Deciding on a car insurance company can be complicated: every company's rates differ based on your driving history, location, and age, and every company's discounts vary. Safe Auto and Allied are two of the most popular auto insurance companies, providing affordable insurance policies across most of the US.
To simplify the insurance-shopping process, we've pulled average rates from Allied and Safe Auto. These take into consideration myriad rating factors, including credit rating, driving behavior, and age. Examine these figures and find the perfect policy for you.
If you have very bad credit, Allied could be a better option for you. On average, Allied offers better rates than Safe Auto for prospective clients with credit scores of less than 580. Those with extraordinary credit — a score of 800 or better — should favor Check out common insurance rates by credit tier for Allied and Safe Auto below.
|Credit score||Safe Auto avg. annual premium||Allied avg. annual premium|
|Very Poor (300-579)||$3,799||$1,483|
|Very Good (740-799)||$1,937||$920|
If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DUI offense in your recent history, Allied could be a better choice than Safe Auto. Every insurance company will handle driving offenses differently, so don't hesitate to shop around to understand which insurer is best for you.
|Infraction||Safe Auto avg. annual premium||Allied avg. annual premium|
|At-fault accident (damage < $1,000)||$2,867||$1,662|
|At-fault accident (damage > $1,000)||$2,837||$1,221|
Insurance companies use a driver's age to indicate risk, assigning rates on a sliding scale. Car insurance is commonly most expensive for teens — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Since each insurance company rates age tiers in a different way, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose Allied over Safe Auto: the former's average annual rates are $4,736 less than the latter's..
|Age||Safe Auto avg. annual premium||Allied avg. annual premium|
Affordability aside, Safe Auto and Allied each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Discount Comparison||Safe Auto||Allied|
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|Ratings Comparison||Safe Auto||Allied|
|JD Power Rankings||N/A||N/A|
|Other Products||Safe Auto||Allied|
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|Other Features||Safe Auto||Allied|
|About||Safe Auto strives to provide affordable insurance to every driver, no matter the situation.||Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.|
|Roadside Assistance||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.||Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.|
|Additional Discounts||Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.||Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.|
Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.Do I pay a deductible for a liability claim?
You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.See More Questions
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