Alliance United strives to make sure more California drivers have insurance. Whether you have a history of reckless driving, poor credit, or even a DUI, Alliance United can offer you the coverage you need to stay insured on the road.

In this article, we’ll cover everything you need to know about Alliance United Insurance and how to determine if it’s the best fit for you. We’ll also cover our top tips for high-risk drivers considering Alliance and their competitors.

Who is Alliance United Insurance?

Founded in 2004, Alliance United Insurance has been an industry leader in the nonstandard auto insurance market for Californians. Nonstandard auto insurance is a designation for drivers considered “high-risk.” Auto United Insurance is only available to California residents.

We’re all changing, all the time. The same is true for Alliance United. In 2015 they were acquired by Kemper Auto. Kemper Auto has a stellar track record for looking out for those who often get looked over when it comes to car insurance.

What counts as “nonstandard auto insurance?” If any of the following applying, you might need this insurance product:

  • You have an unfavorable driving or credit history – Those whose driving or credit histories have left them with few options for insurance are likely to find a friend in Alliance United Insurance. The company is committed to insuring the previously uninsurable, even those in need of an SR-22.

  • You don’t have a license – If you don’t have your driver’s license but need insurance for a vehicle, Alliance United (Kemper Auto) could be the right choice for you. They accept State IDs and International Licenses.

  • Your license is suspended – Waiting to get your driving privileges back? Why not take care of your insurance in the meantime so that you’re ready to hit the road as soon as possible? Alliance United insures drivers with suspended licenses.

  • You drive a reconditioned vehicle – Got a sweet, hand-crafted, new ride? Something rebuilt or built from scratch? Alliance United is as excited to insure your reconditioned vehicle as you are to drive it. In most cases, they can help you find a full-coverage policy, too.

Whatever your situation, there’s a good chance that Alliance United can provide coverage for it.

What is an SR-22?

We briefly mentioned SR-22s above. So, what is this document, and how do you know if you need one?

An SR-22 is an auto insurance liability endorsement that most state Department of Motor Vehicles offices require high-risk drivers to add on to their insurance policies.

Drivers are considered “high-risk” after being convicted of one or more of the following:

  • DUI

  • Reckless driving

  • Speeding tickets

  • Uninsured accident

If you are in need of a policy that will issue an SR-22 (and live in California), then Alliance United Insurance could be the right insurance company for you. Drivers with a history of poor credit could also benefit from Alliance United Insurance, as these drivers are sometimes also determined to be high-risk.

Note: A common misconception is that SR-22 is a kind of auto insurance policy. Rather, it is a feature or add-on to a policy that is required of drivers to ensure appropriate coverage and liability. Check with your DMV office to see if you need an SR-22.

What Does Alliance United Insurance Cover?

Alliance United understands that things are always changing. They aren’t ones to get stuck on the past—yours or anybody else’s. That’s why they specialize in insurance for drivers with a high-risk record or a hard time keeping coverage. They believe in insurance as customizable as a car; insurance that’s comprehensive as well as flexible.

Their options include:

  • Full coverage for new cars

  • Gap insurance for auto loans and leases

Want to learn more? Speak with an agent by calling the Alliance United Insurance phone number: 1 (866) 530-5500.

Contacting Alliance United Insurance

So, whether you’ve got the car of your dreams or something to take you to work in the meantime, United Alliance has an insurance plan that will meet your needs.

When you’re ready to talk to an agent or file a claim for a current policy, you’ll want to keep their contact information handy. Here are the best numbers to get in touch, depending on your need:

  • Call Alliance United Insurance Customer Service – Get in contact to ask questions and get your quote today by calling the Alliance United Insurance phone number at 866-860-9348.

  • Call Alliance United Insurance Claims – File a claim by phone. Call the Alliance United Insurance claims phone number at 1 (800) 508-5833.

  • Mail Claims – Need to mail in supporting documents for your Alliance United Insurance claims? Use the Alliance United Insurance claims address:

P.O. Box 2927\ Clinton, IA 52733

Other Tips for High-Risk Drivers

While Alliance United Insurance provides one potential solution for drivers deemed high-risk by other insurers, it’s important to do your research on getting insured and finding affordable rates.

Below, we’ll go over our top tips for high-risk drivers.

Is a Driver Considered High-Risk Forever?

While an insurer like Alliance United Insurance can help you get covered now, will you be considered high-risk forever? This is a common question for people dealing with insurance after developing a less-than-stellar driving or credit history.

Here are some ways to leave behind your high-risk rating:

  • Stay Insured – One way you can work toward leaving the high-risk category as a driver is to make sure you are always insured when on the road. Getting in an uninsured accident is one of the main ways that people are labeled as high-risk. On the other hand, maintaining insurance as a car owner shows a level of responsibility that insurance companies take note of.

  • Avoid Speeding Tickets – Accruing several speeding tickets can land you in the dreaded high-risk category. But over time, insurance companies will notice if you are getting fewer or no speeding tickets. Get out of the high-risk category by avoiding speeding as much as possible.

How to Get the Best Price as a High-Risk Driver

You’re already on the right track by looking for auto insurance. Insurance companies understand that everyone needs coverage, regardless of what’s happened in the past. That’s why companies like United Alliance and Kemper offer discounts for policyholders who have improved their driving record.

The next time you’re shopping for insurance, ask potential carriers about discounts and use the following strategies to get the best price:

  • Get a Discount for Following Through Right Away – Sometimes acting right away has its benefits. Ask your agent about possibly getting a discount when you go forward with a quote before its effective date.

  • Provide a Record of Your Previous Insurance – Every little bit counts. Some insurers may be willing to offer a discount for new customers who can show proof of their previous insurance company.

  • Pay Your Entire Premium Up Front – Got a little extra cash saved up? Why not use it to take care of your new auto insurance premium right away? If you do, you’ll be eliminating a monthly bill. Beyond that, you might also be eligible for an additional discount.

  • Save Money by Bundling Policies – Sometimes it pays to put all your eggs in one basket. A good bit of advice for wherever you get your insurance is to see if there’s a discount for using the same insurance company for other vehicles, your homeowners or renters insurance, and even your life insurance.

  • Take a Driving Course – Defensive driving courses are known to help drivers improve behind the wheel. They’re also a preventative measure against accidents and reckless driving. Enrolling and completing your course shows that you’re taking your responsibilities on the road seriously. If you’ve taken a defensive driving course or plan to, ask an agent about possible related discounts.

  • Have Good Grades – If you’re doing well in school, chances are that you’re probably doing well on the road. Talk to an agent about a possible discount on your car insurance if you have a 3.0 GPA or higher.

  • Provide Proof that You Are in the Military – National Guard? Active Duty? Let your agent know. Many insurers like to say “thank you” for your service. That might mean a discount on your car insurance, too.

  • Let Them Know You Own a Home – Homeowners are considered more financially responsible than their renting counterparts, which can translate to a reduced insurance risk profile. To possibly save on your premium, talk to an agent today about a homeowner’s discount.

  • Equip Your Car with Anti-theft Technology – Taking extra measures to protect your car shows insurance companies that you’re responsible. And as we’ve noted, insurance companies love responsible. If you’ve equipped your car with anti-theft technology or would like to in the future, talk to an agent at Alliance United about a possible discount.

It’s always a great idea to ask as many questions as you can, especially when it comes to possible discounts. A poor driving history shouldn’t have to ruin your chances for affordable coverage that meets your needs.

Find the Insurance that’s Right for You

Wondering if Alliance United insurance is right for you? If you have a less-than-perfect driving or credit history, the storied company could potentially provide the policy you’re looking for.

However, it’s always worth exploring your options. No single company provides the best rates nationwide. And the most affordable option for you might be different than for your next-door neighbor due to factors like your age, income, gender, and the car you drive.

Want to take the hassle out of insurance shopping? Use our free quote comparison tool to shop for the best rates in your area.

Sources:

New York State DMV. SR-22 Insurance in New York. https://www.dmv.com/ny/new-york/sr-22

NHTSA. Risky Driving. https://www.nhtsa.gov/risky-driving.