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

Quick Facts

• Based on national averages for insurance, Allied Property & Casualty offers slightly less expensive premiums than Cig
• Allied Property & Casualty offers cheaper average rates for policyholders who drive fewer than 12,000 miles yearly
• Cig tends to be a much more affordable option for policyholders whose driving record contains an at-fault collision

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

Are you considering 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 might be considering Allied Property & Casualty or Cig as potential options, but which one will offer you less expensive prices?

Looking at the national average rates for both carriers, Cig is around $1 more a month than Allied Property & Casualty.

However, Allied Property & Casualty may not be the most affordable or best option for every single driver out there. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things), so rates will vary quite a bit from person to person.

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

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

Allied Property & Casualty and Cig only compete against each other in one states, with Allied Property & Casualty offering cheaper rates to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty prices are $27 more affordable than insurance premiums at Cig.

That being said, there are plenty of other factors that go into your auto insurance cost than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers out there on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Allied Property & Casualty for their car insurance pay 3% less than those who use Cig.

Even so, both carriers will reduce premiums by the time you turn 25. For example, average prices for Allied Property & Casualty policyholders decrease about $100 and Cig's rates lower over $100 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Allied Property & Casualty and Cig? In this case, Cig has the slight edge, with prices around $3 per month less than Allied Property & Casualty. That being said, the difference is only about 5%, so other factors will likely come into play when determining which company has the most affordable premiums for you.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are normally more expensive for single policyholders than they are for married drivers? That's because policies for married couples generally cover more than one vehicle, which lots of companies will give you a discount for.

When it comes to relationship status, Allied Property & Casualty is the winner for single drivers, with prices around 2% a month less expensive than Cig, on average.

Allied Property & Casualty or Cig: Average Rates by Gender

Because women are less likely to get speeding tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, women tend to get cheaper rates than men.

Normally, women see rates about 5% per month less with Allied Property & Casualty, and around 3% less with Cig when compared to their male counterparts.

Looking at overall affordability, Allied Property & Casualty comes out as the cheapest option for both genders. On average, women save about $2 a month and men save about $0 with Allied Property & Casualty compared to the average Cig policyholder.

Allied Property & Casualty vs. Cig: 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.

Auto insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

When it comes to state minimum limits for liability insurance, Allied Property & Casualty has the edge, while Cig offers the lowest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $2 with Allied Property & Casualty Insurance Company, while full coverage comes out to be around $1 cheaper with CIG Insurance.

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

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your premiums, but is Allied Property & Casualty or Cig more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Allied Property & Casualty for their car insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Cig policyholders can expect a less drastic increase of around 21%.

However, Allied Property & Casualty has less expensive prices for drivers in both categories, offering rates that are 13% and 13% more affordable, respectively, compared to CIG Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Allied Property & Casualty can expect to see about an $42 -- or around 35% -- rise in their insurance premiums. Drivers who use Cig for their auto insurance will see a monthly bill about $30 (or 25%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, the cheaper prices come from Cig, with average rates coming in at $118 compared to Allied Property & Casualty Insurance Company's $119.

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 ticket or even a collision. Allied Property & Casualty drivers usually see a 57% climb in their insurance premiums after a DUI charge, while Cig will normally raise prices by around 44%.

But if you end up with a DUI charge and are looking for more affordable rates, Cig tends to be less expensive for the average driver, with monthly premiums coming in at about $157 to Allied Property & Casualty's $179.

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

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as a car insurance factor, but it might come into play for a lot of policyholders.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Cig and Allied Property & Casualty, which company has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty or Cig Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly prices. That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Allied Property & Casualty charges. However, there's a small difference in monthly premiums for Cig, with policyholders who drive the least paying around $12 less each month compared to those who drive 12,000 miles annually.

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

Where you live can have a sizable impact on your monthly auto insurance bill. Generally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, Allied Property & Casualty tends to offer the lowest option for drivers in urban and suburban areas, while Cig wins in rural areas.

For drivers in urban ZIP codes, Allied Property & Casualty's average rates are about $117 per month compared to Cig's $128. People in suburban areas pay around $121 with Allied Property & Casualty compared to Cig's $123 per month. Those in rural areas can expect to pay about $106 monthly with Cig compared to Allied Property & Casualty's $117.

Allied Property & Casualty vs. Cig Discounts

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

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Allied Property & Casualty and Cig offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Cig blows Allied Property & Casualty away when it comes to the sheer amount of discounts available, offering nine more discounts than Allied Property & Casualty.

A couple of those are overlapping for things like discounts for being a defensive driver, employee discounts, discounts for being a good driver, and discounts for being a homeowner. Cig also offers discounts for ABS, anti-theft, company car, and more.

On the other hand, Allied Property & Casualty has a few proprietary discounts of their own for things like EFT discounts, intra-agency transfer discounts, and paperless discounts.

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

So, you've seen how different variables can affect your insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is Allied Property & Casualty or Cig the best one for you, your vehicle, and your wallet?

Cig might be best for you if....

• You already have a great credit score.
• Your neighborhood is in a rural area.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

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

• You've been pulled over for speeding recently.
• Your home is located in the suburbs.
• You drive often but have a short commute.

Hopefully, this guide helps you get a good idea of the differences between Allied Property & Casualty and Cig. We also hope we've given you the information you need to make the best 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 insurance policy is to compare quotes from several carriers, not just Allied Property & Casualty and Cig. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. Cig FAQs

Is Allied Property & Casualty or Cig cheaper?

Allied Property & Casualty is the cheaper of the two carriers when looking at national average rates, with policies averaging $118 a month with Allied Property & Casualty and $119 for Cig. Even so, that doesn't mean Allied Property & Casualty will be the most affordable company for everyone, since there are a range of different factors that are considered when it comes to your insurance payment.

Who is better, Allied Property & Casualty or Cig?

Unfortunately, the real answer is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, Allied Property & Casualty is more affordable for drivers who have less-than-stellar credit scores, while Cig offers cheaper prices for policyholders with an at-fault accident on their record.

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

Auto insurance companies use quite a few different variables when determining the premiums they charge. Factors like your driving record, gender, where you park your car, age, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and Cig calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from lots of different carriers.

How do I know if Allied Property & Casualty or Cig 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 companies 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 area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Allied Property & Casualty or Cig 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.