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

Quick Facts

• In general, Allied Property & Casualty offers less expensive prices than General Casualty
• Allied Property & Casualty offers more affordable average premiums for drivers who have received a ticket within the last few years
• Allied Property & Casualty offers more affordable rates for policyholders who live in the suburbs

Allied Property & Casualty vs. General Casualty: 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 large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Allied Property & Casualty or General Casualty for your next policy, but between the two, which company will offer you cheaper prices?

Looking at the national average rates for both companies, Allied Property & Casualty is about $21 per month less expensive than General Casualty.

But that doesn't necessarily mean Allied Property & Casualty will be the cheaper option for every driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things), so premiums will differ quite a bit from person to person.

Wanting to know if Allied Property & Casualty or General Casualty is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

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

There are plenty of other factors that go into your auto insurance bill than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. Just look at the table above -- where 18-year-old drivers who have Allied Property & Casualty for their car insurance pay more than $30 less than those who use General Casualty.

That being said, both companies will drop rates once you turn 25. For example, average prices for Allied Property & Casualty policyholders lower over $100 and General Casualty's rates reduce around $150 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable auto insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

So, which company offers the best premiums to retired drivers? Allied Property & Casualty gets the edge, with prices for drivers 65 and older nearly 30% more affordable than the national average for General Casualty.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be less expensive for married drivers than they are for single policyholders. That's because policies for married policyholders usually cover more than one car, which a lot of carriers will offer you a discount for.

When it comes to relationship status, Allied Property & Casualty is the clear winner for those who are single, with prices about $25 a month more affordable than General Casualty, on average. For married couples, the advantage is clear again - Allied Property & Casualty has the edge when it comes to average premiums.

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

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll typically end up paying more for insurance than women.

Women generally pay around 5% per month less than men with Allied Property & Casualty, while with General Casualty, the difference is closer to 10% a month.

When it comes to the cheapest prices for each gender, Allied Property & Casualty comes out on top for both men and women, with average premiums 17% less for men and 13% cheaper for women.

Allied Property & Casualty or General Casualty: 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 a range of different coverages that account for a bunch 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.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum liability limits, Allied Property & Casualty typically offers cheaper rates of $69 compared to General Casualty's $82. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies about $30 per month less expensive than General Casualty, on average.

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

It's no big secret that drivers who are accident-free get better deals on their car 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 accidents and tickets on your record, but which of these two companies offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their rates to go up an average of $21 a month if they get a ticket, while General Casualty normally raises premiums around $43 per month, on average.

But Allied Property & Casualty is usually the cheaper option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save about $13 a month and drivers with a ticket can save around $35 per month with Allied Property & Casualty Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Allied Property & Casualty can expect to see about an $42 -- or around 35% -- increase in their car insurance rates. Drivers who use General Casualty for their insurance will see a monthly bill about $56 (or 38%) more expensive after reporting a collision to their auto insurance carrier.

Overall, Allied Property & Casualty offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $119 compared to General Casualty's $146.

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 car insurance bill -- normally a lot more than an accident or speeding ticket. Allied Property & Casualty drivers usually see a 57% increase in their insurance premiums after a DUI charge, while General Casualty will usually raise rates by around 52%.

If you have a DUI on your record and are looking for more affordable prices, Allied Property & Casualty tends to be the much less expensive option with average rates of $179 monthly compared to $186 from General Casualty.

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

In many cases, your credit score can come into play when carriers calculate your monthly bill. 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 prices.

So, which company offers the lowest 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 General Casualty Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly rates. That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither Allied Property & Casualty or General Casualty report increasing prices for drivers with higher annual mileage figures. That being said, Allied Property & Casualty comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average premiums of $118 a month for both.

Allied Property & Casualty vs. General Casualty: 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 insurance, but the type of area you live in can have a substantial impact as well. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer vehicles on the roads in those areas.

When comparing these two carriers side-by-side, Allied Property & Casualty generally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Allied Property & Casualty's average rates are about $117 while General Casualty offers prices around $151. People in suburban areas pay a monthly price of about $121 with Allied Property & Casualty compared to $134 with General Casualty. Those in rural areas can expect to pay around $117 per month with Allied Property & Casualty and $131 with General Casualty.

Allied Property & Casualty vs. General Casualty Discounts

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

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 can take advantage of.

In the section below, we've broken down all of the different discounts offered by both Allied Property & Casualty and General Casualty so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Allied Property & Casualty has the advantage when it comes to total number of discounts. General Casualty offers a grand total of 12 discounts, while Allied Property & Casualty has 16.

A couple of those are overlapping for things like advance quote discounts, distant student discounts, discounts for being a good driver, and new vehicle discounts. Allied Property & Casualty also offers EFT discounts, group discounts, homeowner discounts, and more that General Casualty does not.

On the flip side, General Casualty has a couple unique discounts of its own -- anti-theft discounts, occupation discounts, and paid in full discounts.

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

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which insurance company is the best one for you, your vehicle, and your wallet?

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

• Your credit is below-average.
• You're looking for the carrier with the most discounts.
• You drive often but have a short commute.

General Casualty 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 Allied Property & Casualty and General Casualty. We also hope we've given you the information you need to make the best decision when it comes to your 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 General Casualty. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. General Casualty FAQs

Is Allied Property & Casualty or General Casualty cheaper?

Looking just at the national average premiums, Allied Property & Casualty is the cheaper of the two carriers, offering average rates of $118 per month compared to $139 for General Casualty. Even so, Allied Property & Casualty won't necessarily be the most affordable company for everyone, since there are lots 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 General Casualty?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

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

Car insurance companies take a look at quite a few different variables when calculating the rates they charge policyholders. Factors like where your home is, gender, where you live, age, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and General Casualty use different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto 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 information once and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Allied Property & Casualty or General Casualty 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.