10 Auto Insurance Affiliate Programs

Hello there Sea Changers. Welcome back to my series of program lists to assist those of you looking to fund your sea change with affiliate marketing. Today we are going to continue our journey through the insurance niche with my 10 auto insurance affiliate programs to drive with this year. This post has come about from a recent one I did covering insurance programs as whole where it quickly became evident that there is so much to choose from within this niche that I have had to expand on every example I had included.

So for those looking to specialise within the auto insurance market, or add to any other car, RV or truck etc. related niche, let's check out what I have found.

Before we begin however, I am conscious that there are a number of different areas or sub niches within this subject hence the quantity of affiliate programs to choose from may be just as large. So how have I picked my best 10? Well… I really just wanted to give you a good cross section of what is out there so I did some searching around and checked a few out and chose them by looking at:

• What they offer
• Commission rates
• Payment terms
• Cookie duration
• Application processes
• Affiliate/Marketing materials provided

Before we start however, let's have a look at what I mean by the term ‘auto insurance' and how it can be incorporated within an affiliate marketing website…

 

What do we mean by Insurance?

Apart from a house, a car is usually the second largest purchase that many people make so it makes sense that auto insurance is a popular and necessary product the world over. Added to this is that many insurance companies have moved their operations online making this a great niche for affiliate marketers. So, with over 790,000 searches undertaken each month for the term ‘car insurance', I think this could be a good niche to build an affiliate business around, or as a great add on to anyone working with cars, or car parts as well.

So as we start to check out our auto insurance affiliate program options we can consider the following:

• Cars
• RVs/Caravans
• Motorcycles
• Boat & Watercraft
• Antique & Classic Cars
• ATV & Off-Road Vehicle
• Trucks
• Rental cars
• Vans
• And so on and so on

Legalities and Financial Implications

Before we begin however, there are a couple of things I just wanted to to cover. Firstly it should be highlighted that legalities around the sale of insurance policies vary substantially from country to country or state to state. Secondly, by nature, the acquisition of an insurance policy can place users into a contracted arrangement in which policy payments must be made in accordance with contract outlines and inclusions.

So if you are looking at this from an affiliate marketing point of view, great care must be given as to whether you could be construed as giving actual financial or insurance advice or not as many countries also regulate those who are legally able to do so. With all that in mind then, the list of affiliate programs below is provided on a factual basis only and due diligence should be undertaken in regards to their jurisdictional legalities prior to applying. They are also not provided with any advice in regards to the acquisition or use of these insurance policies.

So, now that that is all out the way, let's have a look at 10 programs that I have found below:

1. Liberty Mutual

Let's start with one of the biggest insurers in the United States in Liberty Mutual. Founded in 1912, the organisation has grown to become the 6th largest insurer in the world with a massive automobile centred portfolio including:

• Car
• Motorcycle
• Boat & Watercraft
• Antique & Classic Car
• ATV & Off-Road Vehicle
• Recreational Vehicle (RV)

In addition, for those in the great insurance coverage niches, they also offer

Property

• Home
• Renters
• Condo
• Landlord
• Mobile Home Insurance
• Flood

Other

• Umbrella
• Life
• Accident
• Critical Illness
• Identity Theft
• Pet
• Tuition
• Small Business

And as is becoming more and more common these days, they offer discounts for online management as well as services such as roadside assistance and small business advice options.

This is a great site for affiliates as it allows you to cover auto insurance as a base or all aspects of insurance in the one spot. It would also make a great addition to any niche dealing with the above areas as well.

Commission Rate:

• Auto Insurance: $10 per lead
• Multi Policy: $17 per lead

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, Liberty Mutual's affiliate program is managed by CJ Affiliates. You will be required to apply for an account then for the Liberty Mutual affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links, bonus commission promotions

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2. Allstate

Allstate is another large and well-known insurance company that is “committed to make a difference”. Their range of policy option is almost too large to list here however their main auto options include:

• Auto
• Motorcycle
• Boat
• Off-Road Vehicle
• Snowmobile
• Motorhome & RV

And again for those looking at insurance as a whole they also offer:

• Home
• Renters
• Term Life
• Condo
• Business
• Identity Theft Protection
• Flood
• Pet
• Retirement & Investments
• Event
• Landlord

This site would definitely make a great baseline for any auto insurance based affiliate business or again, as an add on to any site centred on the insurance options above (home, pet, business etc.). They also offer some great range of tools and resources to assist your readers and/or provide good post options for your site as well as extra services such as accident forgiveness, new car replacement and Deductible Rewards.

Commission Rate: Auto Insurance – $10 per lead

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, the Allstate affiliate program is managed by Impact. You will be required to apply for an account then for the Allstate affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links, banners

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3. esure

esure is a U.K. based company that have converted their original “direct-selling insurance over the telephone” model into an online based operation offering a streamlined process for the purchase of car insurance by their customers. This includes coverage of:

• Courtesy car
• Driving other cars
• Windscreen cover
• Legal liability
• Motoring legal advice line
• Guaranteed repair work
• In car entertainment theft

And as per the sites above, there is also coverage for home and travel insurance too.

This would make a great addition to any auto insurance affiliate site or as usual, a decent side link to anybody looking to add to their travel, home or home security niches as well.

Commission Rate: £25 per auto insurance policy

Payment Terms: 90 Days

Cookie Duration: 30 Days

Application required?: Yes, esure's affiliate program is managed by AWIN. You will be required to apply for an account then for the esure affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links

Note: Car and Home Insurance affiliate programs run separately.

4. Electric Insurance Company

As with the sites above, Electric Insurance Company is a “licensed property/casualty insurer” offering a good range of auto related products covering:

• Bodily injury liability
• Property damage liability
• Medical payments
• Personal injury protection (PIP)
• Uninsured/Underinsured motorist
• Collision
• Comprehensive (other than collision)
• Rental vehicle
• Towing & labor
• Loan/Lease gap

Their other insurance policy options also include

• Home
• Umbrella
• Flood
• Recreational Vehicles/Watercraft

As with most of the insurance sites listed here, this is probably enough to build an affiliate marketing business around however it would be a great companion/add on to just about any finance, investment, security or homemaker related site possible or within the outdoors niches too.

This site also offers a number of great services including:

• Great Driver™ App
• Risk Coach™ Tool
• MyAccount Policy Management Center

Commission Rate: Not Stated

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, you will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

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5. Aviva

Aviva is a U.K. based site that whilst probably more of a financial service platform that one aimed solely on insurance, it does provide access to a large number of auto based policies as well. Boasting coverage of around 15.5 million people in the U.K., their car insurance offerings include:

• Car and multi car
• Van
• Business car
• Breakdown cover
• Temporary car
• Learner car
• Motorhome and camper van
• Third party, fire and theft

And as with many of the sites above, they also offer insurance in other areas such as:

• Home
• Pet
• Travel
• Business
• Health and accident
• Life
• As well as numerous financial and retirement packages too

This would make a great addition to any general insurance or financial services affiliate site or as a baseline for those looking to work within the world of auto, home, pets and/or home security. There is also a fantastic blog section outlining everything you could need to assist in your affiliate posts.

Commission Rate: Not Stated (“some of the highest in the industry”)

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes, the Aviva affiliate program is managed by Awin. You will be required to apply for an account then for the Aviva affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links, seasonal incentives and rewards

6. AiB

AiB (Airsports Insurance Bureau) is yet another multi purposed insurance broker offering coverage across a large spectrum of markets including for cars. The reason I have added this one however is due to its added coverage of specific car uses such as:

• High Performance and Exotic Vehicles
• High Value and Supercars
• Classic and Vintage Car Insurance
• 4×4 or off Road Vehicles
• Modified Car Insurance
• Kit Car Insurance
• American & Japanese Imported Vehicles
• Truck
• Minibus
• Bike
• Courier

And of course there is also coverage for general daily use vehicles and motor homes as well. And in terms of their other insurance based offerings, there is a huge range of obscure (for want of a better word) options too which are outlined in the graphic below.

This would make a great site to base an affiliate business on in any insurance services site or as an add on for those working specifically within any of the coverage options listed above. There is also a fantastic blog section outlining everything you could need to assist in your affiliate posts – especially if you are in general or specialised car niches.

Commission Rate: Not Stated

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes. You will need to apply via contact details on the affiliates page.

Marketing material provided: Banners, text links

7. Trip Cover

Now we look into the world of rental cars with Trip Cover. Trip Cover is an Australian site offer policies protecting those renting cars and camper vans in Australia, New Zealand and worldwide. Its policies include coverage of:

• Excess fees for car rental damage including multi and single vehicle accidents, windscreens, lights, tyres, wheels, undercarriage and overhead damage.
• All car rental companies up to 4.5T (Non commercial vehicles only) .
• Car rental excess for $4000, $6000 or $8000 cover.
• Luggage and personal effects covered up to $1500.
• Relocation of car rental to the value of $500 if the renter is medically unfit to do so.
• Covers the eligible age drivers authorised or listed on the car rental agreement.

Domestic policies (travel within Australia) cover Australians, New Zealanders and overseas visitors traveling in Australia and International policies are for Australians going to New Zealand and worldwide.

There is probably not enough here to base an affiliate business on however it would make a great addition to any insurance, car rental or general travel site as well.

Commission Rate: 11%

Payment Terms: Monthly

Cookie Duration: 60 Days

Application required?: Yes, Trip Cover's affiliate program is managed by Commission Factory. You will be required to apply for an account then for the Trip Cover affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links

8. gabi

gabi is not an insurance company as such rather an insurance comparison site (like Booking.com or Trivago in the travel industry but for insurance) that provides policy comparisons from over 40+ insurance providers. With a site outline of allowing users to “find and switch to a cheaper insurance rate within minutes for free”, gabi opens access to providers offering various auto related insurance options based on personal needs.

They also offer comparisons for home and contents insurance as well.

This site would work best as a base or add on to any general auto insurance related affiliate business or incorporated within any mainstream insurance, finance, lending or investments site as well especially where the focus is on budget options.

Commission Rate: $5 + per sign up

Payment Terms: Monthly.

Cookie Duration: 90 days

Application required?: Yes, gabi's affiliate program is managed by Share-A-Sale. You will be required to apply for an account then for the gabi affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Text links and banners

9. insurify

insurify is our next comparison engine site offering comparisons from over 200 insurance companies “who can work with you to get you the right auto insurance policy at the cheapest price”. Insurance policies are compared to give the best options based on:

• Where you live
• What you drive
• How you drive
• Credit score etc.

They also offer access to home insurance sites as well.

As with the site above, this would make a great addition to any auto insurance or financial services affiliate site or for any vehicle specific options too. There is also a fantastic resources section too outlining information, reports, insights and comparison quote averages.

Commission Rate: Not Stated

Payment Terms: Monthly

Cookie Duration: Not Stated

Application required?: Yes. Application with business information via email address on affiliate page.

Marketing material provided: Banners, text links

10. Confused.com

Our last site, Confused.com, “is the first and longest-running UK comparison site” which provides access to quotes from over 30 different services in the following categories:

• Car insurance
• Van insurance
• Motorbike insurance
• Multi-car insurance
• Temporary car insurance
• Temporary van insurance
• Caravan insurance
• Motorhome insurance
• Black box insurance
• Classic car insurance
• Learner insurance
• Gap insurance
• Motor excess insurance
• Motor trade insurance
• Fleet insurance
• Taxi insurance

And for those in the general auto niches, the site also offers a number of other services too including:

• Car Finance
• Car Shopping
• Running Your Car (breakdown cover etc.)

And as well as above, they also offer the same services for Home, Health, Travel and Hire Car insurance and services too.

There is definitely enough here to base an affiliate business on if you are dealing with U.K. based insurance options or again, as an add on to any category specific niche listed above. And as a bonus for your referrals, anyone who purchases car or home insurance via this site is rewarded with a free gift (fuel and gift cards etc.) via the Confused.com Rewards program.

Commission Rate: £2.30 for each new quote generated

Payment Terms: Monthly

Cookie Duration: 30 days

Application required?: Yes, the Confused.com affiliate program is managed by Awin. You will be required to apply for an account then for the Confused.com affiliate program. You will need to enter personal and website information to apply.

Marketing material provided: Banners, text links

How to find your own affiliate programs

As stated earlier, by outlining the sites above I have really just tried to give you a good cross section of the types of programs that are out there by listing the really good ones in each ‘category'. That does not mean that you cannot find affiliate programs that better suit what it is that you are trying to do within this space especially as I could never even begin to cover every auto insurance related requirement or sub niche in the one post. Luckily for us, there is a simple way to find these programs online.

All you need to do is enter “affiliate: niche type” into your search engine (substituting ‘niche type‘ for whatever product it is that you are choosing to sell).

There are insurance affiliate programs for everything else that we have listed at the top of this page as well – you will just need to have a look around until you find one or two that suit your site. Once you have completed your searches, you can look through and find programs that:

• Relate to your niche/problems that you are solving.
• Have quality products – your brand can be severely damaged if you promote poor quality or untrustworthy products.
• Have solid payment and customer service arrangement.
• Pay decent commissions.
• Have good testimonials covering commission payouts and quality of product.

In most cases, you will need to apply for the program before you are allowed to promote their products – don’t take this step lightly or you will be rejected. Affiliate programs will generally want to know:

• Your website name.
• Traffic levels.
• Why you want to join – (so I can make money by selling your car insurance is unfortunately not generally a good enough answer).
• How you plan to promote their products.

Conclusion

So… There are 10 of the best auto insurance affiliate programs to drive with this year. I hope it has been helpful for you as you commence your own insurance based affiliate marketing business and as usual, please do not hesitate to comment below if you have any questions, need some advice or have any experiences to share. Oh, and especially comment if you have any experience with these, or any other programs as well.

Until next time

Have fun

Paul

Note: If you make a purchase from this page, there is a very good chance that I make a commission from it – these commissions do not increase your sale price. This may include sales made via Wealthy Affiliate.

Do you want further assistance with any of the above or need help to build your own insurance, car or finance based website?

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