What You Should Know
- Alliance United Insurance offers car insurance for high-risk drivers in California
- Alliance United — which has been renamed Kemper — only offers liability coverage and roadside assistance
- Alliance United offers discounts on coverage, and auto insurance rates with Alliance are competitive for high-risk drivers
If you are looking for car insurance, especially if you have a history of car accidents or other traffic-related infractions, Alliance United Auto Insurance may be a great fit for you. It can be hard to understand car insurance if you're a high-risk driver, and Alliance makes it easy with very few options.
Available only in California, Alliance United offers high-risk car insurance coverage to drivers who may otherwise have a difficult time finding auto insurance.
If you are considered a high-risk driver, or if you've had to file an SR-22 in California, keep reading this and other Alliance United Insurance reviews to learn more. But don't forget to shop around for car insurance quotes with other companies to see who offers the best rates.
You can use our free quote tool above to find and compare car insurance rates from multiple companies in your area today.
What does Alliance offer for auto insurance?
With Alliance United Insurance, you will get a basic type of coverage option for your car insurance needs. Alliance offers liability car insurance coverage for any drivers in California, but people who would benefit from coverage with Alliance are usually drivers who might have a hard time obtaining car insurance coverage.
Typically, this applies to people who are considered high-risk drivers. Most insurance companies consider you a high-risk driver if you:
- Are involved in multiple car accidents or other insurance claims
- Have multiple traffic tickets
- Receive a DUI or DWI in California
- Were required to file an SR-22
- Have accumulated a lot of points on your license
- Have a poor credit score
High-risk drivers may be able to obtain coverage from other companies, but this coverage will probably be pretty expensive. With Alliance, you are getting the minimum required coverage in California and potentially paying less than you would with other companies.
Because there is no Alliance United Insurance full coverage policy, you will have to seek coverage elsewhere if you're looking for collision, comprehensive, or full coverage. But Alliance United — which has been renamed Kemper — does offer roadside assistance options to policyholders.
How much is auto insurance with Alliance United?
You can expect to pay higher-than-average car insurance rates with Alliance United. In most cases, this is because you are a high-risk driver. If you happen to be a standard policyholder, you may be able to get competitive rates with Alliance.
But even with higher car insurance rates, Alliance suggests that its rates are lower for high-risk drivers than other companies in California. The only way for you to know for sure how much you will pay for car insurance, though, is to shop around online and compare quotes from a lot of other companies.
The average car insurance rate with Alliance United is around $70 a month, while the average for GEICO is closer to $52, and the average with Progressive is $61. But you have to remember that these average rates do not take into account a person's driving record.
Does Alliance offer discounts for auto insurance?
In addition to offering competitive rates for high-risk drivers with poor driving records, Alliance offers a few discounts on car insurance coverage, including:
- Good driver
- Safe driver
- Safety features
- Renewed policy
- Multiple drivers
The purpose of all car insurance discounts is to offer potential policyholders the opportunity to lower their rates for car insurance coverage. If you think you may qualify for certain discounts with Alliance, speak to a company representative to find out more.
Does Alliance United have good customer service?
There are a number of poor Alliance Insurance reviews, and a lawsuit against Alliance United Insurance. The lawsuit was centered around Alliance wrongly refusing to pay policyholders who made legitimate insurance claims. The company was eventually forced to make the payments.
Some policyholders have also stated that the Alliance United Insurance customer service is not as helpful as it could or should be. Policyholders go days and weeks without getting responses on claims, and some policyholders argue that their claims are not handled properly.
If you are considering a car insurance policy with Alliance, be sure to consider the company's negative customer service reviews before you make your final decision. This will help you avoid any negative experiences if you ever need to make a car insurance claim.
Can you make claims with Alliance online?
Now that Alliance has been bought out by Kemper the company does allow you to report a claim and check the status of a claim online. In addition to this, you can use your Alliance United Insurance login to make an Alliance United Insurance payment online.
The company makes it easy to handle almost everything you need to do on the website. But if you need to speak to a Kemper representative, you can do so by calling the company directly.
Should I purchase auto insurance with Alliance?
Depending on where you live, and your driving history, Alliance United might be a great fit for you. But before you make any final decisions on car insurance coverage, you should shop around and compare car insurance rates with multiple companies.
This will help you to make sure you don't end up overpaying for coverage. Even as a high-risk driver, you should have options when it comes to car insurance rates and coverage.
In fact, you can use our free quote tool below to compare auto insurance rates from top companies in your area and find the company that offers the most competitive rates.