What You Should Know
- Alliance United Insurance does not offer robust policies
- Alliance United Insurance is designed to serve high-risk California drivers
- Drivers can shop online to find the best insurance policy for their needs
If you are considered a high-risk driver and live in Southern California, Alliance United Insurance may be a good choice for you. If you are interested in getting affordable Alliance United Insurance, full coverage car insurance policies are relatively cheap.
However, you should be aware that this company tacks a lot of fees onto its services.
Alliance United Insurance does have an A- rating from AM Best, but a company's financial strength isn't the only reason to purchase insurance. You should always compare multiple quotes when shopping online to be sure you are picking the policy that best suits your coverage and financial needs.
Lucky for you, this is a practical guide for understanding car insurance that can help you learn more about this company so you can decide for yourself if you would like to get Alliance United Insurance full coverage car insurance quotes.
If you think Alliance United Insurance full coverage insurance isn't for you, enter your ZIP code to get free quotes from insurance companies in your neighborhood.
##What is included with a full coverage policy from Alliance United?
If you were to buy Alliance United Insurance full coverage car insurance, your policy would include:
- Bodily injury liability
- Property damage liability
- Collision coverage
- Comprehensive coverage
- Medical payments
- Uninsured/underinsured motorist
Of course, it's in your best interest to take a closer at these Alliance auto insurance coverages to discover how each can benefit you.
Bodily Injury Liability
If you caused a car crash that sent another driver to the hospital, your bodily injury liability coverage would compensate that driver for their medical expenses and damages.
Property Damage Liability
Property damage liability is another essential coverage. For example, let's say that you were trying to execute a three-point turn and accidentally backed into someone's front fence.
With a quick call to the Alliance United Insurance claims department, your property damage liability coverage could offer compensation to that person without ever having to dip into your own funds.
Now, if your car was damaged when you backed into that hypothetical fence, you could pay your collision deductible and get the financial assistance you need to restore your vehicle.
Comprehensive coverage also requires you to pay a deductible, but this coverage applies if your car was damaged in any other way than an accident.
For example, if your car was damaged during a break-in, vandalized, or struck by hail, you could call the Alliance United Insurance claims phone number and restore your car with your comprehensive coverage.
If you've ever wondered when to file a car insurance claim, getting hurt in an accident is certainly a reason to do just that.
It's important to know what your medical payments coverage can do for you. If you or your passengers were injured in a car crash, you could file a medical payments claim no matter who was at fault.
With your medical payments coverage, you and anyone else injured in your car would get financial assistance when paying for medical bills resulting from a car accident.
But these are not the only coverages you can purchase from Alliance United Insurance. If you want to get the maximum protection available for your vehicle, you can look into buying supplemental coverage from this insurance company.
What supplemental coverages are available through Alliance United Insurance?
While the range of supplemental coverage options from Alliance United Insurance is admittedly not robust, you could purchase roadside assistance or rental reimbursement. Both of these coverages can prove to be incredibly useful no matter what kind of car you own.
For example, if you were to drive over a nail and puncture your tire, your roadside assistance coverage could send a spare to your location.
Now, if you were in an accident and your car had to be in the shop for several days, you could use rental reimbursement coverage to help you pay for a rental vehicle while your car was being repaired.
How much does Alliance United Insurance cost?
On average, a policy with Alliance United Insurance costs $2,359 per year. However, be prepared to pay for more than just your Alliance United Insurance full coverage car insurance rates. If you purchase a policy from this company, you'll soon discover that it charges quite more fees than other car insurance companies.
Not only will you be charged for choosing a monthly payment plan, but signing up for automatic withdrawals can cost you. In addition, you'll be charged a fee for making a payment over the phone or via the Alliance Insurance website.
Does Alliance United Insurance have a cancellation fee?
If you found a better car insurance company, canceling Alliance United Insurance full coverage policies is relatively easy.
You should know that you'll need to call the Alliance United Insurance phone number and provide some information in order to cancel your policy.
When you call in, you'll need to share your:
- Alliance United insurance policy number
- The cancellation date of your Alliance United policy
- The policy number of your new insurance policy
- The effective date of your new insurance policy
If you decide to cancel your Alliance United Insurance, you will not be charged a cancellation fee. Additionally, if you are owed any money, you will receive a refund.
Remember, when canceling a policy, the cancellation date should always be the same date as your new policy's effective date. If you cancel your policy without another one waiting in the wings, you'll be left with no insurance coverage whatsoever. This could leave you in a less-than-ideal situation if you were to get into an accident or get caught driving without insurance.
Alliance United Insurance: What You Need to Know
High-risk drivers may be able to find full coverage policies with Alliance United Insurance, but this company tends to add fees that could make coverage more expensive.
If you're looking for an insurance policy that provides the coverage you need and meets your budget, you can shop online to compare a wide variety of free insurance quotes. This could help you find the best policy for your needs.
Enter your ZIP code to get free quotes today and see how Alliance United Insurance full coverage quotes match up against the competiton.