Available only to residents in California, Alliance United Auto Insurance provides coverage to those who otherwise might not be able to obtain it, like drivers who need an SR-22 or those who have a suspended license. Its options are on the more basic side when it comes to insurance services, but its offerings meet the needs of drivers with less than perfect records on the road.
Who Benefits Most and Least from Alliance United Insurance?
- Drivers with an SR-22 and/or a suspended or revoked license
- Individuals looking for basic coverage with competitive rates
- Those who want assistance from an insurance agent when enrolling
Not the Best For…
- Shoppers looking for multiple policy types including home or life insurance
- Customers who want an extensive range of coverage options
- People who require fast and consistent responses from customer service
Alliance United: Should you actually “say hello to auto insurance you can afford?”
Unique driving records call for specific insurance offerings, and Alliance United is proud to offer a solution to California residents who have trouble finding affordable insurance. Individuals with a history of lapsed coverage, poor credit, or a DUI on their record will likely be able to obtain insurance through Alliance United at relatively affordable rates.
However, if you’re interested in robust features or need a policy that will offer coverage when you need it most, you may want to look elsewhere. Alliance United’s auto policies are rather bare-bones, as is its level of customer service. While you might be in a pinch when it comes to coverage eligibility, keep in mind that the company has a very poor track record of customer satisfaction.
Alliance United Car Insurance Quotes and Discounts
On the surface, a low price from an auto insurance company might seem appealing, but do you really know what you’re paying for? Just like its competitors, Alliance United provides several different discounts for auto insurance, and its rates could vary based on your specific driving history.
Rather than simply opting for the first policy you come across, consider visiting a quote comparison website Insurify before making a purchase. With the ability to compare up to 10 different companies at once, you’ll be able to see if Alliance United really offers the best coverage for your needs at the lowest price.
Auto Insurance Quotes Comparison: Alliance United vs. Competitors
Insurify’s data team stacked up average car insurance quotes from Alliance United, Progressive, and GEICO in California, to see how Alliance United’s quotes stacked up to those from its larger competitors.
These are the average quotes for California drivers with a speeding ticket on record:
Insurance company Quote
Alliance United $95/month
Finally, these are the average quotes for a California driver with an at-fault accident on record:
Insurance company Quote
Alliance United $146/month
These quotes are based on average data gathered across a variety of driver profiles and driver histories. Your personal quote from these companies may be very different based on your circumstances and driving history. You never know which company could give you the best deal for the lowest price, so you should always compare quotes before making a decision.
This process is much easier if you use a comparison website like Insurify, which gathers quotes from up to 20 different companies and allows you to customize, compare, and buy your car insurance within minutes.
Drivers Can SAVE with these Discounts from Alliance United
Looking for discounts is essential when you’re shopping for auto insurance, especially if you know your rates will be higher due to a DUI or multiple accidents on your record. While Alliance United offers competitive pricing already, it also aims to build in even more savings with discounts for good drivers, older drivers, drivers with many cars or many drivers on their policy, and drivers renewing their policy.
States Where Alliance United Car Insurance is Offered
Alliance United only offers coverage to drivers in California, but as it was acquired by Kemper Auto in 2015, there’s a possibility for more extensive coverage areas in the future. Drivers should keep in mind that policies from Alliance United meet the minimum requirements in California and may not fulfill coverage limits in other states.
Click here to find the cheapest car insurance quotes in your state.
Alliance United Auto Insurance Coverages
Unlike other insurance providers who offer an array of full-coverage options, Alliance United focuses on providing drivers with the minimum level of benefits according to California regulations. Rather than making sure you’ll come out ahead after an accident or a total loss, you can think of the coverage options as the bare minimum needed to get you on the road:
If you’re in an auto accident and are found liable for damage to other car or need to pay for the other party’s medical bills, liability coverage will help you cover those costs. This policy has two facets that pay toward the other party’s expenses after a collision, with property damage addressing their vehicle and bodily injury helping with their doctor bills. Alliance United offers a range of monetary limits for both types of coverage, depending on how much protection you’d like.
Uninsured Motorist Coverage
Even the safest drivers can end up in an auto collision, and while you might have enough coverage to handle associated expenses, what if the other person doesn’t? Uninsured motorist coverage provides you with financial relief if the at-fault driver in an accident either has no auto insurance at all or their level of coverage is too low to adequately pay for your damages.
Collision and Comprehensive Coverage
Alliance United will cover any damage to a covered vehicle if it collides with another car or object. It will also cover damage your car may sustain due to contact with an animal (like a bird, or deer), an earthquake, flood, hail, fire, missiles, riots, theft, or vandalism.
Other Special Auto Coverages Offered by Alliance United Insurance
Customers looking for a rich set of coverage options from an auto insurance company may not find what they’re looking for from Alliance United, as the company offers only basic policies. If you have poor credit, a lapse in coverage history, or a history of DUIs or multiple accidents, you may have to wait for your driving record to improve before selecting a company with special options.
Other Insurance Products Offered by Alliance United Insurance
Alliance United Insurance Company is managed by Kemper Corporation, and while this organization does offer an array of other insurance products, Alliance United does not. At this time, its only available products are basic auto policies.
How Can I Buy Auto Insurance from Alliance United?
Priding itself on its relationship with over 900 individual brokers, Alliance United requires customers to connect with an insurance agent to purchase or manage their coverage. Many drivers are used to being able to generate a quote and make a purchase online, but Alliance United has completely eliminated that functionality from its website and instead encourages direct contact with a broker.
Keep in mind that even an insurance broker may not be able to provide you with the best pricing and discounts for your specific insurance needs, so it’s best to do some research before enrolling with Alliance United. Head over to Insurify to compare multiple quotes at once and learn more about your policy options.
How Can I Pay for My Alliance United Car Insurance Policy?
Making a payment toward your auto policy is easy, as Alliance United offers a range of options. Customers can utilize any one of the following:
- EFT using a checking or savings account, debit, or credit card
- Paying online with an e-check, credit, or debit card
- Mailing a check, money order, or cashier’s check to:
P.O. Box 660420
Dallas, TX 75266-0420
- Sending payment via Money Gram
Customers can select to pay their policy premium every month or are welcome to pay in full upon enrollment.
How Often Will Alliance United Increase My Premiums?
Most auto insurance companies tend to raise rates from time to time, as policy prices are influenced by a large number of factors.
While Alliance United doesn’t specifically state if and when your rates will change, it’s likely that an at-fault accident could cause your payment to increase. If you’re concerned about fluctuations in your monthly bill, it’s best to contact your independent broker to get a better idea of what to expect.
How Does Alliance United’s Claims Process Work?
If you’ve ever been involved in an auto accident, you know how stressful it can be. Thankfully, Alliance United knows that filling out paperwork is likely the last thing on your mind, so it makes the claims process exceptionally easy. Customers can choose to file a claim in one of the following ways:
- Visit www.allianceunited.com and click “Report A Claim.” You can launch Kemper Kay, the chatbot, to file your claim easily
- File your claim online at www.kemper.com
- Begin the process by calling 1 (800) 508-5833 between 7 am and 8 pm PST any day of the week
Unfortunately, the claims process is one of the most complained about aspects of Alliance United’s service, as customers find that response time is very slow. If you do file an accident claim, make sure to follow up with your insurance broker often for updates and guidance during the process.
How Can I Cancel My Alliance United Car Insurance Policy?
Drivers who find more appropriate auto insurance options through another company might want to cancel their policy with Alliance United and can do so by contacting their local broker. While the company doesn’t explicitly state that there is no fee for cancellation, it’s best to inquire about this before ending your coverage.
It’s important to remember that you must have a policy that meets the minimum requirements if you want to drive in California, so make sure to find a replacement option before you cancel your coverage from Alliance United. To locate the best rates and policy offerings for your needs, visit Insurify, and compare quotes from up to 10 companies at once.
How Much Does Uber/Lyft Coverage Cost with Alliance United?
Driving for a ridesharing company is a popular way to earn extra income, but being on the road so much naturally brings along with it a higher level of risk.
Many auto insurance companies do not offer rideshare coverage for individuals who drive for Uber or Lyft, and Alliance United falls right in line with that limitation.
If you do need additional coverage for ridesharing, check out our guide to
Insurance Companies Similar to Alliance United
Not all insurance companies will provide coverage to people with less than great driving records, so if you need an SR-22 or have numerous accidents to your name (even if you weren’t at fault), your options could be limited. Residents in California find that Safeco offers coverage to higher-risk drivers and provides far more options than Alliance United. While prices may or may not be comparable, it’s an option to consider if you’re looking for more than basic coverage.
Drivers who appreciate working with a local agent might also find success through The General, an insurance provider that advertises low rates and has a fairly strong customer satisfaction rating. The General provides specific coverage for drivers with an SR-22, making it another great option. Not only does it feature auto insurance policies, but you can also find products for commercial, life, or home insurance.
According to Insurify’s internal database of over 2 million car insurance applications and analysis of external sources, drivers most often switched to Alliance United from the following companies:
And drivers who previously held Alliance United auto insurance policies and decided to go with a different company most often switched to the following providers:
- National General
Alliance United Customer Satisfaction and Policyholder Reviews
High-risk drivers don’t have as many options when it comes to auto insurance coverage, yet that doesn’t mean they deserve anything less than stellar customer service. It seems as if your individual experience with Alliance United will largely depend on who your broker is and how he or she conducts business.
Those who are satisfied with their coverage note that their rates are competitive and reasonable. Many describe their broker as incredibly knowledgeable and helpful throughout the enrollment process.
Unfortunately, Alliance United hasn’t won everyone over, and the company currently has a one-star rating on the Better Business Bureau website. Issues with claims appear to happen so regularly that often the only way customers can actually receive compensation after an accident is to take the company to court. A bulk of negative reviews also came from drivers who had been hit by others insured with Alliance United.
Alliance United Mobile App Review
As a company that doesn’t rely too heavily on technology to help attract new customers, it’s no surprise that Alliance United’s mobile app isn’t exactly feature-rich. By logging into your account, you can access your policy status, find proof of insurance, and make a payment.
Much like customer reviews about the company as a whole, Alliance United’s app doesn’t have many stellar remarks either. Google device users state that information won’t load, and some can’t even log in at all. Reviews from Apple users are similar.
App store Ratings (Out of 5) User reviews
Mobile App (iOS) 2.3 27
Mobile App (Android) 2.4 27
Frequently Asked Questions: Alliance United Car Insurance
Does Alliance United cover rental cars?
Customers utilizing a rental car can rely on some benefits from their auto policy; however, only liability coverage will carry over. If you want a larger amount of coverage, contact your broker.
Is Alliance United a good company?
Alliance United meets the needs of high-risk drivers with policies designed to get you back on the road. Customers can enjoy working closely with an independent broker to ensure appropriate coverage levels.
How can I compare Alliance United’s prices with another insurance company?
Auto insurance rates can become complex when you have an SR-22, poor credit, or other driving concerns, so it’s important to do your research before making a purchase. Visit Insurify to compare prices from Alliance United to other companies and find out if its rates are the best option for you.
Is Alliance United the cheapest car insurance in your area?
When your driving history is less than perfect, it can be tough to find cheap car insurance. Alliance United offers California residents basic coverage options that help you get back on the road without many of the bells and whistles you see from other insurers. Based upon your driving record, its rates might be the cheapest in your area, but the only way to know for sure is to visit Insurify.
You’ll be able to compare car insurance quotes across multiple companies and determine which policy best fits your budget!
Alliance United Auto Insurance Overview
The roots of Alliance United actually date back as far as 1997 under the name Millennium Insurance Company. It began issuing auto policies in 1998 and was purchased by Alliance United Group in 2004, thus changing its name to Alliance United Insurance Company. Based in the greater Los Angeles area, it only offers auto coverage to California residents.
The company relies heavily on over 900 independent brokers across 2,000 locations in California, as this is the only way that customers can enroll in a policy. While anyone can purchase insurance from Alliance United, it caters to individuals with high-risk records, including DUIs, lapses in coverage, and multiple accidents.
Some drivers are satisfied with their policy from Alliance United; however, the company has a plethora of very poor customer service reviews. It seems that if you don’t need to file a claim or make changes to your policy, then you’ll have a decent experience, but if you’re involved in an accident, you may not ever have your claim resolved without hiring an attorney.
Alliance United Contact Information
Customer service and underwriting phone number 1 (866) 530-5500
Customer service email address firstname.lastname@example.org
9121 Oakdale Ave
Chatsworth, CA 91311
P.O. Box 280339
Northridge, CA 91328
P.O. Box 6042
Camarillo, CA 93011
Claims service phone number
1 (800) 508-5833
Claims address P.O. Box 2927
Clinton, IA 52733
Website URL www.allianceunited.com