The words “low-cost” and “auto insurance” really don’t belong together, especially when you are looking for the cheapest coverage for active military. In an attempt to save some money, let’s lead off by showing you some of the factors that can significantly affect auto insurance prices, and see how we can help you cut the cost of your next policy.
The make and model of vehicle requiring insurance is one of the largest considerations when trying to find the most economical car insurance for active military. Vehicles with economical engines, modern passenger safety features, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models.
The table below showcases insurance costs for a handful of the cheapest automobiles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$4,563|
|Ford Escape XLT 4WD||$4,572|
|Ford Focus S 4-Dr Sedan||$4,735|
|Honda Accord EX-L 4-Dr Sedan||$4,854|
|Dodge Grand Caravan SXT||$4,917|
|Chevrolet Malibu LT||$4,923|
|Ford Explorer Limited 4WD||$4,917|
|Toyota Tacoma 4WD||$4,990|
|Hyundai Elantra Blue 4-Dr Sedan||$4,995|
|Nissan Rogue S AWD||$5,168|
|Ford Edge Limited 2WD||$5,177|
|GMC Sierra SL Crew Cab 2WD||$5,186|
|Ford F-150 Lariat King Ranch 2WD||$5,177|
|Jeep Wrangler Rubicon 4WD 2-Dr||$5,181|
|Jeep Grand Cherokee Laredo 2WD||$5,281|
|Toyota RAV4 2WD||$5,287|
|Chevrolet Impala LS||$5,309|
|Volkswagen Jetta 2.0T Station Wagon||$5,345|
|GMC Sierra 2500HD SLT Extended Cab 4WD||$5,436|
|Get a Custom Quote Go|
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in zip code location which can modify prices noticeably.
Based upon the rates shown, we can presume that vehicles like the Honda CR-V, Ford Escape, Ford Focus, Honda Accord, and Dodge Grand Caravan are most likely to be the less-costly vehicles to insure for military personnel.
Comparing quotes for cost effective insurance is tough enough, and figuring out which companies have the most affordable auto insurance rates for active military will involve even more diligence.
Every insurance provider uses a different method to set their prices, so let’s begin by examining the most competitive auto insurance companies in Philadelphia, PA.
Find Cheaper Car Insurance for Military
|Rank||Company||Cost Per Year|
|18||Mutual Benefit Group||$1,439|
|Get a Custom Quote Go|
General Casualty quotes some of the most affordable car insurance rates in Philadelphia at around $740 per year. This is $917 less than the average rate paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National also make the cut as some of the best Philadelphia, PA car insurance companies.
As depicted above, if you currently buy coverage from Travelers and switched to General Casualty, you might achieve yearly savings of approximately $63. Pennsylvania drivers with USAA may save as much as $69 a year, and Erie insureds might see rate reductions of $84 a year.
To get a fast rate comparison, click here to start a quote or visit any of the companies below.
Understand that those premiums are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific zip code for active military. So the company that is best for you may not even be in the list above. That point stresses why you need to compare prices as often as possible using your own specific driver and vehicle information.
One of the more important components that are looked at to help calculate the amount you pay each year for auto insurance is where your residence is in Philadelphia. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas areas with less congestion have the luxury of lower rates.
The information below ranks the most costly cities in Pennsylvania for active military in which to buy car insurance. Philadelphia is ranked #1 with the yearly price of $1,977 for the average policy, which is about $165 monthly.
|Rank||City||Average Per Year|
|16||Municipality of Monr||$1,049|
|Start a Quote Go|
Price information shown is comparative as vehicle location can impact coverage rates significantly.
Get discounts on Philadelphia car insurance
Insurance companies that sell policies for active military may also give you price discounts that can lower rates by 25% or more if you meet certain criteria. Popular auto insurance companies and a selection of discounts are:
- State Farm has savings for multiple autos, accident-free, safe vehicle, multiple policy, student away at school, and good driver.
- Esurance may offer discounts for good driver, online shopper, multi-policy, multi-car, Pac-12 alumni, and anti-theft.
- Progressive offers discounts for homeowner, online signing, online quote discount, good student, multi-policy, multi-vehicle, and continuous coverage.
- Liberty Mutual has discounts for exclusive group savings, multi-policy, hybrid vehicle, preferred payment discount, multi-car, and new move discount.
- Auto-Owners Insurance policyholders can earn discounts including mature driver, multiple vehicles, safe vehicle, group or association, air bags, company car, and anti-lock brakes.
- GEICO includes discounts for daytime running lights, emergency military deployment, driver training, multi-vehicle, and anti-lock brakes.
The example below shows the difference between premium costs with and without discounts applied to the policy premium. The rates are based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, safe-driver, multiple vehicle, anti-theft, multiple policy, and claim-free discounts applied. When discounts are factored in, theamount saved on auto insurance for active military is 28% or $478.
Selecting the right car insurance company can be a challenge considering how many companies provide coverage in Philadelphia. The company information below may help you choose which insurers you want to consider when comparing rate quotes. These rankings are only comprised of companies that write coverage in many states, so companies that focus mainly on Pennsylvania business are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Full coverage versus liability only rates
Saving on auto insurance is the goal of the majority of people, and one of the best ways to pay lower rates for insurance for active military is to buy only liability coverage. The information below illustrates the comparison of auto insurance rates with full physical damage coverage and with liability coverage only. The data assumes a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are taken into consideration.
If we average the cost for ages 20 through 70, physical damage coverage costs $2,070 per year more than just buying liability only. Many drivers will wonder if you should buy full coverage at all. There is no definitive guideline of when to eliminate full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
How to find the cheapest car insurance for active military
The list below shows some of the recommended penny-pinching suggestions that can help drivers locate more affordable coverage.
- Save money by obeying traffic laws and keeping a clean driving record
- Avoid preventable accidents
- Good credit can save money
- Safer vehicles cost less to insure
- Raise deductibles
- Compare rates regularly to ensure the best deal
That last tip is especially crucial, as we hit on in this article. Car insurance rates in Philadelphia can change considerably based on profitability, so you should be ready to buy a policy from a new company if you find a cheaper price. Loyalty to a specific company is fine, but it’s not recommended if that inflexibility results in costing you hundreds of dollars year after year. In just a few minutes you could compare prices to find cheaper car insurance for active military.
If you have questions and prefer to get some professional advice when shopping around for cheaper insurance for active military, the agents shown below can probably answer your questions and help you decide which policy fits your needs best.
To find an auto insurance agency using an interactive map, click the button link following the list or click here to compare price quotes.
Steven Breinlinger – State Farm Insurance Agent
7904 Germantown Ave – Philadelphia, PA 19118 – (267) 323-2923
Gallo Insurance Agency
617 S 18th St – Philadelphia, PA 19146 – (215) 545-9500
Erica Bantom Martin – State Farm Insurance Agent
1124 S Broad St – Philadelphia, PA 19146 – (215) 875-8100