General Casualty vs. Trumbull: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, General Casualty offers significantly less expensive premiums than Trumbull
• General Casualty tends to be a much cheaper option for people who are single and purchasing auto insurance by yourself
• Trumbull offers more discounts than General Casualty

General Casualty vs. Trumbull: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You might be considering General Casualty or Trumbull for your next policy, but which company will save you the most?

Looking at the national average rates for both companies, General Casualty is quite a bit cheaper than Trumbull, with prices averaging $139 per month compared to $253 with Trumbull.

But that doesn't necessarily mean General Casualty will be the more affordable option for every single driver. Insurance carriers use all sorts of complex algorithms to calculate rates, so depending on how clean your driving record is or where you live (among a wide array of other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of General Casualty or Trumbull is really the best for you, keep reading to see average prices for each company broken down by a bunch of different rate factors.

General Casualty or Trumbull: Average Car Insurance Rates by State

General Casualty and Trumbull only compete against each other in Arizona, where General Casualty offers the cheaper average premiums. For Arizona residents, General Casualty offers car insurance for $152 monthly on average. Trumbull's average rates come out to be over 60% more expensive, at $253 per month.

There are plenty of other factors that go into your insurance bill than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use General Casualty save nearly $350 a month compared to those who use Trumbull.

That being said, both companies will offer you dramatically lower prices by the time you turn 25. Trumbull offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, General Casualty still has the lowest premiums at $114 a month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable insurance prices you can find. After all, they've likely been driving for quite some time, which normally lowers their chances of accidents and other infractions that can increase rates.

But who has the best prices for retired drivers between General Casualty and Trumbull? General Casualty gets the edge here, with average rates coming in at about $124 monthly compared to Trumbull's $162.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for single policyholders than they are for married drivers. That's because policies for married couples usually cover several cars, which a lot of carriers will offer you a discount for.

When it comes to relationship status, General Casualty is the clear winner for single drivers, with prices around $143 per month less expensive than Trumbull, on average. The advantage is also clear for married policyholders - General Casualty offers the lowest average premiums.

General Casualty vs. Trumbull: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? This is because men are more likely to get tickets and get into accidents, which increases the chances of an insurance claim.

Typically, men see rates almost $15 a month higher with General Casualty, and about $24 more with Trumbull.

Looking at overall affordability, General Casualty comes out on top for both men and women. On average, male drivers save about $119 per month and women save around $109 with General Casualty compared to the average Trumbull policyholder.

General Casualty or Trumbull: 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 a complicated subject for most people. There are a variety of different coverages that account for several 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.

However, most policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, General Casualty typically offers significantly more affordable prices of $82 compared to Trumbull's $126. When it comes to full coverage policies with similar limits, General Casualty again has the edge, with policies about $200 a month cheaper than Trumbull, on average.

Is General Casualty or Trumbull Better for Drivers with Spotty Records?

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

Tickets and at-fault collisions will most likely raise your premiums, but is General Casualty or Trumbull less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

General Casualty policyholders can expect their rates to go up an average of $43 per month if they get a ticket, while Trumbull usually raises prices around $55 a month, on average.

That being said, General Casualty is generally the cheaper option for drivers both with a speeding ticket and with a clean record -- their rates are around 53% more affordable for drivers with clean records and 46% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Trumbull increasing by just under $100. General Casualty has a less extreme climb, but you can still expect to pay over $55 more than you were prior to your first collision.

Overall, drivers who use General Casualty end up with the cheaper prices after an accident, with monthly prices averaging $146 compared to Trumbull Insurance Company's $290.

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. On average, General Casualty will climb your rates about 52% after a DUI, while Trumbull's average premiums increase by over 30%.

If you have a DUI on your record and are looking for more affordable prices, General Casualty tends to be the much less expensive option with average rates of $186 a month compared to $284 from Trumbull.

How does Credit Score Impact General Casualty and Trumbull Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for several drivers.

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

So, which carrier offers the cheapest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with General Casualty. Policyholders with "excellent" credit can save just under 45% compared to Trumbull, and those with "good" scores can also expect to see savings -- around $92 or 44% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

General Casualty typically offers lower prices than Trumbull when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $119 per month less with General Casualty compared to Trumbull, and those with "poor" scores typically save an average of around $166 per month.

Is General Casualty or Trumbull 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 drive, the less likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much General Casualty charges. However, there's a small difference in monthly premiums for Trumbull, with policyholders who drive the least paying about $20 less every month compared to those who drive 12,000 miles yearly. Still, General Casualty is the less expensive option for drivers in both categories.

General Casualty vs. Trumbull: 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. Normally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads in those areas.

General Casualty tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, General Casualty offers prices around $151 monthly compared to Trumbull's $326. People who live in suburban ZIP codes can expect to pay about $134 a month for General Casualty and $232 for Trumbull. Lastly, those in rural areas tend to get the most affordable premiums from both companies, with average monthly prices coming in at $131 and $202 for General Casualty and Trumbull respectively.

General Casualty vs. Trumbull Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the section below, we've compared all of the different discounts offered by General Casualty and Trumbull so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Trumbull has the advantage when it comes to total number of discounts. General Casualty offers a grand total of 12 discounts, while Trumbull has 17.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, employee discounts, and new vehicle discounts. Trumbull also offers companion auto discounts, driver training discounts, homeowner discounts, and more that General Casualty does not.

On the flip side, General Casualty has a couple unique discounts of its own -- discounts for being a good driver, occupation discounts, and paid in full discounts.

Final Thoughts: Is General Casualty or Trumbull 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 at the end of the day, which insurance carrier is the right carrier for you, your vehicle, and your wallet?

General Casualty might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for more protection with "full coverage" insurance.
• You drive fewer than 6,000 miles annually.

Trumbull might be best for you if...

• You're looking for discounts -- Trumbull has the most.

We hope this guide has ben a valuable resource as you compare General Casualty and Trumbull. 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 best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just General Casualty and Trumbull. Luckily, sites like Compare.com do all the hard work for you. 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.

General Casualty vs. Trumbull FAQs

Is General Casualty or Trumbull cheaper?

Looking just at the national average rates, General Casualty is the cheaper of the two companies, offering average rates of $139 per month compared to $253 for Trumbull. But General Casualty won't necessarily be the cheapest company for each policyholder, since there are a range of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, General Casualty or Trumbull?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for every driver -- it all comes down to what your unique auto insurance profile looks like.

Why do General Casualty and Trumbull offer me different rates?

Insurance carriers take a look at many different variables when determining the prices they charge drivers. Things like your driving record, age, where your home is, gender, and sometimes even things like your credit score can all be used. Both General Casualty and Trumbull calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if General Casualty or Trumbull 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 price. And who knows, the best company for you might not be General Casualty or Trumbull 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.