Compare Allied vs. The Hartford Insurance

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Two big names in the insurance world are Allied and Hartford. Hartford was founded in 1810, well before Allied, which was founded 119 year later in 1929. Allied offers customers practical and affordable rates, while Hartford offers great benefits for AARP members.

However, Hartford lacks 24-hour customer support for anything other claim-related issues and Allied lacks a simple online payment system. With all these things in mind, still both companies have above average J.D. Power Ratings and excellent financial strength.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allied The Hartford
Best If Allied
  • You want practical and affordable insurance rates
The Hartford
  • You’re also an AARP member
Worst If Allied
  • You’re looking for good customer service and as easy online payment system
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

Allied The Hartford
Allied

Allied Extra

Bundling your home and auto insurance policies can grant you access to Allied Extra. It’s completely free and also another way to help you save money on your insurance policies. Features of Allied Extra include:

  • A single deductible
    • In the event that both your home and auto are affected, this feature allows you to only pay one deductible for a covered claim
  • Bonus emergency lockout coverage
    • If you find yourself locked out of your car, Allied Extra provides this coverage for locksmith charges
  • Bonus airbag replacement
    • Allied will pay for new airbags if yours deploy accidentally
  • Bonus accidental death benefit
    • You’ll be paid up to $10,000 in the event that you get into a fatal car accident with your insured vehicle

Allied Rewards

Allied Rewards provides you with even more discounts for your auto insurance, such as:

  • Forgiveness
    • If you’re a driver with a good driving history, Allied doesn’t see a reason to penalize you if a small accident occurs. Allied Rewards provides accident forgiveness for safe drivers.
  • Good-As-New
    • This coverage will help you pay off your loan and get a new car if your car gets totaled. To receive money to pay for a brand new vehicle, your totaled car must be three years old or younger.
  • Roadside Assistance
    • Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.
  • Deductible savings rewards
    • You can get a significant deductible just by driving safely and being a loyal Allied customer. The Total Loss Deductible Waiver also makes it so that you don’t have to pay your deductible in the event that your car is totaled.
The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount

Standard Car Insurance Discounts

Bundling Coverage Discounts Allied The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allied The Hartford
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allied The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allied The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allied The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allied The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allied Insurance The Hartford Car Insurance
2016 4 30
2015 4 72
2014 3 69
2013 1 67

U.S. Auto Insurance Shopping Study (2016)

Allied Insurance The Hartford Car Insurance
Overall Purchase Experience Above average Among the best
Policy Offerings Average Among the best
Pricing Average Among the best
Local Agent Above average Average
Call Center Representative -- Average
Insurer Website Average Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

Allied Insurance The Hartford Car Insurance
Overall Satisfaction Above average
First Notice of Loss Above average
Service Interaction Below average
Appraisal Average
Repair Process Among the best
Rental Car Experience Average
Settlement Above average

Financial Strength Ratings

Allied Insurance The Hartford Car Insurance
A.M. Best A+ A
Moody's A2 A2
S&P's AA A

Mobile Apps

Allied The Hartford
Allied

The Allied Mobile App lets you access all the details of your insurance policy from your mobile device. You can use it to file or view claims, pay your premiums, connect with your agent, and contact roadside assistance. To download the app for your smartphone, click here

The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or Android, click here

Roadside Assistance

Allied The Hartford
Allied

Allied Rewards – Roadside Assistance

Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.

Allied Roadside Assistance covers everyone insured on your policy, regardless if the car in trouble isn't listed on the policy. Allied offers a Basic and Plus roadside package that both include Cross Country Perks, giving drivers discounts on dining, entertainment, pets, travel and more.

Plus coverage comes with trip interruption coverage that kicks in when you're more than 100 miles from home and gives you an allowance for a rental car, lodging and food.

Roadside Assistance- Basic

(costs about $10 per 6 month policy period)

  • Towing up to 15 miles
  • Gas delivery
  • Lockout service
  • Jump starts
  • Flat tires
  • Cross Country Perks

Roadside Assistance – Plus

(costs about $20 per 6 month policy period)

  • Towing up to 100 miles
  • Trip interruption coverage
  • Turn-by-turn directions
  • Pre-trip map routing
  • Gas delivery
  • Lockout service
  • Jump starts
  • Cross Country Perks

Contact Phone Number

Call the Allied Roadside Assistance hotline: 800-282-1446

The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.