Imt vs. Secura: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Imt offers significantly more affordable rates than Secura
• Imt tends to be a much less expensive option for policyholders who have a short commute
• Secura may help you save more money -- they offer more discounts than IMT Insurance

Imt or Secura: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Imt or Secura as your top options, but which carrier has cheaper prices for car insurance?

Looking at nationwide averages, Imt is quite a bit cheaper than Secura, with premiums averaging $109 a month compared to $146 with Secura.

That being said, Imt may not be the most affordable or best option for every driver out there. Insurance carriers vary their prices depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and tons of other factors, so rates will change quite a bit from person to person.

So, if you want to find out which of Imt or Secura is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

Imt vs. Secura: Average Car Insurance Rates by State

Imt and Secura only compete against each other in one states, with Secura offering more affordable rates to the average driver in all of them. Wisconsin has the most noticable difference, where Secura prices are $8 cheaper than auto insurance rates at Imt.

That being said, there's a lot more that goes into your car insurance payment than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group on the road. Generally, that's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 35% less per month by choosing Imt over Secura.

But with both companies, you'll see your premiums decrease significantly by the time you turn 25. For example, average prices for Imt policyholders drop around $95 and Secura's rates reduce almost $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever find.

So, which company offers the best premiums to retired drivers? Imt gets the edge, with rates for drivers 65 and older $29 less expensive than the national average for Secura.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average prices between these two companies is significant, with Imt premiums coming in at a quarter less than Secura's. The advantage for married policyholders with Imt is also obvious, where drivers save about $25 a month.

Imt or Secura: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they have a decreased chance of filing a claim with insurance. So, insurance carriers will often charge women less than men.

With Imt, men normally pay more than 10% more per month than women., and around 2% more with Secura.

Looking at the data for each carrier specifically, Imt comes out on top for both men and women. On average, women save about $41 a month and men save about $32 with Imt compared to the average Secura policyholder.

Imt vs. Secura: 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 so many different terms and limits that it can make it pretty confusing to find the right policy for you.

However, most policies end up falling into two different types of coverage -- 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, in addition to liability).

Looking specifically at state minimum liability insurance, Imt has the edge, with average monthly rates coming in at $58. If you want a full coverage policy with the same state minimum limits, Imt again has the edge, with policies averaging around $160 per month to Secura's $222.

Is Imt or Secura Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that collisions and speeding tickets lead to higher prices, but which company -- Imt or Secura -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Imt for their car insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. Secura policyholders can expect a bit more drastic of an increase of around 29%.

But Imt tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering prices that are 13% and 27% cheaper, respectively, compared to SECURA Insurance.

Which Company is Best for Drivers After an Accident?

Imt drivers who get in an accident can expect to see their rates increase by just under $60, while those who have insurance through Secura will see about a $40 increase.

At the end of the day, drivers who use Secura end up with the cheaper prices after an accident, with average premiums coming in at $129 compared to IMT Insurance's $134.

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 auto insurance bill -- typically a lot more than a collision or speeding ticket. For example, Secura increases average rates by more than $150 a month -- that's nearly a 65% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Imt tends to be more affordable for the average driver, with monthly premiums coming in at around $135 to Secura's $244.

How does Credit Score Impact Imt and Secura Rates?

Did you know many car insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it might come into play for many policyholders.

Insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive prices.

So, which carrier offers the cheapest rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Imt will normally reward you the most. For drivers with "excellent" credit scores, Imt comes in just under 29.51 cheaper. Drivers with "good" credit scores generally save about 23% with Imt compared to average premiums from Secura.

Which Company is Best for Drivers with Bad Credit?

Imt typically offers lower rates than Secura when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 27% per month less with Imt compared to Secura, and those with "poor" scores normally save an average of about 22% a month.

Is Imt or Secura 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 companies will charge for coverage. That's because the fewer miles you put on your vehicle each year, the less 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 Imt charges. However, there's a small difference in monthly prices for Secura, with policyholders who drive 6,000 miles every year paying around $5 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Imt is the less expensive company.

Imt or Secura: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a pretty big impact on your monthly insurance bill. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, Imt generally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $49 with Imt compared to Secura. People who live in suburban areas pay around $37 less with Imt compared to Secura. For policyholders in urban ZIP codes, IMT Insurance's average premiums are about $25 less than SECURA Insurance.

Imt vs. Secura Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Imt and Secura so that you can find the one that has the most discounts and, therefore, the largest savings.

Secura blows Imt away when it comes to the sheer amount of discounts available, offering 19 different discounts to Imt's nine.

There are a couple discounts both companies offer, but Secura also offers discounts for advance quote, anti-theft, good driving, and more.

On the other hand, Imt has a few proprietary discounts of their own for things like commercial product discounts, driver training discounts, and minor child discounts.

Final Thoughts: Is Imt or Secura Best for You?

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each company offers, too. But, when it comes down to it, which carrier is the right fit for you?

Imt might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• Your home is in a busy urban area.
• You've started working from home and don't have much of a commute.

Secura might be best for you if...

• You have an at-fault collision on your record.
• You care about discounts (Secura offers the most).

Hopefully, this guide helps you get a good idea of the differences between Imt and Secura and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Imt and Secura. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Imt vs. Secura FAQs

Is Imt or Secura cheaper?

Imt is the more affordable of the two carriers when looking at national average rates, with policies averaging $109 a month with Imt and $146 for Secura. That being said, that doesn't mean Imt will be the lowest company for every driver, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Imt or Secura?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Imt is cheaper for drivers who have less-than-stellar credit scores, while Secura offers more affordable prices for drivers with an at-fault accident on their record.

Why do Imt and Secura offer me different rates?

Car insurance companies use a lot of different variables when calculating the premiums they charge. Things such as where you live, gender, where your home is, age, and sometimes even things like your credit score can all come into play. Both Imt and Secura calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if Imt or Secura is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several companies 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 quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't Imt or Secura 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.