Compare Esurance vs. Allied Insurance

Esurance and Allied are two top insurance companies with their respective auto policies and discounts. Esurance was founded in 1999, and Allied was founded in 1929. Though Allied’s discount selection isn’t as broad as Esurance’s, its Allied Rewards program offers additional benefits like accident forgiveness, roadside assistance, and deductible savings.

Esurance offers multiple discounts as well as a strong online platform. However, Esurance doesn’t have a fantastic roadside service program, and Allied lacks strong customer service reviews. Both share high 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

  Esurance Allied
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Allied
  • You want practical and affordable insurance rates
Worst If Esurance
  • You want excellent roadside assistance
Allied
  • You’re looking for good customer service and as easy online payment system

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like Esurance and Allied. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

Esurance Allied
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount

This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount

This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.

Switch & Save Discount

This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.

Emergency Road Assistance Discount

You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.

Pac-12 Discount

You can get this discount if you attended or are an alum of a Pac-12 school. Find out more about this unique discount here.

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 .

Standard Car Insurance Discounts

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

Consumer Complaint Data

Esurance Allied Insurance
2016 48 4
2015 67 4
2014 47 3
2013 43 1

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Esurance Allied Insurance
A.M. Best A+ A+
Moody's -- A2
S&P's -- AA

Mobile Apps

Esurance Allied
Esurance

Esurance Mobile

This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

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

Roadside Assistance

Esurance Allied
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

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