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Alliant Credit Union Car Insurance – What You Should Know

alliant credit union car insurance

The best way to find a great car insurance plan from an Alliant Credit Union is to read this article and understand the membership requirements, costs, and exclusions of your plan. You will also learn about discounts and the membership requirements. Once you have read this article, you should be able to purchase your car insurance plan with confidence. Read on to learn more. We’ll also go over some tips on saving money on your policy.

Membership requirements

There are a number of factors that you should consider before joining an Alliant Credit Union car insurance program. First and foremost, you should consider your own financial needs. You don’t need to be an Alliant member to save money on insurance. However, if you are a member, you may qualify for discounts or other rewards. Remember, the more you save, the less you will need to pay in premiums.

The credit union was originally founded as the United Airlines Employees’ Credit Union. Today, it is a national online credit union that limits fees and offers members higher interest rates on savings accounts, loans and high-yield checking accounts. In addition, it is an online only institution, and there are no physical branch locations. But you can take advantage of its free ATMs to save money while you’re on the road.

Another perk of joining an Alliant Credit Union car insurance program is their savings account, which offers high-yield interest. If you save at least $100 each month, you can earn an APY of 0.55%. There’s no monthly fee and you can name as many as 19 supplemental savings accounts. You may even get a lower rate by putting money into an account at another credit union.

The advertised rates include the automatic payment option. Without it, the rates are 0.4% higher. Applicants must be 18 years old and meet certain criteria. If you’re under 18, you may be denied credit. To find out if you qualify, you should visit the website or call the Alliant credit union. You’ll also need to have insurance and car registration. You must meet the age requirements for a car loan.


Alliant Credit Union is a financial cooperative that offers both auto insurance and life insurance. They also have a number of benefits for their members, such as 0.25% APY for deposit accounts, and sign-up bonuses. The rates offered by Alliant are well above those offered by traditional brick-and-mortar banks. For more information, visit the Alliant Credit Union website. You can also apply for a savings account at Alliant.

The ACU auto insurance plan covers your vehicle for the entire duration of the loan period, up to 72 months. This insurance plan pays benefits up to $50,000, but there’s a $1,000 deductible. It covers new and used vehicles, light trucks, motorcycles, and some motorized vehicles. ACU Auto Insurance also offers a $1,000 replacement credit, but only for vehicles that are financed by the credit union.

Alliant requires that you have a 500-plus credit score, be a resident of the United States, and be at least 18 years old. You can also apply for refinancing, which provides lower interest rates for the same loan. However, as of June 2019, customer reviews are mixed. However, the Alliant credit union has received excellent customer service. A member’s credit union membership can be beneficial and offer great value.

Costs of Alliant Credit Union car insurance vary greatly, but many members qualify for multiple rate discounts. A member must also join Alliant’s Foster Care to Success program to qualify for the discount. The cost of membership is only $5, and Alliant covers this fee. If you’re applying for car insurance, you’ll want to be aware that the term of your loan can be expensive. An 84-month loan, for example, can be quite expensive, and could put you upside down.


The Exclusions of Alliant Credit Union Car Insurance may seem to be rather extensive. After all, they cover a lot of things, but there are also some things that you don’t want covered. Here are some things that you should know before buying coverage. First, you should have an Alliant bank account. Alliant Credit Union offers free membership to people who don’t have one. They will even pay $5 of the membership fee for Foster Care to Success.

You may not always have your own car, so it’s good to have additional coverage. However, you may need to rent a car from time to time. Your Alliant Visa card covers rental collision damage waiver coverage. If you’re renting a car, the rental agent will probably try to convince you to pay extra for CDW coverage. If you’re unsure of whether you want to add this to your coverage, make sure to check the details.


Are you aware that Alliant Credit Union car insurance discounts are available? If so, you’ve come to the right place! If you’ve been using their services for many years, you’ve probably already benefited from a variety of discounts. Read on to learn more about these great benefits. This discount is an excellent opportunity to save money on your auto insurance. If you haven’t yet taken advantage of this offer, it’s still not too late.

To begin saving money on your car insurance, sign up for their member benefits. Alliant members receive a number of benefits including a free checking account, a free VISA logo ATM card, mobile banking and online bill pay, as well as auto loan rewards discounts. To find out more, visit their website or contact a member service representative today. The benefits are plentiful and are well worth the investment. But don’t forget to use these discounts!

To get auto insurance quotes from different companies, log on to the website of your credit union. While you may be eligible for a slight discount, other factors will have a greater impact on your premium. For best results, try to get several quotes to determine which ones offer the best deal. If you have a high credit score, you may qualify for an additional discount. But this discount will only apply to a small percentage of your premium.

Another discount offered by Alliant Credit Union is a 0.50% APR on auto loans. The rate for these loans is 0.50% lower than the standard Alliant auto loan rates, and does not include other rate discounts. Also, remember that these loans can be costly if you choose to take them for an extended period of time, such as eighty-four months or more. If you’re paying too much for an auto loan, you may end up upside down with no money to pay it off.

Rental car insurance

If you have an Alliant Visa credit card, you don’t have to worry about rental car insurance because you already have the right coverage for your auto policy. This coverage extends to additional drivers whose names are on your card and who are permitted by the rental car’s agreement. This rental coverage is especially beneficial for Alliant Visa cardholders, who may be tempted to skip the add-on insurance altogether. Instead, they should rely on the Rental Collision Damage Waiver.

The collision damage waiver will cover you for any additional expenses you incur when your vehicle is in the shop for repairs. It may also cover your personal insurance deductible if your insurance company determines that you didn’t pay it or if your insurance policy ceased to apply. The coverage doesn’t apply to routine maintenance and vacation rentals, though. However, it is an excellent option for those who don’t want to carry too much insurance coverage.