Wouldn’t it be great if you could just know the one company that has the most affordable coverage for veterans? Unfortunately, it’s not that simple as there are a whole bunch of unknown elements like the number of miles you drive in a year, your credit history, and if you own or rent your home, that help determine the price you have to pay. In this article, we will cover the best ways to avoid high prices and will hopefully give the reader a good start in finding the cheapest car insurance in Arizona.
The vehicle you are insuring is one of the primary factors when quoting affordable insurance for veterans. Vehicles with reasonable performance levels, a great safety record, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The information below estimates car insurance premiums for a handful of the cheapest vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,298 |
| Honda Accord LX 4-Dr Sedan | $1,303 |
| Ford Escape XLS 4WD | $1,419 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,452 |
| Volkswagen Jetta 2.0T Station Wagon | $1,519 |
| Nissan Altima 2.5 4-Dr Sedan | $1,535 |
| Toyota RAV4 4WD | $1,544 |
| Ford F-150 FX2 2WD | $1,563 |
| Toyota Prius | $1,578 |
| Ford Edge Sport AWD | $1,617 |
| Honda Odyssey EX-L | $1,625 |
| Ford Fusion SEL 4-Dr Sedan | $1,645 |
| Kia Optima LX | $1,654 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,645 |
| Toyota Tacoma Double Cab 4WD | $1,678 |
| Jeep Grand Cherokee Laredo 2WD | $1,683 |
| Ford Explorer Eddie Bauer 4WD | $1,712 |
| Dodge Grand Caravan SXT | $1,720 |
| Ford Focus SE 2-Dr Coupe | $1,727 |
| Chevrolet Malibu Hybrid | $1,732 |
| Toyota Camry LE | $1,738 |
| Chevrolet Impala LTZ | $1,771 |
| Hyundai Elantra SE 4-Dr Sedan | $1,779 |
| Compare Cheap Rates Go | |
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter auto insurance rates noticeably.
Looking at the rates, you can figure that cars like the Honda CR-V, Honda Accord, Ford Escape, Jeep Wrangler, and Volkswagen Jetta are going to be a few of the most budget-friendly vehicles to insure for veterans.
Deciding which company quotes the best insurance rates for veterans will require more time in order to find coverage that fits your budget. Each company used slightly different criteria for setting rates, so let’s take a look at the most competitive insurance companies in Arizona.
It’s important that readers know that Arizona insurance rates are impacted by many things that may substantially change the price of your policy. Simply turning a year older, moving to a new city, or having an at-fault accident may prompt premium changes that can make some companies cheaper than competitors.
Find the Cheapest Car Insurance for Vets
The Hartford has some of the cheapest car insurance rates in Chandler at around $836 a year. This is $592 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Progressive also rank well as some of the cheapest Chandler, AZ car insurance companies.
As shown in the table above, if you are a policyholder with USAA and switched to Safeco, you might realize savings of upwards of $208. Customers with Progressive could save as much as $213 a year, and Travelers policyholders might see rate reductions of $214 a year.
Bear in mind that those policy rates are averages for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for veterans. So the auto insurance company that has the cheapest price for you may not even be in the list above. That is why you need to get rate quotes using your own individual information.
One of the more important factors that determine insurance cost is where your residence is. Larger areas tend to have more expensive car insurance rates, whereas areas with less crime or weather claims benefit from lower prices.
The table below lists the most expensive areas in Arizona for veterans to purchase car insurance in. Chandler is listed at #11 with a yearly premium of $1,093 for the average policyholder, which is around $91 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,190 |
| 3 | Avondale | $1,174 |
| 4 | San Tan Valley | $1,161 |
| 5 | Gilbert | $1,154 |
| 6 | Tempe | $1,152 |
| 7 | Mesa | $1,125 |
| 8 | Buckeye | $1,122 |
| 9 | Scottsdale | $1,117 |
| 10 | Tucson | $1,105 |
| 11 | Chandler | $1,093 |
| 12 | Peoria | $1,093 |
| 13 | Goodyear | $1,087 |
| 14 | Maricopa | $1,085 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Surprise | $1,058 |
| 17 | Casa Grande | $1,057 |
| 18 | Casas Adobes | $1,050 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $954 |
| Start a Quote Go | ||
Annual rates are approximated as specific Chandler zip code can raise or lower auto insurance rates considerably.
Discount Chandler car insurance
Car insurance companies that sell policies for veterans could also offer policy discounts that may potentially lower prices by 35% or more if you meet eligibility requirements. A list of insurance companies and some of the premium reductions they offer are detailed below.
- State Farm offers discounts including defensive driving training, multiple autos, driver’s education, multiple policy, safe vehicle, and Drive Safe & Save.
- Progressive may include discounts for online quote discount, homeowner, multi-policy, multi-vehicle, and online signing.
- Travelers has savings for continuous insurance, save driver, home ownership, multi-policy, new car, and multi-car.
- American Family discounts include bundled insurance, defensive driver, air bags, mySafetyValet, and TimeAway discount.
- Liberty Mutual includes discounts for multi-car, exclusive group savings, new vehicle discount, good student, safety features, teen driver discount, and preferred payment discount.
The information below compares insurance rates with and without discounts applied to the rates. The data assumes a female driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, multiple policy, accident-free, defensive driving course, multiple vehicle, and claim-free discounts applied. When these discounts are applied, theaverage amount saved on insurance for veterans is 28% or $501.
The example below demonstrates how deductibles can influence yearly insurance costs when searching for cheap insurance for veterans. The premiums are based on a married female driver, comp and collision included, and no policy discounts are applied.
The data above shows that a 30-year-old driver could save $322 a year by changing from a $100 deductible up to a $500 deductible, or save $484 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could shave as much as $684 annually by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it is a good idea to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Here’s why you should compare rates often
Chandler, AZ insurance rates are based on many factors which can substantially decrease or increase the price you pay. Getting older, having a teen driver, or getting a ticket for careless driving can trigger rate changes resulting in some companies being cheaper than before.
Not only may your situation change, but auto insurance companies change prices every year or even multiple times each year to reflect underwriting profits or losses. Higher than normal claims can result in increased policy costs, while a better claims history can result in lower-cost Chandler car insurance rates.
To help illustrate this point, the chart below shows which company has the cheapest car insurance in Chandler, AZ for a 30-year-old male driver with no prior accidents, a clean driving record, and good financial standing. If we estimate rates based on his current rating profile, The Hartford might quote the lowest car insurance rates in Chandler at $1,052 a year. This is $376 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Progressive, and Travelers are the remaining best Chandler, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates a claim or two, less-than-perfect credit, and a couple of points charged on his driving record. Since each auto insurance company has a proprietary method to set policy rates, analyzing rates may now show a completely different list of affordable Chandler car insurance companies as shown below.
GEICO now has the best price on car insurance in Chandler, AZ with Ameriprise Group, CSAA, Allied, and Safeco also having competitive pricing. This demonstrates why consumers need to take the time to shop around when trying to find the most budget-friendly insurance quotes for veterans.
Rates are determined by many different factors and change dramatically, so the cheapest company the last time you shopped around may now be one of the more expensive options.
Tips to find cheaper auto insurance for veterans
It’s not impossible to find cheaper rates, and here are some of the better money-saving suggestions that can help Chandler drivers locate lower-cost car insurance.
- Buy a car with high safety ratings
- Clean up your credit rating
- Raise your deductibles
- Do not insure for full coverage
- Buy your auto and home insurance from the same company and save
- Earn a discount by not filing claims
- Shop your coverage around for the best deal
The last suggestion is very valuable, as was pointed out in this write-up. Prices charged by companies vary greatly, so don’t be unwilling to switch carriers if a more affordable price is available.
Loyalty to a specific company is fine, but is isn’t recommended if that faithfulness ends up costing you money that could be spent on other things. Now is a great time to compare rates to find cheaper insurance for veterans in Chandler.