Cig vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Cig offers less expensive rates than United Financial Casualty Company
• Cig offers more affordable premiums for policyholders who may not have much of a commute
• United Financial Casualty Company offers more affordable average prices for drivers with a DUI charge on their record

Cig vs. United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Cig or United Financial Casualty Company for your next policy, but which one has cheaper rates for auto insurance?

Looking at nationwide averages, United Financial Casualty Company is about $14 more per month than Cig.

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

Luckily, we've broken down average rates from both Cig and United Financial Casualty Company by a range of different rate factors, so read on to find out which company is the best for you.

Cig or United Financial Casualty Company: Average Car Insurance Rates by State

Cig and United Financial Casualty Company only compete against each other in one states, with United Financial Casualty Company offering less expensive prices to the average driver in all of them. California has the most noticable difference, where United Financial Casualty Company rates are cheaper than car insurance premiums at Cig.

But there's more to calculating insurance prices than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers out there on the road. That's generally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $90 less a month by choosing Cig over United Financial Casualty Company.

Even so, with both carriers, you'll see your prices drop significantly by the time you turn 25. For example, average premiums for Cig policyholders reduce more than $100 and United Financial Casualty Company's rates decrease around $200 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 lowest prices you can find.

When looking at Cig and United Financial Casualty Company specifically, which carrier is best for retired drivers? Cig gets the slight edge, with rates for drivers 65 and older $9 more affordable than the national average for United Financial Casualty Company.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are usually more expensive for those who are single than they are for married drivers? This usually boils down to married couples having more than one car on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, Cig is the clear winner for single drivers, with prices about $22 per month cheaper than United Financial Casualty Company, on average. But for married policyholders, that advantage is much less clear - Cig offers the cheapest average premiums , but the difference is less than $5.

Cig vs. United Financial Casualty Company: Average Rates by Gender

You may not know, but car insurance is typically cheaper for women than it is for men. This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim.

Women normally pay around $4 a month less than men with Cig, and about $2 with United Financial Casualty Company.

Looking at the data for each company specifically, Cig comes out on top for both men and women, with average rates 10% less for men and 11% cheaper for women.

Cig or United Financial Casualty Company: 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 insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two 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 generally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability insurance, Cig usually offers less expensive prices of $71 compared to United Financial Casualty Company's $79. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies around $20 per month cheaper than United Financial Casualty Company, on average.

Is Cig or United Financial Casualty Company Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two companies offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cig policyholders can expect their rates to go up an average of $24 a month if they get a ticket, while United Financial Casualty Company normally raises prices about $34 per month, on average.

That being said, Cig tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $15 and $25 more affordable, respectively, compared to United Financial Casualty Company.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with United Financial Casualty Company climbing by $55. Cig has a less extreme climb, but you can still expect to pay $30 more than you were prior to your first collision.

Overall, drivers who use Cig end up with the cheaper prices after an accident, with monthly premiums averaging $118 compared to United Financial Casualty Company's $158.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. For example, Cig increases average prices by just under $70 a month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable rates, United Financial Casualty Company tends to be the much less expensive option with average prices of $134 a month compared to $157 from Cig.

How does Credit Score Impact Cig and United Financial Casualty Company Rates?

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly insurance premiums. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect many drivers out there.

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

Looking at Cig and United Financial Casualty Company specifically, which carrier has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Cig. Policyholders with "excellent" credit can save 25% compared to United Financial Casualty Company, and those with "good" scores can also expect to see savings -- around $26 or 22% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower premiums than United Financial Casualty Company when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $24 per month less with Cig compared to United Financial Casualty Company, and those with "poor" scores typically save an average of around $0 per month.

Is Cig or United Financial Casualty Company Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. Generally, those who drive less will end up with cheaper prices since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Cig offers less expensive rates than United Financial Casualty Company. United Financial Casualty Company average premiums for drivers with 6,000 annual miles come in about $18 more expensive than Cig. Those who drive 12,000 miles annually can expect to pay around $10 more with United Financial Casualty Company over Cig.

Cig vs. United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a pretty big role in how much you pay for car insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Cig boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable rates from both companies, but Cig comes out on top with average premiums about $106 monthly. Cig also has more affordable average prices for policyholders in urban and suburban ZIP codes -- a 8% and 8% a month respective difference when compared to United Financial Casualty Company drivers in similar areas.

Cig vs. United Financial Casualty Company Discounts

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

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.

In the section below, we've broken down all of the different discounts offered by both Cig and United Financial Casualty Company so that you can find the company that has the most discounts and, therefore, the biggest savings.

Cig knocks United Financial Casualty Company out of the park when it comes to the sheer number of discounts available, offering seven more discounts than United Financial Casualty Company.

Both carriers offer many of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but Cig also offers ABS discounts, advance quote discounts, company car discounts, and more that United Financial Casualty Company does not.

On the flip side, United Financial Casualty Company has a couple unique discounts of its own -- continuous insurance discounts, e-signature discounts, EFT discounts, and more.

Final Thoughts: Is Cig or United Financial Casualty Company Best for You?

So, you've seen how different factors can affect your auto 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 Cig or United Financial Casualty Company the right carrier for you and your specific driver profile?

Cig might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You want basic insurance coverage at the state minimum limits.
• You are purchasing your auto insurance with a spouse.

United Financial Casualty Company might be best for you if...

• You have a DUI charge on your record.

We hope this guide helps you get a good idea of the differences between Cig and United Financial Casualty Company. 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Cig and United Financial Casualty Company. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Cig vs. United Financial Casualty Company FAQs

Is Cig or United Financial Casualty Company cheaper?

Looking just at the national average rates, Cig is the cheaper of the two companies, offering average rates of $119 per month compared to $133 for United Financial Casualty Company. However, Cig won't necessarily be the lowest company for each driver, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Cig or United Financial Casualty Company?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, United Financial Casualty Company offers less expensive prices for drivers with a recent DUI, while Cig is cheaper for drivers with excellent credit.

Why do Cig and United Financial Casualty Company offer me different rates?

Insurance carriers take a look at quite a few different factors when calculating the premiums they charge policyholders. Things like age, where your home is, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Cig and United Financial Casualty Company calculate rates using different variables, 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 companies.

How do I know if Cig or United Financial Casualty Company is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers 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 ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Cig or United Financial Casualty Company 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.