The words “bargain” and “insurance” probably shouldn’t be used together, specifically when trying to find the best coverage prices for active military. Because of the high cost, let’s go over a few of the things the can have a considerable influence on car insurance rates, and see how we can help you reduce the price of your next policy.
The vehicle that is being insured is probably the largest consideration when comparing quotes for the lowest-priced insurance for active military. Vehicles with more horsepower, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than more modest models.
The information below shows coverage rates for the most affordable automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Toyota Tacoma 4WD||$1,321|
|Honda CR-V EX 4WD||$1,365|
|Volkswagen Jetta 2.0T Station Wagon||$1,382|
|Toyota RAV4 4WD||$1,395|
|Jeep Grand Cherokee Laredo 2WD||$1,401|
|Ford F-150 Lariat Crew Cab 2WD||$1,422|
|Hyundai Elantra SE Touring Station Wagon||$1,436|
|Ford Escape Limited 4WD||$1,444|
|Ford Explorer XLT AWD||$1,444|
|Chevrolet Impala LTZ||$1,471|
|Honda Odyssey EX-L W/Navigation||$1,477|
|Hyundai Sonata GLS 4-Dr Sedan||$1,493|
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in vehicle garaging location which can impact auto insurance rates greatly.
Based upon these rates, cars like the Toyota Tacoma, Honda CR-V, and Volkswagen Jetta are going to be the most affordable vehicles to insure for military personnel.
For military personnel, one of the more important considerations that aid in calculating the annual cost of car insurance is your address. Cities with larger populations tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The information below ranks the most expensive places in California for active military to purchase a policy in. Stockton ranks #7 having an annual price of $1,603 for car insurance, which is about $134 monthly.
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Premium amounts are estimated as the specific zip code location can influence insurance rates significantly.
Finding reliable, cost effective auto insurance is difficult, and determining which company quotes the lowest-priced insurance rates for active military may require even more rate comparisons. Each insurance company has a different process to set premium rates, so let’s begin by examining the insurance companies with the overall cheapest rates in California.
Lowest Insurance Price Quotes for Military
|Rank||Company||Cost Per Year|
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USAA quotes some of the cheapest car insurance rates in Stockton at around $1,121 each year. Wawanesa, Century National, Nationwide, and CSAA would also be considered some of the cheapest Stockton, CA auto insurance companies.
In the rate table above, if you are a customer of Wawanesa and switched to USAA, you could earn yearly savings of roughly $25. Insureds with Century National could save as much as $69 a year, and Nationwide customers might reduce prices by as much as $105 a year.
To find the cheapest coverage for you, click here to begin a quote or feel free to get quotes from the companies below.
Understand that those estimates are averaged for all types of insureds and vehicles and do not take into consideration an exact location for active military. So the car insurance company that can offer you the best rate may not even be in the top 24 companies shown above. That illustrates why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
Insurance rate increases from tickets or accidents
The recommended way to score low insurance premiums for military personnel is to be a good driver and not have accidents or get tickets. The information below illustrates how speeding tickets and at-fault fender-benders can affect car insurance costs for each different age group. The prices are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied.
The data in the chart shows the average cost of an auto insurance policy per year with no violations or accidents is $2,650. Get one speeding ticket and the average cost swells to $3,084, an increase of $434 each year. Now include one accident along with the one speeding ticket and the 12-month cost of insurance for active military increases to an average of $4,323. That’s an increase of $1,673, or $139 per month, just for being a less-than-perfect driver!
Full coverage rates vs. liability-only
Finding the cheapest insurance is the goal of most vehicle owners, and one great way to lower the cost of insurance for active military is to buy only liability coverage. The chart below compares auto insurance rates with liability coverage only compared to full coverage. The price estimates are based on no claims, a clean driving record, $1,000 deductibles, single marital status, and no policy discounts are applied.
If we average the cost for all age groups, physical damage coverage costs $1,849 per year more than insuring for liability only. Many drivers may wonder if it’s worth it to buy full coverage. There is no clear-cut formula to drop comp and collision coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s pretend your vehicle’s claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your deductible. If premiums are more than $500 a year for full coverage, then it might be time to consider dropping full coverage.
There are some situations where removing full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
How to find more affordable car insurance for active military
The list below details a few thrifty ideas that can help drivers find more affordable auto insurance.
- Multi-policy discounts save money
- Raise comprehensive and collision coverage deductibles
- If your vehicles are older, consider dropping full coverage
- Clean up your credit rating
- Vehicles with good safety ratings have lower liability rates
- Earn discounts for being claim-free
- Compare rates and switch if you can find a better deal
The last idea is incredibly critical, as we stressed in the prior information. Auto insurance rates can change considerably in a year, so don’t be hesitant to buy a different policy if you find a better deal. Staying with the same company for years is fine, but it’s not recommended if your bullheadedness ends up costing you money that could be spent on other things. Spend a few minutes and compare rates and find cheaper auto insurance for active military in Stockton.
The insurance agents in Stockton listed below are a good start to help you determine which policy fits your needs best, as some drivers wish to have a little guidance when trying to find the best insurance rates for military personnel. It’s not always simple to find the cheapest auto insurance company, so a licensed agent can add comfort knowing your coverage gives you suitable coverage if you have an accident.
To locate a Stockton auto insurance agent nearest to you, click the button below the list or click here to compare rates now.
Ann Harvie – State Farm Insurance Agent
5637 N Pershing Ave, Ste E22 – Stockton, CA 95207 – (209) 956-2525
6025 Pacific Ave – Stockton, CA 95207 – (209) 474-7777
Dohrmann Insurance Agency, Inc.
3415 Brookside Rd – Stockton, CA 95219 – (209) 478-1400
Berbower Insurance Agency
1330 W Robinhood Dr Suite A1 – Stockton, CA 95207 – (209) 405-1088