Auto insurance

Allied auto insurance discounts

When you’re choosing an auto insurance company, it’s important to find out about the car insurance discounts it offers. With Allied, you’ll get affordable car insurance that rewards you for being a customer with cost-saving insurance discounts and unique benefits.

Car insurance discounts to save you money

We offer a variety of high-value discounts such as:

Multi-policy discount

Pay a lower monthly auto premium if you also have a life insurance or annuity contract with Nationwide. Or, if you have already bundled your home and auto policies, you can receive an additional discount by adding a life insurance policy.

Multi-vehicle discount

Save when you insure multiple vehicles with us.

New vehicle discount

Pay a lower premium for insuring a newer vehicle.

Accident-free discount

You could be eligible for a discount each year you drive without an accident.

Good student discount

Earn lower rates for students with a B average or better.

Easy Pay discount

Sign up for automatic payments and receive a one-time discount.

Prior carrier discount

New to Allied? By switching to one of our policies you may be eligible for a discount.

Farm Bureau discount

Get a premium discount on personal auto insurance and business auto insurance for being a customer of the Farm Bureau. Farm Bureau discounts are available in California, Ohio, Delaware, Maryland and Pennsylvania.

12-month rate lock

Insure both your car and home with Allied Insurance and your rate is locked for twelve months. Many companies guarantee car insurance rates for only six months, but with Allied you can guarantee your rates for a full year when you select an annual policy term.*

More customer benefits

As an Allied Insurance customer you’ll enjoy the Allied Extra which make it even more convenient to do business with us. You can also add Allied Rewards to further customize your auto insurance policy.

* Annual policies are not available in the state of Montana.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

The Allied Extra

When you bundle your home and auto insurance policies with Allied, you’ll be rewarded with the Allied Extra. We’re proud of these free conveniences and money-saving benefits designed to make your life easier.

The Allied Extra includes:

  • A single deductible – pay just one deductible for a covered claim when both your home and auto are affected by the same event.
  • Bonus emergency lockout coverage – we’ll cover locksmith charges if you’re locked out of your home or car.
  • Bonus airbag replacement – if your airbag deploys accidentally, we’ll pay to get you a new one.
  • Bonus accidental death benefit – we’ll pay $10,000 in the event of your death from a covered accident involving your auto.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Allied auto insurance deductible rewards

Vanishing Deductible®

Vanishing Deductible is an optional feature you can add to your policy to save on your auto insurance deductible if you get into an accident. Get $100 off your deductible for every year of safe driving, up to $500. Annual credits are subject to eligibility requirements and the maximum credit is $500. Details and availability vary by state.

Total loss deductible waiver

When you add the Total Loss Deductible Waiver to your policy, you won’t have to pay your deductible if your car is totaled. Total Loss Deductible Waiver is another optional feature that can be added along with Vanishing Deductible or by itself.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Allied Rewards – roadside assistance

When you’ve got roadside assistance coverage on your Allied auto insurance policy, you don’t need to worry if you get stranded on the road. You’re covered in any car – whether it’s insured on your policy or not.

Allied Insurance roadside assistance covers people, not cars. Every relative that lives with you* is covered, no matter what they’re driving – and even when they’re not driving. If a covered customer of your household is a passenger in someone else’s car, they can still use the Allied roadside assistance benefit.

Plus when you select roadside assistance coverage, you automatically receive access to Cross Country Perks – offering valuable discounts on dining, entertainment, pets, services, travel and more!

We offer two tiers of roadside assistance coverage:

Roadside assistance – Basic

  • Towing up to 15 miles
  • Fuel delivery
  • Lockout coverage
  • Jump starts
  • Flat tires
  • Cross Country Perks
  • Cost: About $10 per 6 month policy period

Roadside Assistance – Plus

  • Towing up to 100 miles
  • Trip interruption coverage
  • Turn-by-turn directions
  • Pre-trip map routing
  • Fuel delivery
  • Lockout coverage
  • Jump starts
  • Flat tires
  • Cross Country Perks
  • Cost: About $20 per 6 month policy period

*Excluded drivers are not covered.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Allied Rewards – Good-As-New

Good-As-New helps get you back on the road if your car is totaled. This coverage has two phases based on the age of your car:

New car replacement coverage

This coverage will give you the money to buy a brand new car if you’re involved in a covered accident that totals your vehicle. New car replacement coverage is in force until your car is 3 years old, then this coverage is replaced by GAP coverage.

GAP coverage

We’ll help pay the difference between the accident settlement and the amount you owe on the loan.

Not available in all states, Please contact your Allied agent for more details.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Allied Rewards – forgiveness

When you add forgiveness to your Allied auto insurance policy, we won’t raise your rates just because you get a ticket or get in an accident. This means you’ll save money if your driving history is good otherwise.

We offer two kinds of forgiveness.

Accident forgiveness

An accident won’t increase your rates – even if it’s your fault. With Allied accident forgiveness you’re allowed one forgiven accident every three years per policy.

Minor violation forgiveness

A minor traffic violation or ticket won’t increase your rates either. We’ll forgive one every three years per driver.

Best of all, unlike with our competitors, you don’t need to be a policyholder for years to be eligible for a forgiveness plan. With Allied, you’re covered immediately.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Allied Rewards

When you choose Allied you don’t just get auto insurance coverage – you get access to options we call Allied Rewards. You can choose the ones that make the most sense for you from our range of rewards.

Some of the categories of Allied Rewards include:

Forgiveness

Car accidents, minor violations, tickets – we’ll let some things slide without raising your rates. If you have a good driving history otherwise, you shouldn’t be penalized for a small mistake. Safe drivers can rest easier with our Accident Forgiveness option.

Good-As-New

If your car is totaled, we offer additional coverage to help pay off your loan and get a new car under our Good-As-New coverage. With this option, if your totaled car was less than three years old, we’ll give you money to pay for a brand-new vehicle. See your agent for details.

Roadside assistance

We won’t leave you stranded. Let us help if you have car trouble on the road – from towing to fuel delivery, jump-starts, flat tires and locked keys. Allied offers a basic roadside assistance coverage package as well as higher levels of protection should you require additional security.

Plus when you select roadside assistance, you automatically receive access to Cross Country Perks – offering valuable discounts on dining, entertainment, pets, services, travel and more!

Deductible savings rewards

Get rewarded with deductible savings for being a loyal customer and for safe driving. With Vanishing Deductible, you’ll save money for every year safe driving; with Total Loss Deductible Waiver, you won’t have to pay your deductible if your car is totaled.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Allied insurance collision coverage

When you’re insured with Allied, you can rest assured that we’ll help you get back on the road after an accident.

Collision coverage pays to repair covered physical damage to your car if it’s damaged by a collision with another object. When you insure your car with Allied Insurance, you’ll get collision plus optional additional coverage so you can customize your policy to match your needs.

Loan/lease gap coverage

If you have Loan/lease gap coverage from Allied Insurance, it helps reduce out-of-pocket expenses if your car is totaled. This coverage helps pay the difference between what you owe on your lease or loan and the actual cash value of your covered car.

Special physical damage coverage

When your car is damaged, you want the most peace of mind. With Special Physical Damage coverage, the damaged property will be replaced with new original equipment manufactured parts, whenever available.

Good-As-New

Our optional Good-As-New coverage helps get you back on the road if your car is totaled.

Rental reimbursement

Basic Loss of Use coverage pays for a rental car or other transportation (such as bus or subway) if your car can’t be driven following an accident. Rental Days Plus is a free enhancement to the Loss of Use coverage that can provide unlimited days of rental car coverage – no matter how long it takes for your car to be repaired – if you use a preferred auto repair shop and a preferred rental car provider after an accident.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Allied insurance comprehensive coverage

A car accident isn’t the only thing that can damage your vehicle. That’s what comprehensive insurance coverage is for – it pays to have your car repaired when it’s damaged by other covered things like fire, theft, glass breakage, falling objects or vandalism. When you choose Allied, our auto insurance coverage will help you get your car back on the road after a loss. You can select comprehensive coverage plus other optional coverage that you can use to customize your policy so it’s right for you.

Loan/lease gap coverage

Loan/lease gap coverage from Allied Insurance helps reduce out-of-pocket expenses if your car is totaled. This option helps pay the difference between what you owe on your loan or lease and the replacement value of your car.

New car replacement

If your car is totaled, many insurers won’t pay out the full value of your vehicle. At Allied, we don’t want you to get shortchanged in the event of an accident. With new car replacement coverage, you’ll be protected from losing money because of vehicle depreciation following an accident.

Rental reimbursement

Basic Loss of Use coverage pays for a rental car or other transportation (such as bus or subway) if your car can’t be driven following an accident. Rental Days Plus is a free enhancement to the Loss of Use coverage that can provide unlimited days of rental car coverage – no matter how long it takes for your car to be repaired – if you use a preferred auto repair shop and a preferred rental car provider after an accident.

Special physical damage coverage

When your car is damaged, you want the most peace of mind. With special physical damage coverage, the damaged property will be replaced with new original equipment manufactured parts, whenever available.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Allied car insurance coverage

When you work with Allied Insurance, you can be assured that we’ll help you choose the right coverage. We don’t offer a one-size fits all car insurance policy – instead, your agent works with you to help you determine the coverage you need to create an auto insurance policy customized just for you.

Liability insurance

Liability insurance covers certain amounts for which you may be legally liable for bodily injury or property damage due to a covered accident, like pain and suffering or damages to another person’s car.

Medical payments

Medical payments coverage pays certain medical bills for you and for passengers in your own car if they’re injured in a covered accident. It also provides protection for covered losses if you’re in a covered accident involving a car while on foot.

Uninsured/underinsured motorists coverage

Uninsured motorists coverage provides bodily injury coverage if you or your passengers are injured by a hit-and-run driver or someone without auto insurance. It also covers you if you’re in an accident while on foot.

Underinsured motorists coverage fills in the gaps if you’re in an accident with someone who doesn’t have enough car insurance to cover your losses.

Personal injury protection

Personal injury coverage pays in the event of a covered injury, death, loss of services, or loss of income suffered by you, your covered passengers, or covered family members. (This is not available in all states).

Other auto insurance coverage to consider

We offer comprehensive coverage and collision coverage to help pay for damage to your car.

Basic Loss of Use (also known as Rental Reimbursement) pays for a rental car or other transportation (such as bus or subway) if your car can’t be driven after an accident. Rental Days Plus is a free enhancement to the Loss of Use coverage that can provide unlimited days of rental car coverage.

Allied auto insurance customer benefits

As an Allied Insurance customer you’ll enjoy the Allied Extra which makes it even more convenient to do business with us. You can also add Allied Rewards to further customize your auto insurance policy.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Allied-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

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