Alliance United Insurance Review & Complaints: Car Insurance (2024)
The Alliance United Insurance Company provides high-risk drivers in California with affordable car insurance coverage. While the Alliance United Insurance Company can provide you with SR-22 documentation if you need it, you will be charged a fee. Alliance United also charges processing fees for taking payments over the phone, online, or via auto withdrawals. If you need to find a cheap insurance policy, you can shop online to find a policy that suits your needs.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Feb 8, 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 companies please enter your ZIP code on this page 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 8, 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 companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Alliance United provides car insurance to high-risk drivers
- Alliance United charges a lot of fees for basic services
- You can shop online to find cheap insurance
Trying to find car insurance after being charged with a DUI or any other major moving violation can be difficult. Luckily, there are companies dedicated to providing insurance to high-risk drivers, like the Alliance United Insurance Company, that can help you get the coverage you need to legally get back out on the road.
While Alliance United Insurance’s customer service may be lacking, this insurance company will be able to help you with your SR-22 documents and other insurance coverages you need to protect yourself and your car.
Improving your insurance education is key to helping you find the best insurance policy, so keep reading to learn more about Alliance United and all that it can offer you.
While you educate yourself on the Alliance United Insurance Company, you can enter your ZIP code to start comparing free quotes right away.
Who is the Alliance United Insurance Company?
California drivers who have a checkered driving history can turn to Alliance United, which has been bought by Kemper Auto, for coverage. It should be noted that while this company received an A- rating from A.M. Best, it only has a B- rating from the Better Business Bureau. This less-than-stellar rating may indicate that Alliance United clients are not completely satisfied with the services provided by this company.
Alliance is also known to charge an exorbitant amount in fees. So, even if you are initially offered a low rate, you could find that your bank account ends up being drained by the fees Alliance charges for an Alliance United Insurance Company Payment via automatic billing, SR-22 filing, and monthly payment plans. You could even be charged a fee when you call the Alliance Insurance phone number to make a payment.
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What coverages does Alliance United Insurance Company offer?
You can purchase a liability-only or a full coverage policy from Alliance United, and the company does offer add-ons like roadside assistance and rental reimbursement. It’s also worth noting that the company website doesn’t offer much information regarding policy pricing. Still, if you like to get an idea of what you might pay for insurance, you can review this chart, which illustrates the average rates major insurance companies offer for different coverage levels:
| Company | Annual Rates with Low Coverage | Annual Rates with Medium Coverage | Annual Rates with High Coverage |
|---|---|---|---|
| USAA | $2,445.50 | $2,746.50 | $2,892.32 |
| Geico | $2,612.92 | $2,918.45 | $3,127.30 |
| Progressive | $2,555.04 | $2,936.65 | $3,061.73 |
| Liberty Mutual | $2,824.01 | $3,061.95 | $3,219.54 |
| State Farm | $3793.44 | $4,273.41 | $4,541.30 |
A great strategy to find cheap, reliable coverage is to request free quotes from at least five different companies. This way, you can compare car insurance quotes from the comfort of your own home. With the data in front of you, you’ll be able to ascertain which insurance company can offer you the most coverage for the lowest rates and which companies provide the best discounts.
Does Alliance United Insurance Company offer drivers discounts?
Alliance United offers discounts for being a good driver as well as for customers listing multiple drivers or multiple cars on the same policy.
This is a paltry amount of discounts when compared to other insurance companies. Below, you can see just how many more discounts other insurance companies have to offer you:
Car Insurance Discounts by Company
| Auto Insurance Discounts | 21st Century | AAA | Allstate | American Family | Ameriprise | Amica | Country Financial | Esurance | Farmers | Geico | Liberty Mutual | MetLife | Nationwide | Progressive | Safe Auto | Safeco | State Farm | The General | The Hanover | The Hartford | Travelers | USAA | Sources: |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | x | x | x | x | https://www.21st.com/car-insurance-by-state.htm | ||||||||||||||||||
| Adaptive Headlights | x | x | x | x | x | x | x | x | https://autoclubsouth.aaa.com/Insurance/Auto_Insurance_Quote.aspx | ||||||||||||||
| Anti-lock Brakes | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.allstate.com/auto-insurance/auto-insurance-discounts.aspx |
| Anti-Theft | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.amfam.com/resources/discounts |
| Claim Free | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.ameriprise.com/auto-home-insurance/Costco/insurance-choices/auto/auto-insurance-discounts.asp |
| Continuous Coverage | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.amica.com/en/products/auto-insurance/discounts.html | |||||||
| Daytime Running Lights | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.countryfinancial.com/en/insurance/auto-recreational/auto.html | ||||
| Defensive Driver | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.esurance.com/insurance/car/discounts |
| Distant Student | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.farmers.com/faq/discounts/#autodefinitions | |||||||
| Driver's Ed | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.geico.com/save/discounts/car-insurance-discounts/ | ||
| Driving Device/App | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.libertymutual.com/auto/affordable-car-insurance | ||||||||
| Early Signing | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.metlife.com/insurance/auto-insurance/car-insurance/ | ||||||||
| Electronic Stability Control | x | x | x | x | x | x | x | x | x | https://www.nationwide.com/car-insurance-discounts.jsp | |||||||||||||
| Emergency Deployment | x | https://www.progressive.com/auto/car-insurance-discounts/ | |||||||||||||||||||||
| Engaged Couple | x | https://www.safeauto.com/about/faqs | |||||||||||||||||||||
| Family Legacy | x | x | x | x | x | x | https://www.safeauto.com/car-insurance/car-insurance-for-teens | ||||||||||||||||
| Family Plan | x | x | x | x | x | https://www.safeco.com/auto-insurance/discounts | |||||||||||||||||
| Farm Vehicle | x | x | x | x | https://www.statefarm.com/insurance/auto/discounts | ||||||||||||||||||
| Fast 5 | x | https://www.thegeneral.com/car-insurance/basics/cheap-flexible/ | |||||||||||||||||||||
| Federal Employee | x | x | x | x | https://www.hanover.com/connections-smart-savings.html | ||||||||||||||||||
| Forward Collision Warning | x | x | x | x | x | x | x | https://www.thehartford.com/aarp/car-insurance | |||||||||||||||
| Full Payment | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.travelers.com/personal-insurance/auto-insurance/discounts-advantages.aspx | |||||
| Further Education | x | x | x | x | x | x | x | x | x | https://www.usaa.com/inet/wc/advice-auto-lowerautoinsurance | |||||||||||||
| Garaging/Storing | x | x | x | x | x | x | https://www.usaa.com/inet/wc/faq_Automatic_License_index | ||||||||||||||||
| Good Credit | x | x | x | x | https://www.usaa.com/inet/wc/auto_insurance_teen_driver_main | ||||||||||||||||||
| Good Student | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.usaa.com/inet/pages/auto_event_insurance?akredirect=true |
| Green Vehicle | x | x | x | x | x | x | x | https://www.usaa.com/inet/pages/auto_insurance_driving_research_discount_main | |||||||||||||||
| Homeowner | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | https://www.bankrate.com/finance/insurance/car-insurance-discounts.aspx | ||||
| Lane Departure Warning | x | x | x | x | https://www.naic.org/documents/web_market_share_160301_2015_property_lob.pdf | ||||||||||||||||||
| Life Insurance | x | x | |||||||||||||||||||||
| Low Mileage | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | Disclaimers | |||
| Loyalty | x | x | x | x | x | x | x | x | x | x | x | x | *Discounts and their availability vary by state and eligibility requirements | ||||||||||
| Married | x | x | x | x | x | x | x | x | x | x | x | x | x | x | *Safety Features are not always listed as "discounts" but almost always help lower the rate | ||||||||
| Membership/Group | x | x | x | x | x | x | x | x | x | x | x | ||||||||||||
| Military | x | x | x | x | x | x | x | x | x | x | x | ||||||||||||
| Military Garaging | x | ||||||||||||||||||||||
| Multiple Drivers | x | x | |||||||||||||||||||||
| Multiple Policies | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||
| Multiple Vehicles | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||
| New Address | x | ||||||||||||||||||||||
| New Customer/New Plan | x | x | x | ||||||||||||||||||||
| New Graduate | x | ||||||||||||||||||||||
| Newer Vehicle | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |||||||
| Newly Licensed | x | ||||||||||||||||||||||
| Newlyweds | x | ||||||||||||||||||||||
| Non-Smoker/Non-Drinker | x | ||||||||||||||||||||||
| Occasional Operator | x | ||||||||||||||||||||||
| Occupation | x | x | x | x | x | x | x | x | x | x | x | x | |||||||||||
| On Time Payments | x | x | x | x | |||||||||||||||||||
| Online Shopper | x | x | |||||||||||||||||||||
| Paperless Documents | x | x | x | x | x | x | x | x | |||||||||||||||
| Paperless/Auto Billing | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||||
| Passive Restraint | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | |
| Recent Retirees | x | x | |||||||||||||||||||||
| Renter | x | x | x | ||||||||||||||||||||
| Roadside Assistance | x | x | |||||||||||||||||||||
| Safe Driver | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||||
| Seat Belt Use | x | ||||||||||||||||||||||
| Senior Driver | x | x | x | x | x | x | x | x | x | ||||||||||||||
| Stable Residence | x | x | x | x | |||||||||||||||||||
| Students & Alumni | x | x | x | x | x | x | |||||||||||||||||
| Switching Provider | x | x | x | x | x | x | x | x | x | x | x | ||||||||||||
| Utility Vehicle | x | x | x | x | |||||||||||||||||||
| Vehicle Recovery | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | x | ||
| VIN Etching | x | x | x | x | x | x | x | x | x | x | |||||||||||||
| Volunteer | x | ||||||||||||||||||||||
| Young Driver | x | x | x | x | x | x | |||||||||||||||||
| Discounts Provided # | 21 | 21 | 29 | 27 | 18 | 27 | 26 | 34 | 34 | 32 | 38 | 38 | 35 | 36 | 22 | 30 | 20 | 20 | 22 | 38 | 28 | 28 |
Read more: SafeAuto Insurance Review & Complaints: Car Insurance
As you can see, when it comes to helping individuals save money, other insurance companies blow Alliance United out of the water.
What You Need to Know About Alliance United Insurance Company
Alliance United Insurance may be able to help high-risk drivers purchase coverage, but, unfortunately, the fees that come along with these policies may end up costing a driver more than they originally thought. You shouldn’t be hasty when it comes to purchasing car insurance.
Allow yourself some time to review the quotes that you request from different insurance companies. Unfortunately, there is no Alliance Insurance online quote tool, but if you would like a quote from this company, you can find an Alliance United Insurance representative in your area who can provide this for you.
There is a website, however, and current customers can use their Alliance United Insurance Company login to review their policy information, manage claims, and make payments.
Now that you’ve read this detailed Alliance United review, you should feel confident to start shopping for car insurance. Enter your ZIP code to get free insurance quotes from car insurance companies near you.
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Claims Process With Alliance United Insurance Company
Ease of Filing a Claim
Alliance United Insurance Company offers various methods for filing insurance claims, providing convenience and flexibility for policyholders.
Customers can choose to file a claim online through the company’s website, over the phone by contacting the Alliance Insurance phone number, or even through mobile apps for added accessibility. This multi-channel approach allows policyholders to select the most convenient option based on their preferences and circumstances.
Average Claim Processing Time
The average claim processing time is a crucial factor for policyholders seeking prompt resolutions after an incident. While specific processing times can vary depending on the nature of the claim and its complexity, Alliance United Insurance Company aims to streamline its claims processing to ensure a swift and efficient experience for its customers.
Policyholders can expect reasonable processing times, and the company’s digital tools may contribute to expediting the claims process.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when assessing an insurance company’s performance in handling claims. Alliance United Insurance Company understands the importance of customer satisfaction and strives to provide fair and efficient claim resolutions.
Policyholders’ experiences with claim resolutions and payouts are generally positive, with many customers expressing satisfaction with the company’s responsiveness and professionalism.
Digital and Technological Features at Alliance United Insurance Company
Mobile App Features and Functionality
Alliance United Insurance Company offers a user-friendly mobile app that enhances the overall customer experience. The app provides access to policy information, claims status updates, and the ability to make payments conveniently on the go.
Additionally, it offers features like digital ID cards, making it easier for policyholders to access essential documents and information right from their smartphones.
Online Account Management Capabilities
Policyholders can take advantage of Alliance United’s robust online account management capabilities. Through the company’s website, customers can easily manage their policies, update personal information, and review billing and payment details.
This online platform simplifies the insurance management process, allowing policyholders to make informed decisions and maintain control over their policies.
Digital Tools and Resources
Alliance United Insurance Company offers a range of digital tools and resources to assist policyholders in various aspects of their insurance journey. These tools include educational resources, such as articles and FAQs, designed to help customers make informed decisions about their coverage.
Additionally, the company provides online claims tracking tools, enabling policyholders to monitor the progress of their claims digitally.
Frequently Asked Questions
Is Alliance United Insurance a reputable company?
Yes, Alliance United Insurance is a reputable company that is backed by Kemper Corporation, a well-known insurance provider.
What types of automobile insurance does Alliance United Insurance offer?
Alliance United Insurance offers liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist insurance.
Can I customize my Alliance United Insurance policy to fit my specific needs?
Yes, you can customize your Alliance United Insurance policy to fit your specific needs means that as a policyholder, you have the flexibility to adjust various aspects of your insurance coverage to best suit your individual requirements. This may involve selecting the type of coverage you want, choosing your deductible amount, deciding on the limits of liability coverage, or adding optional endorsements to your policy.
How does Alliance United Insurance determine my premium?
Alliance United Insurance determines your premium based on a variety of factors, including your driving record, age, location, and type of vehicle.
Can I switch to Alliance United Insurance from another insurance company mid-policy?
Yes, you can switch to Alliance United Insurance from another insurance company mid-policy, but there may be fees or other restrictions.
Can I pay for my Alliance United Insurance policy in installments?
Yes, you can pay for your Alliance United Insurance policy in installments, but there may be fees or interest charges.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.