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

Quick Facts

• Based on national averages for insurance, Countryway offers significantly less expensive prices than United Financial Casualty Company
• Countryway has cheaper premiums for drivers who have less-than-stellar credit
• United Financial Casualty Company offers more discounts than Countryway Insurance Company

Countryway vs. United Financial Casualty Company: 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 sizable discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Countryway or United Financial Casualty Company as your top options, but between the two, which one will offer you less expensive prices?

Looking at the national average rates for both companies, Countryway is quite a bit cheaper than United Financial Casualty Company, with premiums averaging $84 per month compared to $133 with United Financial Casualty Company.

But that doesn't necessarily mean Countryway will be the more affordable option for every single driver. Auto insurance carriers vary their rates depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and tons of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

Wanting to know if Countryway or United Financial Casualty Company is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

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That being said, there are plenty of other factors that go into your auto insurance bill than just the state you live in. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $150 less a month by choosing Countryway over United Financial Casualty Company.

However, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Countryway policyholders drop over 50% and United Financial Casualty Company's premiums decrease more than 65% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest 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 rates for car insurance.

So, which carrier offers the best prices to retired drivers? Countryway gets the edge, with rates for drivers 65 and older $30 cheaper than the national average for United Financial Casualty Company.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance premiums than married drivers. This usually boils down to married couples having more than one car on their policy -- something lots of auto insurance carriers will reward with discounts.

When it comes to relationship status, Countryway is the clear winner for those who are single, with rates about $64 per month more affordable than United Financial Casualty Company, on average. The advantage for married policyholders with Countryway is also obvious, where drivers save nearly $30 a month.

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

Did you know men typically pay more for car insurance than women? This is because men are statistically more likely than women to get into accidents and get speeding tickets, which leads to increased risk for insurers and, therefore, higher premiums.

Generally, women see prices around 6% per month less with Countryway, and about 1% less with United Financial Casualty Company when compared to their male counterparts.

When it comes to the lowest rates for each gender, Countryway comes out on top for both men and women, with average premiums 35% less for men and 38% cheaper for women.

Countryway 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 auto insurance can be pretty complicated. There are multiple different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

Even so, most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability insurance, Countryway normally offers significantly less expensive prices of $45 compared to United Financial Casualty Company's $79. When it comes to full coverage policies with similar limits, Countryway again has the edge, with policies around $65 a month cheaper than United Financial Casualty Company, on average.

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

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

It's no secret secret that at-fault accidents and tickets lead to higher rates, but which company -- Countryway or United Financial Casualty Company -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Countryway policyholders can expect their premiums to go up an average of $19 per month if they get a ticket, while United Financial Casualty Company generally raises rates about $34 a month, on average.

However, Countryway tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering prices that are $37 and $52 less expensive, respectively, compared to United Financial Casualty Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Countryway can expect to see around an $29 -- or about 31% -- increase in their insurance rates. Drivers who use United Financial Casualty Company for their car insurance will see a monthly bill around $55 (or 35%) more expensive after reporting an accident to their auto insurance carrier.

Overall, drivers who use Countryway end up with the cheaper prices after an accident, with monthly prices averaging $95 compared to United Financial Casualty Company's $158.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. For example, United Financial Casualty Company increases average premiums by over $30 per month -- that's just under a 25% increase.

If you have a DUI on your record and are looking for more affordable prices, Countryway tends to be the much cheaper option with average premiums of $91 per month compared to $134 from United Financial Casualty Company.

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

Did you know that many car insurance carriers take your credit score into account when calculating rates? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for several drivers.

The reasoning auto insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable premiums.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Countryway 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 your monthly rates. That's because the fewer miles you put on your car, the less likely you are to get into an accident and cause an insurance claim.

Countryway tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Countryway's average prices for drivers with 6,000 annual miles come in about 37% more affordable than United Financial Casualty Company. Those who drive 12,000 miles every year can expect to pay around 36% less with Countryway over United Financial Casualty Company.

Countryway vs. United Financial Casualty Company: 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 large impact as well. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Countryway boasts the cheapest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable prices from both companies, but Countryway comes out on top with average rates about $77 monthly. Countryway also has less expensive average prices for drivers in urban and suburban ZIP codes -- a 36% and 35% a month respective difference when compared to United Financial Casualty Company policyholders in similar areas.

Countryway vs. United Financial Casualty Company Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've compared all of the different discounts offered by Countryway and United Financial Casualty Company so that you can find the company that has the most discounts and, therefore, the biggest savings.

United Financial Casualty Company blows Countryway away when it comes to the sheer amount of discounts available, offering 18 different discounts to Countryway's six.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and paid in full discounts. United Financial Casualty Company also offers anti-theft discounts, continuous insurance discounts, e-signature discounts, and more that Countryway does not.

On the flip side, Countryway has a couple unique discounts of its own -- employee discounts and umbrella policy discounts.

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

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is Countryway or United Financial Casualty Company the right carrier for you and your specific driver profile?

Countryway might be best for you if....

• You've received a ticket for speeding recently and don't want to see your rates rise.
• You're looking for more protection with "full coverage" car insurance.
• You have a short drive to work everyday.

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

• You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between Countryway and United Financial Casualty Company and that you can now make a more informed 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 multiple companies, not just Countryway and United Financial Casualty Company. 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 car insurance carriers in your area, all for free.

Countryway vs. United Financial Casualty Company FAQs

Is Countryway or United Financial Casualty Company cheaper?

Looking just at the national average premiums, Countryway is the cheaper of the two companies, offering average rates of $84 per month compared to $133 for United Financial Casualty Company. That being said, Countryway won't necessarily be the lowest carrier for everyone, since there are lots of different factors that come into play when it comes to your insurance payment.

Who is better, Countryway or United Financial Casualty Company?

Sadly, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

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

Insurance carriers take a look at quite a few different variables when determining the rates they charge drivers. Factors such as your driving record, age, where you call home, gender, and sometimes even things like your credit score can all come into play. Both Countryway and United Financial Casualty Company calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the auto insurance company 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 area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Countryway 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.