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

Quick Facts

• In general, Allied Property & Casualty offers less expensive rates than Western Reserve Group
• Allied Property & Casualty has cheaper premiums for policyholders who are looking to purchase insurance with a spouse
• Allied Property & Casualty tends to be a much less expensive option for policyholders who drive fewer than 12,000 miles yearly

Allied Property & Casualty or Western Reserve Group: Which Company has the Cheapest Car Insurance?

So, you're considering switching to 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 have narrowed your search down to Allied Property & Casualty or Western Reserve Group, but which carrier will offer you cheaper prices?

Looking at nationwide averages, Western Reserve Group is around $19 more a month than Allied Property & Casualty.

However, that doesn't mean Allied Property & Casualty will necessarily be more affordable than Western Reserve Group for every driver. After all, insurance carriers can offer drastically different rates to every 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 each carrier will differ quite a bit from person to person.

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

Allied Property & Casualty vs. Western Reserve Group: Average Car Insurance Rates by State

Allied Property & Casualty and Western Reserve Group only compete against each other in one states, with Allied Property & Casualty offering cheaper premiums to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty prices are $9 less expensive than car insurance rates at Western Reserve Group.

That being said, there's a lot more that goes into your insurance payment than just the state you live in. 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 car insurance prices of any other group of drivers out there on the road. It's typically because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, 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 auto insurance pay almost 10% less than those who use Western Reserve Group.

That being said, with both companies, you'll see your premiums reduce significantly once you turn 25. Western Reserve Group offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Allied Property & Casualty still has the lowest rates at $110 per month.

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 prices out there.

But who has the best premiums for retired drivers between Allied Property & Casualty and Western Reserve Group? Allied Property & Casualty gets the edge here, with average rates coming in at about $89 a month compared to Western Reserve Group's $107.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are normally more affordable for married policyholders than they are for single policyholders? That's because policies for married couples generally cover multiple vehicles, which many carriers will give you a discount for.

For those who are single, the difference in average premiums between these two companies is significant, with Allied Property & Casualty rates coming in at around 15% less than Western Reserve Group's. The advantage for married drivers with Allied Property & Casualty is also obvious, where drivers save about $15 per month.

Allied Property & Casualty or Western Reserve Group: Average Rates by Gender

You may not know, but car insurance is usually more expensive for men than for women. That's because men are more likely to get speeding tickets and get into accidents, which raises the chances of filing a claim with insurance.

On average, men see premiums around $6 a month higher with Allied Property & Casualty, but surprisingly, with Western Reserve Group, men normally pay about $2 per month less than women.

When it comes to the cheapest prices for each gender, Allied Property & Casualty offers the lowest average rates for both men and women. On average, male drivers save about $15 a month and women save around $23 with Allied Property & Casualty compared to the average Western Reserve Group policyholder.

Allied Property & Casualty vs. Western Reserve Group: 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.

For most people, auto insurance can be pretty complicated. There are lots of different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries 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 limits, Allied Property & Casualty has the significant 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 per month to Western Reserve Group's $180.

Is Allied Property & Casualty or Western Reserve Group 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.

Speeding tickets and at-fault collisions will most likely raise your prices, but is Allied Property & Casualty or Western Reserve Group cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allied Property & Casualty for their car insurance can generally expect their monthly bill to go up around 21% after getting a speeding ticket. Western Reserve Group policyholders can expect a bit more drastic of an increase of about 28%.

Even so, Allied Property & Casualty is usually the less expensive option for both drivers who have a recent ticket and those with clean records -- their rates are around 13% more affordable for drivers with clean records and 20% cheaper for those with a ticket.

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 around an $42 -- or about 35% -- rise in their car insurance rates. Drivers who use Western Reserve Group for their auto insurance will see a monthly bill around $32 (or 27%) more expensive after reporting a collision to their car insurance carrier.

At the end of the day, the more affordable premiums come from Allied Property & Casualty, with average prices coming in at $119 compared to Western Reserve Group's $120.

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. Western Reserve Group drivers usually see a 60% climb in their auto insurance rates after a DUI charge, while Allied Property & Casualty will usually increase premiums by about 57%.

But if you end up with a DUI charge and are looking for more affordable prices, Allied Property & Casualty tends to be less expensive for the average driver, with monthly premiums coming in at around $179 to Western Reserve Group's $218.

How does Credit Score Impact Allied Property & Casualty and Western Reserve Group Rates?

Did you know many car insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it will come into play for a lot of drivers.

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

So, which company offers the most affordable prices for policyholders 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 Western Reserve Group Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on how much auto insurance carriers will charge for coverage. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

In this case, neither Allied Property & Casualty or Western Reserve Group 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 vehicle annually, with average prices of $118 a month for both.

Allied Property & Casualty or Western Reserve Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a sizable role in how much you pay for car insurance. Generally, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads where they live.

Allied Property & Casualty tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Allied Property & Casualty Insurance Company's average prices are about 20% less than Western Reserve Group. People who live in suburban areas pay around 13% less with Allied Property & Casualty compared to Western Reserve Group. Those in rural areas can expect to save about 6% with Allied Property & Casualty compared to Western Reserve Group.

Allied Property & Casualty vs. Western Reserve Group Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Allied Property & Casualty and Western Reserve Group so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Overall, Allied Property & Casualty has the advantage when it comes to total number of discounts. Western Reserve Group offers a grand total of 11 discounts, while Allied Property & Casualty has 16.

There are a couple discounts both companies offer, but Allied Property & Casualty also offers discounts for EFT, employee discount, good driving, and more.

On the other hand, Western Reserve Group has a few proprietary discounts of their own for things like agency transfer discounts, anti-theft discounts, company car discounts, and more.

Final Thoughts: Is Allied Property & Casualty or Western Reserve Group Best for You?

So, you've seen how different factors can affect your car insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Allied Property & Casualty or Western Reserve Group the best fit for you?

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

• You will be the only person on the auto insurance policy.
• You already have a great credit score.
• You live in a rural area.

Western Reserve Group might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Allied Property & Casualty and Western Reserve Group. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Allied Property & Casualty and Western Reserve Group. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes 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. Western Reserve Group FAQs

Is Allied Property & Casualty or Western Reserve Group cheaper?

Allied Property & Casualty is the cheaper of the two carriers when looking at national average rates, with policies averaging $118 per month with Allied Property & Casualty and $137 for Western Reserve Group. But that doesn't mean Allied Property & Casualty will be the cheapest company for everyone, since there are multiple different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or Western Reserve Group?

Unfortunately, the real answer is "it depends.". Neither carrier is "better" for each policyholder -- it all depends on what your unique insurance profile looks like.

Why do Allied Property & Casualty and Western Reserve Group offer me different rates?

Car insurance companies use lots of different factors when calculating the premiums they charge. Variables such as your driving record, gender, where your home is, age, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and Western Reserve Group calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Allied Property & Casualty or Western Reserve Group is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple 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 quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Allied Property & Casualty or Western Reserve Group 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.