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

Quick Facts

• In general, United Financial Casualty Company offers significantly cheaper prices than Cse
• United Financial Casualty Company offers more affordable rates for drivers with a DUI charge on their record
• United Financial Casualty Company has less expensive premiums for drivers who have less-than-stellar credit

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

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

You've maybe even narrowed your search down to Cse or United Financial Casualty Company as your top options, but which carrier has more affordable rates for insurance?

As you can see, United Financial Casualty Company has average rates that are about 24% per month less expensive than those from Cse when looking at the national average rates for auto insurance.

But that doesn't necessarily mean United Financial Casualty Company will be the cheaper option for each driver. Car insurance companies vary their prices depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and a ton of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

So, if you want to find out which of Cse or United Financial Casualty Company is really the best for you, keep reading to see average premiums for each company broken down by many different rate factors.

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

Cse and United Financial Casualty Company only compete against each other in California, where United Financial Casualty Company offers the cheaper average prices. For California residents, United Financial Casualty Company offers auto insurance for $126 monthly on average. Cse's average rates come out to be over 30% more expensive, at $175 per month.

There's a lot more that goes into your insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use United Financial Casualty Company save more than $25 a month compared to those who use Cse.

That being said, both carriers will reduce premiums by the time drivers turn 25. For example, average prices for Cse policyholders lower nearly $200 and United Financial Casualty Company's rates drop over $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 premiums you'll ever see.

When looking at Cse and United Financial Casualty Company specifically, which carrier is best for retired drivers? United Financial Casualty Company gets the edge here, with average rates coming in at around $95 a month compared to Cse's $128.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually more affordable for married drivers than they are for those who are single? That's because policies for married couples normally cover multiple cars, which lots of companies will offer you a discount for.

When it comes to relationship status, United Financial Casualty Company is the clear winner for single policyholders, with premiums about $43 per month cheaper than Cse, on average. For married policyholders, the advantage is clear again - United Financial Casualty Company has the edge when it comes to average prices.

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

You may not know, but 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 decreases the chances of an insurance claim.

Women and men get the same monthly rates with Cse, while with United Financial Casualty Company, the difference is closer to 1% a month.

Looking at the data for each company specifically, United Financial Casualty Company offers the most affordable average premiums for both men and women. On average, women save about $43 per month and men save around $41 with United Financial Casualty Company compared to the average Cse policyholder.

Cse 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.

For most people, car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

Even so, most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, United Financial Casualty Company generally offers slightly more affordable rates of $79 compared to Cse's $81. When it comes to full coverage policies with similar limits, United Financial Casualty Company again has the edge, with policies about $85 a month less expensive than Cse, on average.

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

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and at-fault accidents lead to higher premiums, but which carrier -- Cse or United Financial Casualty Company -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cse policyholders can expect their rates to go up an average of $38 per month if they get a ticket, while United Financial Casualty Company usually raises premiums around $34 a month, on average.

That being said, United Financial Casualty Company has cheaper prices for drivers in both categories -- their rates are around 16% more affordable for drivers with clean records and 15% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Cse can expect to see about an $53 -- or around 30% -- increase in their car insurance rates. Drivers who use United Financial Casualty Company for their auto insurance will see a monthly bill about $55 (or 35%) more expensive after reporting a collision to their insurance company.

Overall, the cheaper prices come from United Financial Casualty Company, with monthly premiums averaging $158 compared to CSE Insurance Group's $176.

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 speeding ticket when it comes to your car insurance bill. For example, Cse increases average rates by over $100 per month -- that's just under a 50% increase.

If you have a DUI on your record and are looking for more affordable premiums, United Financial Casualty Company tends to be the much less expensive option with average prices of $134 per month compared to $241 from Cse.

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

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

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

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, United Financial Casualty Company will normally reward you. Improving your "good" credit score to an "excellent" one will generally save United Financial Casualty Company customers around 15%. Cse, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with United Financial Casualty Company. As you can see, United Financial Casualty Company customers with poor credit scores pay about $30 a month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, Cse doesn't have data available for credit scores, which means drivers with bad credit might find better rates with Cse over United Financial Casualty Company.

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

How much you drive can have a sizable impact on your monthly insurance cost. Typically, the more miles you drive, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, United Financial Casualty Company tends to be the more affordable option. United Financial Casualty Company's average premiums for drivers with 6,000 annual miles come in around $30 cheaper than Cse. Those who drive 12,000 miles annually can expect to pay about $54 less with United Financial Casualty Company over Cse.

Cse 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 car insurance, but the type of area you live in can have a large impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, United Financial Casualty Company typically comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, United Financial Casualty Company offers prices around $139 monthly compared to Cse's $186. People who live in suburban ZIP codes can expect to pay about $134 per month for United Financial Casualty Company and $178 for Cse. Lastly, those in rural areas tend to get the cheapest rates from both carriers, with average monthly premiums coming in at $125 and $161 for United Financial Casualty Company and Cse respectively.

Cse vs. United Financial Casualty Company Discounts

Regardless of 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 possible. That's where insurance discounts comes into play.

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.

Below, we've taken a look at all of the different discounts Cse and United Financial Casualty Company offer their customers so that you can find the one that has the most discounts and, therefore, the biggest savings.

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

There are a couple discounts both companies offer, but United Financial Casualty Company also offers anti-theft discounts, continuous insurance discounts, defensive driver discounts, and more that Cse does not.

On the flip side, Cse has a couple unique discounts of its own -- employee discounts and goverment employee discounts.

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

You've seen the role certain factors 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 Cse or United Financial Casualty Company the right company for you and your specific needs?

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

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

Cse might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Cse and United Financial Casualty Company and that it aids in making a more informed decision about your car 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 Cse and United Financial Casualty Company. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Cse vs. United Financial Casualty Company FAQs

Is Cse or United Financial Casualty Company cheaper?

Looking just at the national average rates, United Financial Casualty Company is the more affordable of the two companies, offering average rates of $133 a month compared to $175 for Cse. However, United Financial Casualty Company won't necessarily be the lowest carrier for everyone, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Cse or United Financial Casualty Company?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

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

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

How do I know if Cse or United Financial Casualty Company 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, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Cse 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.