Safe Auto vs. Trumbull: Which Company is the Best Fit for You?

Quick Facts

• In general, Safe Auto offers cheaper rates than Trumbull
• Safe Auto offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Trumbull may help you save more money -- they offer more discounts than Safe Auto

Safe Auto or Trumbull: 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 considerable savings, but exactly how much money can you save by switching?

You might be considering Safe Auto or Trumbull as potential options, but which company will save you the most?

Looking at nationwide averages, Safe Auto has average rates that are around 12% a month more affordable than those from Trumbull.

But Safe Auto may not be the most affordable or best option for every single driver out there. Insurance carriers vary their rates depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and all sorts of other factors, so premiums will vary quite a bit from person to person.

Luckily, we've broken down average prices from both Safe Auto and Trumbull by multiple different rate factors, so read on to find out which carrier is the best for you.

Safe Auto vs. Trumbull: Average Car Insurance Rates by State

Safe Auto and Trumbull only compete against each other in Arizona, where Safe Auto offers the cheaper average rates. Safe Auto drivers tend to pay about $81 per month less on average compared to drivers who use Trumbull for their car insurance.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance companies determine your premiums. Continue reading to learn more about how other variables will affect your rates.

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. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Safe Auto for their insurance pay over 25% less than those who use Trumbull. It's worth noting that Safe Auto offers car insurance in 13 different states compared to Trumbull's one, which can skew the average prices a bit, but the difference here is still considerable.

However, both carriers will offer you dramatically lower rates once you turn 25. Trumbull offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Safe Auto still has the cheapest prices at $211 monthly.

Which is the Best Company for Retired Drivers?

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

When looking at Safe Auto and Trumbull specifically, which company is best for retired drivers? Trumbull gets the slight edge here, with average premiums coming in at about $162 a month compared to Safe Auto's $179.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be less expensive for married couples than they are for those who are single. This usually boils down to married drivers having more than one vehicle on their policy -- something lots of car insurance companies will reward with discounts.

For single drivers, the difference in average rates between these two carriers is significant, with Safe Auto premiums coming in at around 15% less than Trumbull's. But for married policyholders, that advantage is much less clear - Safe Auto has the edge when it comes to average rates , but the difference is only $10.

Safe Auto or Trumbull: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll typically end up paying more for auto insurance than women.

On average, men see prices about 7% a month higher with Safe Auto, and around 9% more with Trumbull.

Looking at the data for each carrier specifically, Safe Auto comes out on top for both men and women, with average premiums $34 less for men and $27 cheaper for women.

Safe Auto vs. 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 pretty complicated. There are several different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, Safe Auto has the slight edge, with average monthly rates coming in at $126. If you want a full coverage policy with the same state minimum limits, Safe Auto again has the edge, with policies averaging about $320 per month to Trumbull's $381.

Is Safe Auto or Trumbull Better for Drivers with Spotty Records?

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

Accidents and speeding tickets will most likely raise your prices, but is Safe Auto or Trumbull cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Safe Auto for their auto insurance can usually expect their monthly bill to go up around 18% after getting a speeding ticket. Trumbull policyholders can expect a bit more drastic of an increase of about 22%.

Even so, Safe Auto tends to offer the best prices for both drivers who have clean records and those with a recent ticket -- their rates are around 6% more affordable for drivers with clean records and 11% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Safe Auto can expect to see around an $66 -- or about 27% -- rise in their insurance rates. Drivers who use Trumbull for their auto insurance will see a monthly bill around $98 (or 34%) more expensive after reporting a collision to their car insurance company.

At the end of the day, drivers who use Safe Auto end up with the cheaper prices after an accident, with average prices coming in at $246 compared to Trumbull Insurance Company's $290.

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 speeding ticket or even an accident. For example, Trumbull increases average premiums by more than $90 a month -- that's more than a 30% increase.

Safe Auto has the overall cheapest prices for drivers with a DUI on their records at $245 per month, but it's worth noting that Safe Auto's average rates come from 13 states compared to just one for Trumbull, so the data may be skewed slightly.

How does Credit Score Impact Safe Auto and Trumbull Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly insurance rates. This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it does affect several drivers out there.

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

So, which carrier offers the most affordable rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Trumbull will normally reward you the most. For policyholders with "excellent" credit scores, Trumbull comes in NaN more affordable. Drivers with "good" credit scores generally save about 5% with Trumbull compared to average premiums from Safe Auto.

Which Company is Best for Drivers with Bad Credit?

Safe Auto typically offers lower prices than Trumbull when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 11% per month less with Safe Auto compared to Trumbull, and those with "poor" scores usually save an average of about 30% a month.

Is Safe Auto or Trumbull Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly insurance bill. Normally, the more milage you put on your car each year, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Safe Auto charges. However, there's a small difference in monthly premiums for Trumbull, with drivers who put 6,000 miles on their vehicle annually paying around $20 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Safe Auto is the less expensive company.

Safe Auto or Trumbull: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a large role in how much you pay for insurance. Typically, 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.

Safe Auto tends to offer the lowest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Safe Auto's average prices are about $55 less than Trumbull Insurance Company. People who live in suburban areas pay around $32 less with Safe Auto compared to Trumbull. Those in rural areas can expect to save about $5 with Safe Auto compared to Trumbull.

Safe Auto vs. Trumbull Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you qualify for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Safe Auto and Trumbull so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Trumbull comes out ahead with 17 discounts to Safe Auto's 14.

There are a couple discounts both carriers offer, but Trumbull also offers discounts for advance quote, companion auto, distant student, and more.

On the other hand, Safe Auto has a few proprietary discounts of their own for things like agency transfer discounts, claim free discounts, military discounts, and more.

Final Thoughts: Is Safe Auto or Trumbull Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each company offers, too. But, at the end of the day, is Safe Auto or Trumbull the best one for you and your specific profile and needs?

Safe Auto might be best for you if....

• You've received a ticket for speeding recently and don't want to see your premiums rise.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing insurance for a teenager.

Trumbull might be best for you if...

• You already have a great credit score.
• You want to save extra money with discounts.
• You're of retirement age and want to take advantage of lower prices.

Hopefully, this guide helps you get a better idea of the difference between Safe Auto and Trumbull. We also hope we've given you the information you need to make the best decision about your auto 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 a handful of companies, not just Safe Auto and Trumbull. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Safe Auto vs. Trumbull FAQs

Is Safe Auto or Trumbull cheaper?

Safe Auto is the cheaper of the two companies when looking at national average rates, with policies averaging $223 a month with Safe Auto and $253 for Trumbull. However, that doesn't mean Safe Auto will be the cheapest carrier for every driver, since there are many different factors that are considered when it comes to your car insurance payment.

Who is better, Safe Auto or Trumbull?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, Trumbull is less expensive for drivers who have already retired, while Safe Auto offers more affordable premiums for single policyholders.

Why do Safe Auto and Trumbull offer me different rates?

Insurance carriers use many different variables when determining the prices they charge. Things like gender, where your home is, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Safe Auto and Trumbull calculate premiums using different factors, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if Safe Auto or Trumbull is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple 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 quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Safe Auto or Trumbull 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.