American Select vs. Celina Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, American Select offers significantly less expensive prices than Celina Mutual
• American Select has cheaper premiums for residents of suburban areas
• American Select tends to be a much more affordable option for policyholders who have a short commute

American Select or Celina Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might be considering American Select or Celina Mutual as potential options, but between the two, which one has less expensive rates for auto insurance?

Looking at the national average rates for both carriers, Celina Mutual has average rates that are around 40% a month more expensive than those from American Select.

That being said, American Select may not be the most affordable or best option for every single driver out there. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, where you call home, 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.

Wanting to know if American Select or Celina Mutual 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.

American Select vs. Celina Mutual: Average Car Insurance Rates by State

American Select and Celina Mutual only compete against each other in Tennessee, where American Select offers the cheaper average premiums. American Select drivers tend to pay about $139 per month less on average compared to drivers who use Celina Mutual for their auto insurance.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. It's because 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use American Select save almost 55% a month compared to those who use Celina Mutual.

However, both carriers will lower prices by the time you turn 25. For example, average rates for American Select policyholders drop over 45% and Celina Mutual's prices decrease more than 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums out there.

When looking at American Select and Celina Mutual specifically, which company is best for retired drivers? American Select gets the edge, with prices for drivers 65 and older $32 more affordable than the national average for Celina Mutual.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are usually cheaper for married policyholders than they are for single policyholders? That's because policies for married drivers normally cover several vehicles, which quite a few companies will give you a discount for.

For those who are single, the difference in average rates between these two carriers is significant, with American Select prices coming in at about half of Celina Mutual's. The advantage for married couples with American Select is also obvious, where drivers save around $45 per month.

American Select or Celina Mutual: Average Rates by Gender

Men generally pay more for insurance than women. This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

Normally, men see premiums about $1 a month higher with American Select, and around $27 more with Celina Mutual.

When it comes to the lowest prices for each gender, American Select offers the most affordable average premiums for both men and women. On average, male drivers save about $114 per month and women save about $88 with American Select compared to the average Celina Mutual policyholder.

American Select vs. Celina Mutual: 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 multiple different coverages that account for many 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 (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum limits for liability insurance, American Select has the significant edge, with average monthly rates coming in at $90. If you want a full coverage policy with the same state minimum limits, American Select again has the edge, with policies averaging around $251 a month to Celina Mutual's $403.

Is American Select or Celina Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car 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 accidents will most likely raise your prices, but is American Select or Celina Mutual less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American Select for their auto insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. Celina Mutual policyholders can expect a less drastic increase of around 17%.

But American Select is generally the cheaper option for drivers both with clean records and with a ticket, offering rates that are 24% and 19% more affordable, respectively, compared to Celina Mutual Insurance.

Which Company is Best for Drivers After an Accident?

American Select drivers who get in a collision can expect to see their premiums rise by over $40, while those who have insurance through Celina Mutual will see about a $150 increase.

At the end of the day, American Select offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $158 compared to Celina Mutual Insurance's $285.

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 -- typically a lot more than an accident or speeding ticket. For example, Celina Mutual increases average rates by more than $300 per month -- that's more than a 65% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, American Select tends to be less expensive for the average driver, with monthly premiums coming in at around $258 to Celina Mutual's $462.

How does Credit Score Impact American Select and Celina Mutual Rates?

Did you know many insurance companies take your credit score into account when determining rates? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it might come into play for many 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.

So, which carrier offers the cheapest prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, American Select will usually reward you the most. For drivers with "excellent" credit scores, American Select comes in over 36.31 more affordable. Drivers with "good" credit scores normally save about 41% with American Select compared to average rates from Celina Mutual.

Which Company is Best for Drivers with Bad Credit?

American Select typically offers lower prices than Celina Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 41% a month less with American Select compared to Celina Mutual, and those with "poor" scores typically save an average of about 33% monthly.

Is American Select or Celina Mutual 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 considerable impact on your monthly insurance payment? Generally, those who drive fewer miles 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 American Select or Celina Mutual report increasing rates for drivers with higher annual mileage figures. That being said, American Select comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $170 per month for both.

American Select or Celina Mutual: 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 sizable impact as well. Usually, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads where they live.

American Select boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around $98 with American Select compared to Celina Mutual. People who live in suburban areas pay about $33 less with American Select compared to Celina Mutual. For drivers in urban ZIP codes, American Select Insurance Company's average rates are around $172 less than Celina Mutual Insurance.

American Select vs. Celina Mutual Discounts

No matter why you might be in the market for a new car 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.

But where do you even start? With what seems like a million different discounts out there, it may be challenging 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 American Select and Celina Mutual offer their customers so that you can 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, American Select comes out ahead with 20 discounts to Celina Mutual's 17.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and passive restraint discounts. American Select also offers discounts for ABS, account relationship, agency transfer, and more.

On the other hand, Celina Mutual has a few proprietary discounts of their own for things like claim free discounts, continuous insurance discounts, EFT discounts, and more.

Final Thoughts: Is American Select or Celina Mutual Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is American Select or Celina Mutual the best fit for you?

American Select might be best for you if....

• You have an at-fault accident on your record.
• You want the most robust protection via a "full coverage" policy.
• You don't spend much time in your car.

Celina Mutual might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare American Select and Celina Mutual. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just American Select and Celina Mutual. 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 insurance carriers in your area, all for free.

American Select vs. Celina Mutual FAQs

Is American Select or Celina Mutual cheaper?

American Select is the more affordable of the two companies when looking at national average prices, with policies averaging $170 a month with American Select and $272 for Celina Mutual. Even so, that doesn't mean American Select will be the lowest carrier for everyone, since there are a range of different variables that are considered when it comes to your auto insurance bill.

Who is better, American Select or Celina Mutual?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all boils down to your unique car insurance profile.

Why do American Select and Celina Mutual offer me different rates?

Insurance carriers use several different factors when calculating the premiums they charge. Things such as age, your driving record, where you call home, gender, and sometimes even things like your credit score can all be used. Both American Select and Celina Mutual calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if American Select or Celina Mutual is right for me?

The only way to find the car insurance company 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 does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't American Select or Celina Mutual 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.