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

Quick Facts

• Based on national averages for car insurance, Allied Property & Casualty offers significantly cheaper rates than Frankenmuth
• Allied Property & Casualty offers less expensive average premiums for policyholders who live in the suburbs
• Allied Property & Casualty offers more affordable prices for drivers with a DUI charge on their record

Allied Property & Casualty vs. Frankenmuth: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Allied Property & Casualty or Frankenmuth, but between the two, which one will save you the most?

Looking at nationwide averages, Frankenmuth is quite a bit more expensive than Allied Property & Casualty, with rates averaging $318 per month compared to just $118 with Allied Property & Casualty.

Even so, that doesn't mean Allied Property & Casualty will necessarily be cheaper than Frankenmuth for every single driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your credit score, or even your driving record (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

Allied Property & Casualty or Frankenmuth: Average Car Insurance Rates by State

Allied Property & Casualty and Frankenmuth only compete against each other in one states, with Allied Property & Casualty offering less expensive prices to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty premiums are over 20% more affordable than car insurance prices at Frankenmuth.

That being said, there's a lot more that goes into your insurance bill than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Allied Property & Casualty save more than $450 a month compared to those who use Frankenmuth.

However, with both carriers, you'll see your premiums lower significantly once you turn 25. For example, average rates for Allied Property & Casualty policyholders reduce over $100 and Frankenmuth's prices decrease nearly $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you'll ever find.

But who has the best prices for retired drivers between Allied Property & Casualty and Frankenmuth? Allied Property & Casualty gets the edge, with premiums for drivers 65 and older almost 60% cheaper than the national average for Frankenmuth.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are typically more expensive for single drivers than they are for married drivers? This usually boils down to married policyholders having several cars on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, Allied Property & Casualty is the clear winner for single policyholders, with premiums about $228 per month less expensive than Frankenmuth, on average. The advantage is also clear for married couples - Allied Property & Casualty offers the lowest average rates.

Allied Property & Casualty vs. Frankenmuth: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding. That means when it comes to car insurance men will generally end up paying a little more.

On average, men see prices around $6 a month higher with Allied Property & Casualty, and about $6 with Frankenmuth.

Looking at overall affordability, Allied Property & Casualty offers the cheapest average premiums for both men and women, with average rates $200 less for men and $200 cheaper for women.

Allied Property & Casualty or Frankenmuth: 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 a complicated subject for most people. There are several different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

But the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Allied Property & Casualty usually offers significantly more affordable prices of $69 compared to Frankenmuth's $214. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies around $250 per month less expensive than Frankenmuth, on average.

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

It's no big secret that drivers who are accident-free get better deals on their 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 carriers offers the lowest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their prices to go up an average of $21 a month if they get a ticket, while Frankenmuth typically raises premiums about $74 per month, on average.

However, Allied Property & Casualty is usually the cheaper option for drivers both with clean records and with a speeding ticket, offering rates that are $96 and $149 more affordable, respectively, compared to Frankenmuth Insurance.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in a collision can expect to see their prices rise by over 35%, while those who have insurance through Frankenmuth will see around a 20% increase.

Overall, drivers who use Allied Property & Casualty end up with the cheaper prices after an accident, with monthly premiums averaging $119 compared to Frankenmuth Insurance's $214.

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 an accident. Frankenmuth drivers usually see a 73% climb in their car insurance prices after a DUI charge, while Allied Property & Casualty will normally increase rates by about 57%.

If you have a DUI on your record and are looking for more affordable premiums, Allied Property & Casualty tends to be the much less expensive option with average prices of $179 per month compared to $637 from Frankenmuth.

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

Did you know that many auto insurance companies take your credit score into account when calculating rates? This isn't always the case (for example, California and Michigan are two states that ban the practice entirely), but it will come into play for lots of policyholders.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the best premiums 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 Frankenmuth Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on how much car insurance companies will charge for coverage? Generally, those who drive fewer miles will end up with cheaper prices since there's less of a chance of getting into a collision and causing an insurance claim.

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

Allied Property & Casualty vs. Frankenmuth: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a sizable role in how much you pay for auto insurance. Normally, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the road in those areas, which decreases the chances of an accident.

Allied Property & Casualty boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save around $149 with Allied Property & Casualty compared to Frankenmuth. Drivers in suburban ZIP codes pay about $167 less with Allied Property & Casualty compared to Frankenmuth. In urban areas, Allied Property & Casualty Insurance Company's average prices are around $282 less than Frankenmuth Insurance.

Allied Property & Casualty vs. Frankenmuth Discounts

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

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you're eligible for.

In the section below, we've broken down all of the different discounts offered by both Allied Property & Casualty and Frankenmuth so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Allied Property & Casualty comes out ahead with 16 discounts to Frankenmuth's 11.

A couple of those are overlapping for things like distant student discounts, discounts for being a good driver, and multi-policy discounts. Allied Property & Casualty also offers EFT discounts, employee discounts, good student discounts, and more that Frankenmuth does not.

On the flip side, Frankenmuth has a couple unique discounts of its own -- family discounts, paid in full discounts, and renewal discounts.

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

So, you've seen how different variables can affect your insurance rates. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best company for you and your specific profile and needs?

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

• You have an at-fault accident on your record.
• You're looking for more protection with "full coverage" auto insurance.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Frankenmuth might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Allied Property & Casualty and Frankenmuth. 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 auto insurance policy is to compare quotes from several carriers, not just Allied Property & Casualty and Frankenmuth. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Allied Property & Casualty vs. Frankenmuth FAQs

Is Allied Property & Casualty or Frankenmuth cheaper?

Looking just at the national average premiums, Allied Property & Casualty is the more affordable of the two carriers, offering average rates of $118 per month compared to $318 for Frankenmuth. That being said, Allied Property & Casualty won't necessarily be the cheapest carrier for everyone, since there are a bunch 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 Frankenmuth?

Sadly, the answer truly is "it depends.". No single company is necessarily "better" for every driver -- it all boils down to your unique insurance profile.

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

Auto insurance companies take a look at many different variables when determining the rates they charge drivers. Things like where you call home, age, where you park your car, gender, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and Frankenmuth calculate prices using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the insurance company 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, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Allied Property & Casualty or Frankenmuth 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.