available through its connection to Nationwide, so it could be worth speaking to an insurance agent that represents the company to see all the savings applicable to your policy.

Allied home insurance

Allied offers excellent home insurance options through Nationwide. Allied home insurance includes all the standard types of coverage, like dwelling, personal property and liability insurance, with the option to purchase additional endorsements. Allied’s unique add-ons include things like credit card coverage, brand new belongings coverage, better roof replacement coverage, identity theft insurance and extended replacement cost coverage, among others.

Discounts

While additional discounts may be offered based on Allied’s affiliation with Nationwide, Allied’s website does mention a multi-policy discount for policyholders who bundle it with an auto insurance policy.

Allied life insurance

The Allied insurance company also offers life insurance policies through Nationwide to help protect your family’s financial future in the event of your passing. Some of the Allied life insurance policies also offer perks beyond a death benefit payout.

Types of policies offered

  • Term: This is life insurance protection for a set period of time, usually between 10 and 30 years.
  • Whole: This offers permanent life insurance for as long as premiums are paid. There is also an added cash value benefit.
  • Universal: This type of permanent life insurance provides a death benefit and cash value account with no expiration date and flexible payment options.
  • Variable: This type of permanent life insurance has a cash value account that may be invested for higher growth.

Where does Allied operate?

Prior to its merger with Nationwide, Allied offered insurance in 33 states. Now, joined with Nationwide, Allied’s coverage extends to most U.S. states. Allied and Nationwide are not available in fewer than 10 states, between home and auto.

Allied ratings, reviews, customer satisfaction and complaints

As its insurance products are now sold through Nationwide, Allied receives the benefit of affiliation with the top-rated insurer in some aspects. In the 2021 J.D. Power Life Insurance Study, for example, Nationwide ranked second for customer satisfaction out of 21 companies, receiving 813 out of 1,000 points. In addition, AM Best assigned Nationwide an A+ (Superior) rating for financial strength, reflecting the insurer’s historical ability to satisfy financial obligations to policyholders. Having policies backed by Nationwide may lend additional confidence to Allied policyholders.

Nationwide did not fare as well for overall auto and home customer satisfaction in the 2021 J.D. Power studies, with below-average scores for both. As for customer complaints, Nationwide has a lower-than-baseline number of complaints as reported by the National Association of Insurance Commissioners, with an overall index of .92. However, this index indicates the parent company may have room for improvement in meeting customer needs, which could also impact Allied policyholders.

Allied policyholders were able to use a mobile app to manage their insurance policies, which had decent to positive ratings for its app among Android and iOS users, respectively. Fortunately, Nationwide has higher ratings on both the Google Play Store and App Store.

Reasons why Allied is a good option

Getting a car, life or a home insurance policy from Allied could be a great experience, based on Allied’s relationship to Nationwide and having options to work directly with an agent or handle your policy digitally. Because multiple insurance lines are offered, those seeking to bundle their policies with a single insurer may also find working with Allied through Nationwide to be a convenient option.

However, Allied products through Nationwide may not be the ideal fit for everyone, so it may be helpful to compare the carrier against multiple companies based on third-party agency rating agencies, such as AM Best and J.D. Power, to see how well your preferred insurance products stack up.

Additional policies offered by Allied

In addition to car, home and life insurance, Allied gives customers access to other insurance products. Additional policies include:

  • Business insurance
  • Farm/ranch insurance
  • Motorcycle insurance
  • Boat insurance
  • RV insurance
  • Snowmobile insurance
  • ATV insurance
  • Umbrella insurance

Product availability may vary by state.

Frequently asked questions

Methodology

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor