Alliance United vs. Cse: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Cse offers significantly more affordable rates than Alliance United
• Cse offers more discounts than Alliance United
• Cse offers more affordable prices for couples purchasing insurance together

Alliance United vs. Cse: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Alliance United or Cse for your next policy, but between the two, which one will offer you less expensive rates?

Looking at nationwide averages, Cse has average rates that are about 22% per month cheaper than those from Alliance United.

Even so, that doesn't necessarily mean Cse will be the more affordable option for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things), so prices will change quite a bit from person to person.

Luckily, we've broken down average premiums from both Alliance United and Cse by a bunch of different rate factors, so read on to find out which company is the best for you.

Alliance United or Cse: Average Car Insurance Rates by State

Both Alliance United and Cse only offer car insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Cse offers auto insurance for $175 a month on average. Alliance United's average prices come out to be over 20% more expensive, at $225 per month.

Typically, the state you live in will play a large role in how much you pay for car insurance, but since both companies only do business in California, a wide array of other factors will come into play when you compare Alliance United and Cse. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Cse save nearly $70 a month compared to those who use Alliance United.

That being said, with both carriers, you'll see your premiums reduce significantly by the time you turn 25. For example, average rates for Alliance United policyholders drop more than 45% and Cse's prices lower over 50% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest car insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

When looking at Alliance United and Cse specifically, which carrier is best for retired drivers? Cse gets the edge, with prices for drivers 65 and older $66 cheaper than the national average for Alliance United.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are normally more expensive for those who are single than they are for married drivers? That's usually because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Cse is the clear winner for single drivers, with premiums around $46 per month less expensive than Alliance United, on average. The advantage is also clear for married policyholders - Cse offers the most affordable average prices.

Alliance United vs. Cse: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they run a larger risk of filing a claim with insurance. Therefore, men tend to get higher rates than women.

Women and men get the same monthly rates with Alliance United; women and men get the same monthly premiums with Cse.

Looking at the data for each company specifically, Cse offers the cheapest average prices for both men and women, with average rates $50 less for men and $50 cheaper for women.

Alliance United or Cse: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Car insurance can be a complicated subject for most people. There are a variety of different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Cse usually offers more affordable premiums of $81 compared to Alliance United's $102. When it comes to full coverage policies with similar limits, Cse again has the edge, with policies about $80 a month cheaper than Alliance United, on average.

Is Alliance United or Cse Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and accidents on your record, but which of these two companies offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United policyholders can expect their premiums to go up an average of $46 per month if they get a ticket, while Cse normally raises prices around $38 a month, on average.

But Cse is generally the less expensive option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about $16 per month and drivers with a ticket can save around $24 a month with CSE Insurance Group.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with Alliance United raising by $150. Cse has a less extreme increase, but you can still expect to pay just under $55 more than you were prior to your first collision.

Overall, the cheaper prices come from Cse, with monthly rates averaging $176 compared to Alliance United's $289.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- typically a lot more than an accident or speeding ticket. For example, Alliance United increases average premiums by $150 per month -- that's over a 50% increase.

If you have a DUI on your record and are looking for more affordable rates, Cse tends to be the much less expensive option with average premiums of $241 monthly compared to $289 from Alliance United.

How does Credit Score Impact Alliance United and Cse Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly car insurance prices. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it might come into play for lots of drivers.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable premiums.

Looking specifically at Alliance United and Cse, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Alliance United or Cse Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance cost. Generally, those who drive fewer miles will end up with less expensive rates since there's less of a chance of getting into a collision and causing an insurance claim.

Cse tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure. Cse's average premiums for drivers with 6,000 annual miles come in just under 25% cheaper than Alliance United. Those who drive 12,000 miles annually can expect to pay more than 20% less with Cse over Alliance United.

Alliance United vs. Cse: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a sizable impact on your monthly car insurance payment. Normally, those who live in urban areas will pay more than policyholders in rural areas because of the number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Cse typically comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both companies, but Cse comes out on top with average prices about $161 a month. Cse also has more affordable average premiums for policyholders in urban and suburban ZIP codes -- a $44 and $61 a month respective difference when compared to Alliance United drivers in similar areas.

Alliance United vs. Cse Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts Alliance United and Cse offer their customers so that you can find the company that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Cse has a slight advantage when it comes to total number of discounts. Alliance United offers a grand total of three discounts, while Cse has five.

There are a couple discounts both carriers offer, but Cse also offers employee discounts, goverment employee discounts, mature driver discounts, and more that Alliance United does not.

On the flip side, Alliance United has a couple unique discounts of its own -- discounts for being a defensive driver and renewal discounts.

Final Thoughts: Is Alliance United or Cse Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts companies offer. But, at the end of the day, which company is the right carrier for you and your specific profile and needs?

Cse might be best for you if....

• You have a clean record.
• You live in an urban area.
• You and your spouse are buying insurance together.

Alliance United might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Alliance United and Cse and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Alliance United and Cse. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Alliance United vs. Cse FAQs

Is Alliance United or Cse cheaper?

Looking just at the national average rates, Cse is the cheaper of the two carriers, offering average rates of $175 per month compared to $225 for Alliance United. However, Cse won't necessarily be the lowest carrier for each driver, since there are lots of different variables that come into play when it comes to your auto insurance bill.

Who is better, Alliance United or Cse?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for every driver -- it all comes down to what your unique car insurance profile looks like.

Why do Alliance United and Cse offer me different rates?

Auto insurance companies take a look at a lot of different factors when calculating the prices they charge policyholders. Variables such as your driving record, gender, where you call home, age, and sometimes even things like your credit score can all come into play. Both Alliance United and Cse use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if Alliance United or Cse is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Alliance United or Cse at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.