Alliance United Auto Insurance Review [2024]
Alliance United Auto Insurance, a California-focused provider, prioritizes offering cost-effective coverage to drivers, with rates often more affordable for minimal protection compared to many competitors.
Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Alliance United
Average Monthly Rate For Good Drivers
$135A.M. Best Rating:
AComplaint Level:
LowPros
- Affordable rates for minimal coverage.
- Strong A.M. Best rating.
Cons
- Higher than average number of complaints compared to similarly-sized competitors.
- Customers can only purchase coverage through an insurance agent.
- Alliance United Insurance focuses on the minimum coverage
- Alliance United Insurance has more complaints than most competitors
- Alliance United Insurance has been rated an A by A.M. Best
Alliance United provides auto insurance to customers in California. The company has competitive rates and a strong A.M. Best rating but has more complaints than competitors of a similar size.
Knowing more about Alliance United Insurance will help you decide if the company is a good option for you.
Before jumping into this Alliance United Insurance review, enter your ZIP code to find free car insurance rates in your area.
What You Should Know About Alliance United Insurance Company – A Kemper Company
Credit rating agencies regularly rate insurance companies based on their financial strength. Comparing the ratings allows customers to determine if the company is likely to provide a payout when customers file a claim.
Kemper Alliance United has been rated an A by A.M. Best, the most trusted credit rating agency. The agency describes this rating as excellent, indicating that the company will provide a payout in most circumstances.
Additionally, the Better Business Bureau (BBB) rates companies based on their business practices. Alliance United has been rated an A+ by the BBB, indicating that the company is transparent when dealing with customers.
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Does Alliance United Insurance have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. Examining these reviews will help you determine the company’s quality of service.
At the time of this review, the BBB has received 435 complaints about Alliance United Insurance. Of the 435 complaints, 350 are about the company’s products or services. The second most common complaint is about the company’s billing practices.
According to the NAIC, Alliance United has a complaint index ratio of 27.72. This number indicates that the company has far more complaints than a similarly-sized competitor.
While Alliance United has a large number of complaints, looking through the individual grievances will help you determine if they should be a concern for you.
How can you buy Alliance United Insurance?
Customers looking to buy Alliance United auto insurance must go through an insurance agent. The company works with over 900 insurance brokers. Unfortunately, the company doesn’t allow customers to receive a quote or purchase coverage through their website.
How can you make Alliance United Insurance payments?
Customers can make an Alliance United payment in multiple ways, including through electronic fund transfer or by mail. The best option depends on your personal preference. Those that prefer to pay online can do so by using a:
- Checking account
- Savings account
- Debit card
- Credit card
- E-check
Other options include sending money via MoneyGram or by mail. Customers can pay by mail with a check, money order, or cashier’s check. Customers choosing this option should send their payment to:
P.O. Box 660420
Dallas, TX
75266-0420
Customers have the option of making a monthly payment or paying in full.
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How do you file Alliance United Insurance claims?
Alliance United provides three ways for customers to file claims. You can either report a claim to the company website, the parent company’s website, or by phone. To file a claim online, you can visit the claims page at one of the following websites:
- www.allianceunited.com
- www.kemper.com
If you prefer to file your claim over the phone, you can reach an Alliance United Insurance customer service representative at 1-800-508-5833. Representatives are available seven days a week between 7:00 a.m. and 8:00 p.m. (PST).
What is Alliance United Insurance?
Alliance United Insurance was founded in 2004, focusing on providing minimally-required auto coverage to drivers in California. The company was purchased in 2015 by the Kemper Corporation. (For more information, read our “Kemper Corporation Insurance Review“).
Now owned by Kemper, Alliance United still only provides coverage in California but could be expanding soon.
Alliance United Insurance Company – A Kemper Company Insurance Coverage Options
Alliance United focuses on providing drivers with the minimally-required coverage in California. As a result, the company offers fewer coverage options than most competitors. However, drivers can still receive a full coverage policy, ensuring they’re ready for any situation.
Insurance companies price coverage individually, so drivers can choose which coverage types they prefer. For this reason, it’s essential to know which coverages are offered by each company. The following table shows the primary options offered by Alliance United.
Alliance United Insurance Auto Coverages
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
Alliance United offers fewer options than most other companies. However, since the company focuses on providing the minimum amount of coverage, drivers with poor credit or a bad driving record are more likely to find approval from the company.
Currently, Alliance United only offers auto coverage. However, the parent company, Kemper Corporation, offers additional options, like commercial, renters, and home insurance.
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Alliance United Insurance: The Bottom Line
Alliance United provides drivers in California with auto insurance. Despite focusing on the minimally-required coverage, customers can receive additional insurance options. The company has strong ratings by A.M. Best and the BBB but has more complaints than most competitors.
Learning more about Alliance United Insurance will help you decide if the company is a good fit.
Now that you know about Alliance United Insurance, enter your ZIP code to get free car insurance quotes in your area.
Alliance United Insurance Company – A Kemper Company Insurance Rates Breakdown
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| Driver Profile | Alliance United | National Average |
|---|---|---|
| Clean Record | $110 | $119 |
| 1+ Ticket | $150 | $147 |
| 1+ Accident | $180 | $173 |
| DUI | $300 | $209 |
| Poor Credit | $189 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Auto insurance companies use several factors to determine the risk of drivers. Those considered less risky to insure will receive lower rates. Some of the most common aspects used to assess the risk of drivers include:
- Age
- Gender
- Vehicle
- Credit history
- Driving record
The best way to ensure that you’re receiving low rates is to compare quotes from various companies. The following chart shows the average full coverage and minimum coverage Alliance United auto insurance rates compared with other companies in California.
Alliance United Insurance Average Annual Full Coverage and Minimum Coverage Rates vs. Other Companies in California
| Company | Average Annual Full Coverage Rates | Average Annual Minimum Coverage Rates |
|---|---|---|
| AAA | $1.948 | $672 |
| Alliance United | $2,359 | $595 |
| Allstate | $1,896 | $705 |
| American Family | $1.218 | $542 |
| Farmers | $1,540 | $587 |
| Geico | $1,260 | $416 |
| Nationwide | $1,533 | $566 |
| Progressive | $1,910 | $769 |
| State Farm | $1,681 | $681 |
| Travelers | $1.769 | $752 |
| USAA | $1,484 | $539 |
As you can see, you can find affordable Alliance United auto insurance quotes for minimum coverage. However, the company is more expensive than most competitors when drivers add more policy options.
Alliance United Insurance Company – A Kemper Company Discounts Available
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| Discount | Alliance United |
|---|---|
| Anti Theft | 7% |
| Good Student | 15% |
| Low Mileage | 10% |
| Paperless | 5% |
| Safe Driver | 18% |
| Senior Driver | 8% |
Auto insurance can be expensive if you are considered a risky driver. Fortunately, you can lower your rates by combining multiple discounts. The common discounts offered by insurance companies depend on various factors, including your:
- Age
- Driving record
- Lifestyle
- Policy
The following table shows Alliance United auto insurance company discounts.
Alliance United Insurance Auto Discounts
| Auto Discount | Discount Description |
|---|---|
| Multi-car/multi-driver | A discount for each vehicle on the multi-car/multi-driver policy, as long as all the vehicles are one the same policy and garaged at the same address. |
| Good driver | A 20% discount for drivers who have been licensed for the past three years and don't have more than one DMV violation point and/or one at-fault accident during that time. |
| Renewal | A discount is automatically applied to renewed policies that qualify. |
| Mature driver | For customers aged 55 and older who have completed an approved driver-improvement course in three years. |
Alliance United offers fewer discounts than most competitors. However, these discounts are available for most drivers, and combining them will lower your rates.
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Frequently Asked Questions
What is Alliance United Auto Insurance?
Alliance United Auto Insurance is an insurance company that provides auto insurance coverage to drivers in California. The company was founded in 2004 and was later acquired by Kemper Corporation in 2015.
What is the A.M. Best rating of Alliance United Auto Insurance?
Alliance United Auto Insurance has an A.M. Best rating of A, which is considered excellent and indicates that the company is financially stable and is likely to pay out on claims.
Does Alliance United Auto Insurance have any complaints?
At the time of this review, the Better Business Bureau (BBB) has received 435 complaints about Alliance United Auto Insurance, with the majority of them relating to the company’s products or services. Additionally, the National Association of Insurance Commissioners (NAIC) reports that Alliance United has a complaint index ratio of 27.72, which is higher than similarly-sized competitors.
What should I do if I have a complaint or concern about Alliance United Insurance?
If you have a complaint or concern about Alliance United Insurance, you can contact their customer service department at 1-800-508-5833. Alternatively, you can reach out to the Better Business Bureau or the National Association of Insurance Commissioners to file a complaint.
How can I make Alliance United Auto Insurance payments?
Alliance United Auto Insurance customers can make payments via electronic fund transfer or by mail. Payments can be made online using a debit or credit card, or through MoneyGram, or by mail using a check, money order, or cashier’s check.
How do I file an Alliance United Auto Insurance claim?
Alliance United Auto Insurance allows customers to file claims online through the company website or the parent company’s website, or by phone by calling 1-800-508-5833. Representatives are available seven days a week between 7:00 a.m. and 8:00 p.m. (PST).
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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jsalas
Horrible auto insurance!
tinkunicorn
great
mglib
Happy with this service!
Scottwalt
Great and easy
saintmarco
Best auto insurance for the average american
ThomasVitacco
We Unite
AnonymousLG
The No Call Back Lack Of Compassion Company
Stela
Alliance Ins cancels policy-takes 4 days to notify insured.
vero13
stay away
Simontoyou
[REDACTED WORD] alliance united