Trustgard Auto vs. Western Reserve Group: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Trustgard Auto offers slightly cheaper premiums than Western Reserve Group
• Trustgard Auto offers more affordable prices for policyholders who are looking to purchase insurance with a spouse
• Western Reserve Group offers more affordable average premiums for single people who will be the only person on the car insurance policy

Trustgard Auto or Western Reserve Group: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Trustgard Auto or Western Reserve Group for your next policy, but which one will offer you less expensive rates?

Looking at nationwide averages, Western Reserve Group is around $0 more a month than Trustgard Auto.

Even so, that doesn't necessarily mean Trustgard Auto will be the more affordable option for each driver. Auto insurance carriers use all sorts of complex algorithms to determine prices, so depending on where you live or how good your credit score is (among lots of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Trustgard Auto and Western Reserve Group by several different rate factors, so read on to find out which company is the best for you.

Trustgard Auto vs. Western Reserve Group: Average Car Insurance Rates by State

Trustgard Auto and Western Reserve Group only compete against each other in one states, with Trustgard Auto offering cheaper rates to the average driver in all of them. Indiana has the most noticable difference, where Trustgard Auto prices are $50 less expensive than insurance rates at Western Reserve Group.

That being said, there are plenty of other factors that go into your auto insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Western Reserve Group for their auto insurance pay almost 25% less than those who use Trustgard Auto.

That being said, with both companies, you'll see your premiums drop significantly by the time drivers turn 25. For example, average prices for Trustgard Auto policyholders decrease about $250 and Western Reserve Group's premiums lower nearly $150 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best rates for retired drivers between Trustgard Auto and Western Reserve Group? Trustgard Auto gets the edge here, with average premiums coming in at around $96 monthly compared to Western Reserve Group's $107.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more affordable for married policyholders than they are for those who are single. That's because policies for married couples typically cover more than one vehicle, which lots of carriers will give you a discount for.

For single policyholders, the difference in average rates between these two companies is not very significant, with Western Reserve Group premiums coming in at about 10% less than Trustgard Auto's. But for married drivers, the advantage is clear - Trustgard Auto has the edge when it comes to average prices.

Trustgard Auto or Western Reserve Group: Average Rates by Gender

You may not know, but car insurance is usually more expensive for men than for women. That's because men are more likely to get speeding tickets and get into accidents, which increases the chances of filing a claim with insurance.

On average, men see rates around $10 per month higher with Trustgard Auto, but surprisingly, with Western Reserve Group, men generally pay about $2 a month less than women.

When it comes to the cheapest premiums for each gender, Trustgard Auto is the most affordable carrier for women. Rates with Trustgard Auto are $5 cheaper for women, while with Western Reserve Group, men can save around $5.

Trustgard Auto vs. Western Reserve Group: 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.

Auto insurance isn't the easiest topic to understand. There are many different coverages that account for a bunch 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.

But the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

When it comes to state minimum liability insurance, Trustgard Auto has the edge, while Western Reserve Group offers the lowest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $15 with Trustgard Auto Insurance, while full coverage comes out to be about $15 less expensive with Western Reserve Group.

Is Trustgard Auto or Western Reserve Group 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.

Collisions and speeding tickets will most likely raise your rates, but is Trustgard Auto or Western Reserve Group cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Trustgard Auto for their auto insurance can typically expect their monthly bill to go up around 34% after getting a speeding ticket. Western Reserve Group policyholders can expect a less drastic increase of about 28%.

Even so, Western Reserve Group has less expensive premiums for drivers in both categories. With Western Reserve Group, drivers with a clean record can save around $10 per month and drivers with a ticket can save about $26 a month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Trustgard Auto can expect to see around an $35 -- or about 26% -- rise in their insurance rates. Drivers who use Western Reserve Group for their car insurance will see a monthly bill around $32 (or 27%) more expensive after reporting a collision to their auto insurance company.

At the end of the day, Western Reserve Group offers the most affordable premiums for drivers with an at-fault collision on their records, with average prices coming in at $120 compared to Trustgard Auto Insurance's $133.

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 insurance bill. For example, Western Reserve Group increases average rates by nearly $150 per month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Trustgard Auto tends to be cheaper for the average driver, with monthly premiums coming in at about $171 to Western Reserve Group's $218.

How does Credit Score Impact Trustgard Auto and Western Reserve Group Rates?

Did you know many car insurance carriers take into account your credit score when determining prices? This isn't true for everyone (California, for example, has banned the use of credit score as a car insurance factor) but it will come into play for several policyholders.

Auto insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Trustgard Auto and Western Reserve Group, which company has the cheapest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Western Reserve Group will normally reward you the most. For policyholders with "excellent" credit scores, Western Reserve Group comes in just under NaN more affordable. Drivers with "good" credit scores usually save around 9% with Western Reserve Group compared to average rates from Trustgard Auto.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about 1% less with Western Reserve Group than Trustgard Auto, but those whose credit is considered "poor" have it flipped -- saving around 10% a month with Trustgard Auto.

Is Trustgard Auto or Western Reserve Group 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 insurance bill. Generally, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Trustgard Auto or Western Reserve Group report increasing prices for drivers with higher annual mileage figures.

Trustgard Auto or Western Reserve Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly car insurance payment. Typically, 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.

Trustgard Auto vs. Western Reserve Group Discounts

No matter why you might be in the market for a new 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 utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the company 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 Trustgard Auto and Western Reserve Group so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Overall, Trustgard Auto has the advantage when it comes to total number of discounts. Western Reserve Group offers a grand total of 11 discounts, while Trustgard Auto has 16.

There are a couple discounts both carriers offer, but Trustgard Auto also offers discounts for advanced safety feature, COVID-19 relief, education, and more.

On the other hand, Western Reserve Group has a few proprietary discounts of their own for things like agency transfer discounts, homeowner discounts, multi-car discounts, and more.

Final Thoughts: Is Trustgard Auto or Western Reserve Group Best for You?

So, we've broken down the average rates for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which insurance company is the best one for you and your specific driver profile?

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

• You want to save extra money with discounts.
• You're of retirement age and want to take advantage of lower premiums.
• You and your spouse are buying car insurance together.

Western Reserve Group might be best for you if...

• You have received a ticket within the last few years.
• You want to save money on your auto insurance after a collision.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide has ben a valuable resource as you compare Trustgard Auto and Western Reserve Group. We also hope we've given you the information you need to make the best 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 a handful of carriers, not just Trustgard Auto and Western Reserve Group. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Trustgard Auto vs. Western Reserve Group FAQs

Is Trustgard Auto or Western Reserve Group cheaper?

Trustgard Auto is the more affordable of the two carriers when looking at national average prices, with policies averaging $137 per month with Trustgard Auto and $137 for Western Reserve Group. That being said, that doesn't mean Trustgard Auto will be the cheapest carrier for each policyholder, since there are lots of different factors that are considered when it comes to your auto insurance cost.

Who is better, Trustgard Auto or Western Reserve Group?

Sadly, the answer truly is "it depends.". One company is not "better" for every policyholder -- it all boils down to your unique car insurance profile. For example, Trustgard Auto is cheaper for drivers who have less-than-stellar credit scores, while Western Reserve Group offers less expensive premiums for drivers with an at-fault collision on their record.

Why do Trustgard Auto and Western Reserve Group offer me different rates?

Insurance companies use a lot of different variables when calculating the rates they charge. Things such as your driving record, where you park your car, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Trustgard Auto and Western Reserve Group use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Trustgard Auto or Western Reserve Group is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Trustgard Auto or Western Reserve Group 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.