Compare Allied vs. Travelers Insurance

Allied and Travelers are both top companies in the world of insurance. Allied was founded in 1929, and Travelers was founded in 1864. Travelers is ranked the #3 auto insurer for 2016 and offers excellent GAP coverage as well as flexible payment plans. Meanwhile, Allied has a fast pay-out process, low auto premiums, and friendly agents.

However, Allied’s customer service received subpar ratings and its online payment system is quite complicated; on the flip side, Travelers has a limited selection of driver discounts and lacks important online tools. Both companies have adequate financial strength and J.D. Power ratings.

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 Travelers
Best If Allied
  • You want practical and affordable insurance rates
Travelers
  • You need flexible payment plans or GAP coverage
Worst If Allied
  • You’re looking for good customer service and as easy online payment system
Travelers
  • You value customer satisfaction or a strong website

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Special Car Insurance Discounts

Allied Travelers
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: If both your home and auto are affected, this feature lets you pay just one deductible for a 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 has even more discounts for your auto insurance, such as:

  • Forgiveness: If you have a good driving history, Allied won't penalize for a small accident. 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. Roadside assistance can help with emergency 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. You don’t have to pay your deductible if your car is totaled with the Total Loss Deductible Waiver.
Travelers

Travelers IntelliDrive Program

If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days, you drive with the IntelliDrive device, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount

Owning a hybrid or electric car helps save energy and help the environment. If you drive one of these vehicles, you can save up to 10 percent on your auto insurance with Travelers. It’s how the company rewards customers who decide to have a positive impact on the environment by owning one.

Standard Car Insurance Discounts

Bundling Coverage Discounts Allied Travelers
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allied Travelers
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 Travelers
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allied Travelers
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allied Travelers
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allied Travelers
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allied Auto Insurance Travelers Auto Insurance
2016 4 34
2015 4 46
2014 3 29
2013 1 165

U.S. Auto Insurance Shopping Study (2016)

Allied Auto Insurance Travelers Auto Insurance
Overall Purchase Experience Above average Above average
Policy Offerings Average Average
Pricing Average Above average
Local Agent Above average Average
Call Center Representative -- Above average
Insurer Website Average --

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

Allied Auto Insurance Travelers Auto Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Average
Appraisal Average
Repair Process Average
Rental Car Experience Below average
Settlement Average

Financial Strength Ratings

Allied Auto Insurance Travelers Auto Insurance
A.M. Best A+ A++
Moody's A2 Aa2
S&P's AA AA

Mobile Apps

Allied Travelers
Allied

The Allied Mobile App

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. Download the Allied Mobile app for your smartphone

Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the Travelers Mobile app here

Roadside Assistance

Allied Travelers
Allied

Allied Rewards – Roadside Assistance

Allied Insurance will be there for you not only online but also out on the road. Roadside assistance, gets you emergency help like 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. These give drivers discounts on dining, entertainment, pets, travel and more.

Plus coverage comes with trip interruption coverage. It kicks in when you're more than 100 miles from home. You get 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

Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If you're stranded and need a rental car Travelers will reimburse you for $200 a day. But only if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.