Cig vs. Western Reserve Group: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Cig offers cheaper rates than Western Reserve Group
• Cig has less expensive prices for policyholders who drive fewer than 12,000 miles yearly
• Cig offers more affordable average premiums for policyholders who live in rural neighborhoods

Cig or Western Reserve Group: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Cig or Western Reserve Group for your next policy, but which company has less expensive rates for insurance?

Looking at the national average rates for both carriers, Western Reserve Group is around $18 more a month than Cig.

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

Luckily, we've broken down average rates from both Cig and Western Reserve Group by multiple different rate factors, so read on to find out which company is the best for you.

Cig vs. Western Reserve Group: Average Car Insurance Rates by State

Cig and Western Reserve Group only compete against each other in one states, with Western Reserve Group offering cheaper prices to the average driver in all of them. Ohio has the most noticable difference, where Western Reserve Group premiums are $18 more affordable than insurance prices at Cig.

That being said, there are plenty of other factors that go into your auto 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 -- normally pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Cig save almost 10% per month compared to those who use Western Reserve Group.

Even so, with both carriers, you'll see your rates reduce significantly by the time drivers turn 25. Western Reserve Group offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Cig still has the lowest premiums at $119 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest auto insurance prices you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

So, which carrier offers the best rates to retired drivers? Cig gets the edge, with prices for drivers 65 and older $21 cheaper than the national average for Western Reserve Group.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are generally less expensive for married policyholders than they are for those who are single? That's typically because married couples tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average premiums between these two companies is significant, with Cig prices coming in at about 10% less than Western Reserve Group's. The advantage for married drivers with Cig is also obvious, where drivers save over 15% a month.

Cig or Western Reserve Group: Average Rates by Gender

Women usually to pay less for car insurance than men. 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.

With Cig, women normally pay around 3% per month less than men, but surprisingly, with Western Reserve Group, women generally pay about 1% more a month than men.

Looking at overall affordability, Cig comes out as the most affordable option for both genders, with average premiums 11% less for men and 15% cheaper for women.

Cig 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.

Insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, Cig has the edge, with average monthly rates coming in at $71. If you want a full coverage policy with the same state minimum limits, Cig again has the edge, with policies averaging around $166 per month to Western Reserve Group's $180.

Is Cig or Western Reserve Group Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices 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 speeding tickets on your record, but which of these two companies offers the cheapest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

That being said, Cig tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering prices that are $0 and $10 more affordable, respectively, compared to Western Reserve Group.

Which Company is Best for Drivers After an Accident?

Cig drivers who get in an accident can expect to see their premiums rise by over 25%, while those who have insurance through Western Reserve Group will see about a 25% increase.

At the end of the day, Cig offers the lowest rates for drivers with an at-fault collision on their records, with average premiums coming in at $118 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 car insurance bill -- generally a lot more than a collision or speeding ticket. On average, Western Reserve Group will climb your rates around 60% after a DUI, while Cig's average prices increase by nearly 45%.

But if you end up with a DUI charge and are looking for more affordable premiums, Cig tends to be cheaper for the average driver, with monthly premiums coming in at about $157 to Western Reserve Group's $218.

How does Credit Score Impact Cig and Western Reserve Group Rates?

Did you know many auto insurance carriers 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 insurance factor) but it does affect a lot of policyholders out there.

The reasoning car insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

Looking specifically at Cig and Western Reserve Group, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Cig will typically reward you the most. For drivers with "excellent" credit scores, Cig comes in just under 24.27 less expensive. Drivers with "good" credit scores usually save around 20% with Cig compared to average prices from Western Reserve Group.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower premiums than Western Reserve Group when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 15% a month less with Cig compared to Western Reserve Group, and those with "poor" scores typically save an average of around 9% per month.

Is Cig or Western Reserve Group Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on how much insurance carriers will charge for coverage. That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Western Reserve Group charges. However, there's a small difference in monthly prices for Cig, with policyholders who drive 6,000 miles every year paying about $12 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Cig is the cheaper company.

Cig or Western Reserve Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a large impact on your monthly auto insurance payment. Usually, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, Cig normally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around $19 with Cig compared to Western Reserve Group. People who live in suburban areas pay about $16 less with Cig compared to Western Reserve Group. For drivers in urban ZIP codes, CIG Insurance's average prices are around $19 less than Western Reserve Group.

Cig vs. Western Reserve Group Discounts

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

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Cig and Western Reserve Group so that you can see which one can save you the most money each month.

Cig blows Western Reserve Group away when it comes to the sheer amount of discounts available, offering 25 different discounts to Western Reserve Group's 11.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, distant student discounts, and discounts for insuring multiple cars with the same company. Cig also offers discounts for ABS, employee discount, good driving, and more.

On the other hand, Western Reserve Group has a proprietary discount of their own -- a agency transfer discounts.

Final Thoughts: Is Cig or Western Reserve Group Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've shown you all the discounts each company offers, too. But, at the end of the day, which carrier is the best carrier for you, your vehicle, and your wallet?

Cig might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• Your credit score is high.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

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 good idea of the differences between Cig and Western Reserve Group and that you can now make a more informed decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of carriers, not just Cig and Western Reserve Group. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Cig vs. Western Reserve Group FAQs

Is Cig or Western Reserve Group cheaper?

Cig is the less expensive of the two carriers when looking at national average rates, with policies averaging $119 per month with Cig and $137 for Western Reserve Group. But that doesn't mean Cig will be the lowest company for every policyholder, since there are lots of different variables that are considered when it comes to your auto insurance bill.

Who is better, Cig or Western Reserve Group?

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

Why do Cig and Western Reserve Group offer me different rates?

Insurance companies use many different factors when calculating the prices they charge. Things such as where you park your car, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Cig and Western Reserve Group calculate rates using different variables, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Cig or Western Reserve Group is right for me?

The only way to find the car 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 makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Cig 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.