Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 14, 2022

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Just the Basics

  • You can purchase basic coverage and add-on options such as rental reimbursement and roadside assistance from Alliance United Insurance in California
  • Alliance Insurance offers auto insurance options such as an SR-22 for drivers with suspended licenses or less-than-perfect records
  • Alliance United Insurance, a Kemper Auto company, offers several discounts to keep rates low

When shopping for car insurance, it is crucial to understand what coverage you want and read reviews for insurance companies in your area. This Alliance United review provides information on the company’s coverage options, availability, claims process, and discounts.

This review provides a comprehensive look at Alliance United’s insurance offerings so you can compare companies before requesting quotes. We’ll also cover information on specialty insurance offered by Alliance Insurance Company if you or a family member needs supplemental coverage.

Alliance United Car Insurance Coverage 

Headquartered in California, Alliance United Insurance company offers auto insurance to businesses, families, and individuals. Started in 2004, Alliance United Insurance Company is only available to California residents. Although coverage is only offered in one state, Kemper Auto acquired Alliance United in 2015. Due to the acquisition, coverage may be available to customers in other areas in the future.

Alliance United’s basic coverage options include property damage liability, bodily injury coverage, collision, medical payments, comprehensive, and underinsured motorist coverage. California drivers must carry bodily injury liability, property damage coverage, uninsured motorist bodily injury, and uninsured motorist property damage coverage. Alliance United’s basic coverage options meet California’s minimum insurance requirements.

Alliance Insurance Company also offers supplemental coverage options, including:

  • GAP insurance. This add-on insurance option covers the difference between the value of your vehicle when it was totaled and the amount of money you have to pay on your lease or loan. GAP Insurance is often recommended for luxury vehicles and may be required by your financing company. 
  • Rental reimbursement. This supplemental option helps you cover transportation expenses when your car is being fixed after a covered car accident. You can use this add-on to pay for a rental vehicle or public transportation. This coverage does not apply if you need a car on vacation. 
  • Roadside assistance. This add-on coverage option offers on-demand help when your car breaks down. This add-on can help if you have a flat tire, stalled battery, or you run out of gas.  
  • SR-22 coverage. This add-on is a certificate of financial responsibility provided by Alliance United Insurance. An SR-22 is required for some high-risk drivers by court order. 

Alliance United Insurance Company offers many options for high-risk drivers. While it is a good option for drivers with less-than-perfect records, you may end up paying a lot in fees for routine services such as automatic billing and phone payments.

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What car insurance discounts are available?

Car insurance is expensive, but you can reduce your monthly payments by finding a rebate or discount. Alliance United offers discounts for various reasons, including getting good grades, driving carefully, or buying a vehicle equipped with certain safety features. The company offers various deals, including:

  • Multivehicle discount
  • Defensive driver course discount
  • Multipolicy discount
  • Safe driver discount
  • Drivers over a certain age discount

Remember that the discounts for multivehicle policies vary depending on various factors. For instance, your deductible amount will go down a certain amount each year you don’t have a significant traffic violation or collision. Also, Alliance United offers a vanishing deductible program that helps drivers reduce their deductible by driving safely.

What states does United Alliance offer coverage in? 

Alliance United Insurance coverage is only available to drivers needing car insurance in California. However, it was recently acquired by Kemper Auto, and the coverage area may expand as a result. Thus, United Alliance has a much smaller coverage area than many other insurance companies. 

How To File a Car Insurance Claim With Alliance United

Many events can require Alliance United policyholders to use their insurance. The most common events that result in claims are rear-end accidents, vandalism, windshield damage, weather-related damage, and theft.

You need to file a car insurance claim to repair your car or replace it after it is damaged in a covered event. Gathering the proper evidence right after the collision and contacting Alliance United are the most essential steps to quickly getting back on the road. You can file a claim with Alliance in the following ways:

  • On the telephone
  • Via the Alliance United website
  • Via the mobile application 

Before you file a claim, you should know information about your Alliance auto insurance policy, such as your coverage limits and your deductible amount. If you are making a comprehensive or collision claim, you should know whether you have rental reimbursement coverage. You should gather the following information before filing your claim:

  • Contact information for the other motorists involved in the collision
  • Crash details including date, time, and contributing factors
  • Photographic evidence of property damage and contributing factors
  • Contact information for responding police officers
  • A copy of the accident report, if completed  

You should file your claim with Alliance as soon after the accident as possible. Many states have limits for making claims, and you could miss your opportunity to receive financial compensation if you wait too long.

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Does Alliance United offer any other type of insurance?

Alliance United Company lets you bundle your car policy with other types of insurance. It offers the following types of insurance:

  • Boat insurance
  • Commercial vehicle insurance
  • Condo insurance
  • Home insurance 
  • Renters insurance 
  • Life insurance
  • Health insurance 

You should talk with a sales agent for more information about multipolicy discounts in your area. You can maximize your discounts by adding as many policies are possible to your bundle.

Alliance United Insurance: Final Thoughts 

Alliance United has a minimal coverage area, only offering insurance to California residents. It also provides SR-22 coverage for those who require this type of insurance due to a suspended license or other driving problem. When you go with Alliance, you can buy a basic coverage plan plus insurance add-ons, including GAP coverage and roadside assistance.

Alliance United provides discounts to keep rates affordable for policyholders. Included are discounts for completing a defensive driver course, getting good grades, and adding multiple vehicles to your policy, among others.

While Alliance offers affordable insurance, particularly for those with less-than-stellar driving records, it rates below average for customer satisfaction. The company has numerous client complaints related to coverage limitations, unfriendly customer service agents, fees, and slow claims processing. Alliance also adds fees for many standard features, including automatic billing, online payment processing, monthly payment plans, and SR-22 forms.

Alliance United Insurance offers a mobile app feature that lets policyholders perform multiple functions in one place. Members can access policy identification cards in the app, make a payment, or access policy coverage limits. The app can be downloaded on both iOS and Android devices.