Allied Property & Casualty vs. American Select: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Allied Property & Casualty offers significantly more affordable prices than American Select
• Allied Property & Casualty offers more affordable premiums for policyholders whose driving record contains an at-fault collision
• American Select may help you save more money -- they offer more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty or American Select: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Allied Property & Casualty or American Select as potential options, but which company will offer you cheaper rates?

As you can see, Allied Property & Casualty has average rates that are around 30% a month more affordable than those from American Select when looking at the national average rates for auto insurance.

But Allied Property & Casualty may not be the lowest or best option for every driver out there. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things). So, at the end of the day, premiums from each company will differ quite a bit from person to person.

So, if you want to find out which of Allied Property & Casualty or American Select is really the best for you, keep reading to see average prices for each carrier broken down by multiple different rate factors.

Allied Property & Casualty vs. American Select: Average Car Insurance Rates by State

Allied Property & Casualty and American Select only compete against each other in one states, with Allied Property & Casualty offering less expensive premiums to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty rates are $22 cheaper than auto insurance prices at American Select.

That being said, there are plenty of other factors that go into your insurance payment than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any other group of drivers out there on the road. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Allied Property & Casualty for their insurance pay over 25% less than those who use American Select.

That being said, with both companies, you'll see your rates reduce significantly once you turn 25. For example, average prices for Allied Property & Casualty policyholders drop about $100 and American Select's premiums decrease around $150 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable car insurance prices out there. After all, they've likely been driving for quite some time, which normally lowers their chances of collisions and other infractions that can raise premiums.

But who has the best rates for retired drivers between Allied Property & Casualty and American Select? Allied Property & Casualty gets the edge, with premiums for drivers 65 and older $47 more affordable than the national average for American Select.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly less expensive insurance rates than single drivers. This usually boils down to married policyholders having multiple vehicles on their policy -- something several auto insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Allied Property & Casualty rates coming in at a quarter less than American Select's. The advantage is also clear for married couples - Allied Property & Casualty offers the cheapest average prices.

Allied Property & Casualty or American Select: Average Rates by Gender

You may not know, but insurance is typically cheaper for women than it is for men. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

Men generally pay about $6 per month more than women with Allied Property & Casualty, but with American Select, the difference is closer to $1 a month.

When it comes to the lowest prices for each gender, Allied Property & Casualty comes out on top for both men and women. On average, women save about $55 per month and men save around $50 with Allied Property & Casualty compared to the average American Select policyholder.

Allied Property & Casualty vs. American Select: 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.

It's no secret that auto insurance can be pretty complicated. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability insurance, Allied Property & Casualty has the edge, with average monthly premiums coming in at $69. If you want a full coverage policy with the same state minimum limits, Allied Property & Casualty again has the edge, with policies averaging about $167 a month to American Select's $251.

Is Allied Property & Casualty or American Select Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that accidents and speeding tickets lead to higher premiums, but which company -- Allied Property & Casualty or American Select -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allied Property & Casualty for their auto insurance can normally expect their monthly bill to go up around 21% after getting a speeding ticket. American Select policyholders can expect a bit more drastic of an increase of about 21%.

That being said, Allied Property & Casualty tends to offer the best prices for drivers both with a ticket and with a clean record -- their rates are around 34% cheaper for drivers with clean records and 34% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Allied Property & Casualty can expect to see around an $42 -- or about 35% -- rise in their insurance rates. Drivers who use American Select for their car insurance will see a monthly bill around $41 (or 26%) more expensive after reporting a collision to their insurance carrier.

At the end of the day, the cheaper premiums come from Allied Property & Casualty, with average prices coming in at $119 compared to American Select Insurance Company's $158.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, American Select will climb your rates about 55% after a DUI, while Allied Property & Casualty's average prices rise by more than 55%.

But if you end up with a DUI charge and are looking for more affordable rates, Allied Property & Casualty tends to be more affordable for the average driver, with monthly premiums coming in at around $179 to American Select's $258.

How does Credit Score Impact Allied Property & Casualty and American Select Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect lots of drivers out there.

The reasoning auto insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will usually be forced to pay more.

So, which company offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty or American Select 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 bill. Typically, those who drive less will end up with cheaper premiums since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Allied Property & Casualty or American Select report increasing prices for drivers with higher annual mileage figures. Even so, Allied Property & Casualty comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $118 per month for both.

Allied Property & Casualty or American Select: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads where they live.

Allied Property & Casualty boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 25% with Allied Property & Casualty compared to American Select. People who live in suburban areas pay around 19% less with Allied Property & Casualty compared to American Select. For policyholders in urban ZIP codes, Allied Property & Casualty Insurance Company's average premiums are about 43% less than American Select Insurance Company.

Allied Property & Casualty vs. American Select Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Allied Property & Casualty and American Select offer their customers so that you can see which one can save you the most money each month.

Looking at the total number of discounts, American Select comes out ahead with 20 discounts to Allied Property & Casualty's 16.

There are a couple discounts both companies offer, but American Select also offers discounts for ABS, account relationship, agency transfer, and more.

On the other hand, Allied Property & Casualty has a few proprietary discounts of their own for things like EFT discounts, employee discounts, good driving discounts, and more.

Final Thoughts: Is Allied Property & Casualty or American Select Best for You?

So, we've broken down the average prices for many of the variables auto insurance carriers look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the right carrier for you and your specific driver profile?

Allied Property & Casualty might be best for you if....

• Your driving record includes a DUI charge.
• Your credit score is high.
• You want to save money while purchasing insurance for a teenager.

American Select might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Allied Property & Casualty and American Select and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Allied Property & Casualty and American Select. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. American Select FAQs

Is Allied Property & Casualty or American Select cheaper?

Allied Property & Casualty is the more affordable of the two companies when looking at national average premiums, with policies averaging $118 a month with Allied Property & Casualty and $170 for American Select. Even so, that doesn't mean Allied Property & Casualty will be the lowest company for every policyholder, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or American Select?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all depends on what your unique car insurance profile looks like.

Why do Allied Property & Casualty and American Select offer me different rates?

Insurance carriers use many different variables when determining the rates they charge. Things such as age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and American Select calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if Allied Property & Casualty or American Select is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't Allied Property & Casualty or American Select at all, but another you hadn't even thought of!

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.