Unbiased Motorcycle Insurance Company Reviews

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Allied Motorcycle Insurance Review

Allied Motorcycle Insurance Review

  • Customer Service
  • Cost
  • Coverage

Allied Insurance Company is a subsidiary of the larger Nationwide Insurance. They have been involved in the insurance business since 1929 and are licensed to do business in 34 states within the U.S. They have an extensive history of becoming a leading insurer in the property-casualty industry and also offer automobile, home, power sports, business, and motorcycle insurance coverage. This company states that if you get insurance with them, “you’ll have the peace of mind that comes with knowing you’ve made the right choice.”

Like most insurers, they offer customizable policies, discounts, and various member benefits. Before considering this company, or any other insurer for your motorcycle, it’s a good idea to read the full company review. Below will include an extensive break down of their coverage options, payment methods, discounts you may qualify for, as well as what customers are saying about this company.

Allied Company History

Allied Mutual Automobile Association was founded by Harold Evans in 1929 and headquarters were constructed in Des Moines, Iowa. Des Moines is still the location of this company headquarters. As Allied Insurance grew and gained more customers, they caught the attention of Nationwide Insurance. In 1998, Nationwide acquired Allied and their operations merged. At this time Allied was taking responsibility for Nationwide’s independent agency system. The companies that were formerly CalFarm Insurance (based in California) and TIG/Countrywide Insurance (based in Michigan) now operate collectively under the Allied Insurance branch.

Unfortunately there isn’t much company history of Allied despite the fact that they’ve been around for awhile. Most people are familiar with the fact that they are a subsidiary company of Nationwide Insurance. They are currently able to sell insurance in 34 states and have over 4,100 employees. They have regional offices and lead agents located in: Des Moines, IA; Lincoln, NE; Denver CO; and Sacramento, CA. Although Allied does conduct its own business, it is a subsidiary of Nationwide insurance that doesn’t have as much power, clout, or as much customer appeal as its parent company.

Nationwide has become a Fortune 500 company and is among the largest insurers in the United States. Over 35,000 people work for Nationwide and it is certainly one of the most powerful insurers in the U.S. Allied has always been a pretty solid company with steady business, but it lost much of its unique appeal when it merged with Nationwide. Now the companies are basically synonymous except Allied has less features.

Allied Motorcycle Insurance Coverage Options

Now that you are familiar with some of the company history of Allied Insurance, it’s time to help you better understand the coverage options that they offer for motorcycles. If you are serious about getting good protection and quality insurance, read below to find out what this company offers.

Agreed Value for Replacement Coverage – This type of insurance allows you to get an agreed replacement amount for customized motorcycles, trikes, assembled and/or kit bikes, as well as vintage bikes based on an expert appraisal. This similar to the types of protection offered by Grundy and Hagerty.

Collision Coverage – If your bike is damaged from a collision with another object or vehicle, this will repair damages. This coverage will include $2000 towards helmets, leathers, and other safety gear as well.

Comprehensive Coverage – If your motorcycle is a victim of fire, vandalism, theft, falling objects, animal damage, etc. – comprehensive insurance is what will help reimburse you for your losses and/or damages sustained.

Custom Equipment – This coverage will provide you with up to $30,000 towards custom paint, parts, and other accessories. If you buy comprehensive coverage, you will get $3000 of custom equipment coverage for free.

Guest Passenger Bodily Injury – If you are riding your motorcycle with a passenger and they happen to get injured, this type of insurance will cover their costs.

Liability Insurance – Anytime you are in an accident, liability insurance will pay for the damages that you cause. Things like bodily injury or damage to another person’s motorcycle, automobile, or property are covered.

Original Equipment Manufacturer (OEM) Coverage – Should you choose this type of protection, Allied will replace all damaged and lost parts (in a covered loss) with original equipment manufacturer parts whenever they’re available.

Roadside Assistance – If you’d like, you can buy additional coverage for roadside assistance. This will provide you with help should you experience a flat tire, need a jump, or other repairs. You also have the convenience of increasing coverage to include Trip Interruption insurance – which picks up any expenses you incur over 100 miles from your home.

Towing and Labor Coverage – This will offer reimbursement if you need a tow for your motorcycle. It will also provide for the labor costs in order to get your bike up and functioning again.

Uninsured / Underinsured Motorists Coverage – This gives you coverage for bodily injury to you or your passenger if someone gets away with a hit-and-run. It also covers you for an accident while on foot. This type of insurance pays for damages caused by another person who lacks adequate insurance to pay for their wrongdoings.

Allied Motorcycle Insurance Payment Options

There are a few different payment options that you’ll have if you choose Allied for your provider. They allow you to either pay on a monthly basis, make a full payment, or “in between” according to their website.

Monthly – If you’d like, you can pay your bill on a monthly basis. This is the most popular payment option and allows you to pay in a series of 12 installments for an annual policy.

Installments – According to their website, they allow individuals to pay “in between” monthly and full payments. They do not specify as to whether you can customize the timeframe for billing, so this is pretty vague.

Pay In Full – If you want to save money on your policy, it is recommended that you make a full payment for your entire policy term. By making a full payment, you will qualify for a 10% discount – this is a good way to save if you can afford it.

Allied Payment Methods

Allied offers a variety of ways in which you can pay your bill. It is up to you to decide which method is the most convenient for your personal needs.

  • Agent – This company allows you to make payments directly to your agent.
  • Flex Check – This is a payment method that automatically takes money out of your bank account when it’s due. This is a good way to save because all installment fees are waived if money is automatically withdrawn – which could save you up to $90 the first year.
  • Mail – If you’d like, you can send Allied a check in the mail with the courtesy reply envelope attached to your billing statement.
  • Online – If you’ve set up an online account, you can pay your bills from the comfort of your computer. Acceptable payments online include: EZ Check’s, Credit Cards, and Debit Cards.
  • Phone – You can call their number at 800-282-1446 and pay over the phone. They will help guide you through the process.
  • Recurring Bank Card – This method automatically bills your monthly premiums to a credit or debit card of your selection. They allow Visa, MasterCard, and American Express.

Does Allied offer paperless billing?

No. One would think that if their parent company had a paperless billing option, they also would follow suit. Although the parent company Nationwide has a great paperless system, Allied does not offer the same flexibility. If going paperless is of utmost importance to you and/or you’d like to help the environment, this is probably not a company that you should do business with. You will get the paper statement in the mail with each bill.

Allied Motorcycle Insurance Discounts

Everyone that buys insurance wants to know the ways in which they can save on coverage. At Allied, you’ll have a variety of ways in which you can cut back on your motorcycle insurance costs. Below are the ways in which you can expect to save with Allied.

Anti-Lock Brake Discount – Does your bike have anti-lock brakes? If you have a factory installed anti-lock brake system, you can get up to 5% savings on your policy.

Homeowner Discount – Save extra money on your policy if you are the owner of a home, condo, townhome, or mobile home.

Multi-Policy Discount – If you buy motorcycle insurance AND another policy such as: auto, home, condo, or apartment insurance with Allied, you will get a discount for getting multiple policies.

Multi-Vehicle Discount – If you insure multiple motorcycles or more than one vehicle (e.g. a bike and car) with Allied, you will save money.

Paid In Full Discount – Simply by paying for your 12-month coverage term in full, you can save up to 10%.

Riding Association Discount – If you are a member of a riding association or group, you can get a further reduced rate on your policy.

Safety Course Discount – Just by finishing an approved motorcycle safety course, you will qualify for a discount through Allied.

Theft-Recovery Discount – If you take the time to get a GPS theft-recovery system professionally installed on your motorcycle, you can save up to 20% on your motorcycle insurance premium.

A.M. Best Rating: A+ (Superior)

Allied Insurance was given an “A+” rating by A.M. Best. This indicates that they conduct good business and have diversified assets. Their business is well managed and they have the strong financial backing of Nationwide Insurance. Although Allied doesn’t seem like it would suffer any type of collapse in the near future, it does seem as though it is slowly morphing into a watered-down version of Nationwide.

Based on independent online reviews, customers don’t seem to have any major complaints against Allied. The company was given about a 3/5 stars based on data collected from various reviews. There are a wide variety of complaints, but there doesn’t seem to be any major weakness associated with this company. Based on everything I’ve read about this company such as: inability to easily gather their quotes online, conducting the majority of business through agents, and being a subsidiary – they seem to be a very average company.

Get Free Allied Motorcycle Insurance Quotes Online!

Unfortunately, this company doesn’t provide quotes over the internet – this is pretty outdated compared to most companies. This means that you will have to contact one of their agents directly if you’d like to get a quote. This may kind of leave you trapped, because once you call, they will try to do everything in their power to talk you into doing business with them. In the meantime, it is recommended to enter your Zip Code in the form below (or at the top of the page) and compare the leading providers in your area. By collecting and comparing quotes, you will have the best idea of which companies provide the best rates and coverage for a motorcycle insurance policy.

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