The type of vehicle you are seeking coverage for is one of the largest considerations that determines whether or not you can buy affordable insurance for active military. Vehicles with limited top-end speed, a great safety record, or a track record of few liability claims will cost substantially less to insure than high performance models.
The next list ranks coverage rates for a number of the cheaper automobiles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$1,271|
|GMC Sierra SLE Crew Cab 2WD||$1,389|
|Honda CR-V LX 4WD||$1,441|
|Honda Accord EX 4-Dr Sedan||$1,446|
|Ford F-150 Lariat King Ranch 4WD||$1,515|
|Honda Civic GX 4-Dr Sedan||$1,534|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$1,537|
|Toyota Tacoma 2WD||$1,561|
|Kia Optima SX||$1,588|
|Ford Fusion S 4-Dr Sedan||$1,591|
|Chevrolet Equinox LS AWD||$1,596|
|Chevrolet Impala LT||$1,591|
|Ford Explorer Limited 2WD||$1,620|
|Dodge Grand Caravan Crew||$1,625|
|Ford Focus S 4-Dr Sedan||$1,667|
|Hyundai Elantra GLS 4-Dr Sedan||$1,674|
|Ford F-250 XL Super Cab Cabela Turbo Diesel 2WD||$1,689|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,692|
|Chevrolet Malibu Hybrid||$1,702|
|Toyota RAV4 Limited 2WD||$1,708|
|Nissan Altima Hybrid 4-Dr Sedan||$1,704|
|Ford Edge Limited AWD||$1,793|
|Find Cheaper Rates Go|
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in specific location information which can modify coverage prices greatly.
Based upon the table data, you can assume that vehicles like the Ford Escape, Toyota Prius, GMC Sierra, Honda CR-V, and Honda Accord are most likely going to be some of the most affordable vehicles to insure for military personnel.
Trying to buy budget insurance is hard enough, and finding out which companies quote the lowest-priced auto insurance rates for active military takes even more rate comparisons. Every auto insurer has a unique formula to set their prices, so let’s take a look at the lowest cost auto insurance companies in Tucson.
It’s important to understand that Tucson, AZ auto insurance rates are determined by lots of factors that will increase or decrease the price of coverage. This price fluctuation is why it is critical to spend some time comparing rates to find cheap auto insurance quotes for active military. Rates can be altered by many different factors and change frequently, so the best option six months ago may now be costing you a lot of money.
Best Car Insurance Prices for Military
The Hartford normally has some of the lowest car insurance rates in Tucson at around $811 annually. Safeco, Auto-Owners, Travelers, and USAA also qualify as some of the cheapest Tucson, AZ car insurance companies.
As shown in the table above, if you are insured with Travelers and switched to Safeco, you might see a yearly savings of in the vicinity of $181. Insureds with USAA could save as much as $186 a year, and Progressive policyholders might cut rates by $213 a year.
To see if your current coverage is too expensive, click here to begin a quote or feel free to get quotes from the companies below.
Understand that those premiums are averaged for all drivers and vehicles and do not take into consideration a specific zip code for active military. So the company that has the cheapest rates for you may not even be in the top 28 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.
How accidents and violations affect rates
The obvious way to score the most affordable auto insurance premiums in Tucson for military personnel is to be a safe driver and avoid at-fault accidents and violations. The information below demonstrates how citations and at-fault collisions can impact insurance costs for different age groups. Data assumes a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
In the prior example, the average cost of an auto insurance policy in Tucson per year with a clean driving record and no accidents is $971. Add in one speeding ticket and the average cost surges to $1,130, an increase of $160 each year. Now include one accident along with the one speeding ticket and the yearly cost of auto insurance for active military increases to an average of $1,577. That’s an increase of $606, or $51 per month, just for being a careless driver!
How much more does full coverage cost in Tucson?
Finding cheaper auto insurance is important to the majority of people, and one way to find cheaper insurance for active military is to not pay for full coverage. The diagram below shows the difference between insurance rates when comparing full coverage to liability only. The premiums are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage coverage on your policy costs an additional $1,579 per year more than carrying just liability coverage. Many drivers may wonder if you should buy full coverage at all. There is no clear-cut rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
There are some situations where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.
You are probably paying too much for car insurance
Tucson auto insurance rates are impacted by many things that can increase the cost of having a policy. Improving your credit score, buying a new vehicle, or getting into an accident may prompt premium changes that may make certain companies more affordable than the competition. Also, insurers modify pricing as often as every three months in order to be able to pay unexpected claims. Higher than normal claims can result in higher prices, while lower claims can result in cheaper Tucson car insurance rates.
For example, the bar chart below demonstrates which company has the cheapest car insurance in Tucson, AZ for a 40-year-old male driver with no prior claims, no tickets, and good credit. Based on his current risk factors, The Hartford quotes the cheapest car insurance rates in Tucson at $1,008 per year. This is $420 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA round out the rest of the cheapest Tucson, AZ auto insurance companies.
Let’s now give the driver from the first rate comparison an at-fault accident, a lower credit rating, and an imperfect driving record. Since every car insurance company uses their own formula to set their prices, comparing rates may now result in a different set of cheap Tucson auto insurance companies as shown below.
GEICO now has the best insurance rate in Tucson with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual now rounding out the top five. This example demonstrates why it is so important to compare lots of rates to find the cheapest insurance rates for active military.
Car insurance prices are calculated by many things and change substantially, so the most economical option the last time you shopped your coverage around may now be quite expensive.
How to find the cheapest car insurance for active military
It is possible to find better rates, and here are some of the recommended money-saving solutions that can help drivers get low-cost car insurance.
- Do not waste money insuring older vehicles for full coverage
- Be a cautious driver
- Avoid at-fault accidents and claims
- Increase deductibles to save money
- Discounts for being claim-free can be substantial
- Comparison shop at least every other year
The last tip in the list is certainly important, as we pointed out in this piece. Car insurance rates change constantly, so don’t be afraid to buy a different policy if a more affordable rate is found. Staying with the same car insurance company is fine, but it’s not a great idea if that dedication is costing potentially thousands of dollars a year. Take a few minutes and compare prices and find cheaper insurance for active military in Tucson.
If you aren’t sure which coverage to buy and prefer to have a consultation when trying to find lower insurance rates for military personnel, the agents below can answer your questions and help you decide which car insurance company is the best fit.
To find a Tucson insurance agency closest to you, click the button at the bottom of the list or click here to compare rates now.
- Allstate Insurance: Edmund Marquez
4420 E Speedway Blvd Ste 102 – Tucson, AZ 85712 – (520) 323-9333
- GEICO Insurance Agent
3255 E Speedway Blvd – Tucson, AZ 85716 – (520) 747-4223
- Crest Insurance Group LLC
5285 E Williams Cir #4500 – Tucson, AZ 85711 – (520) 881-5760