The words “economical” and “auto insurance” probably shouldn’t be used together, in particular when you are looking for the best insurance rates for active military. Let’s go over some things that help determine car insurance premiums, and find a way to take the sting out of your next policy.
The type of vehicle that is being insured is one of the main factors when comparing quotes for affordable coverage for active military. Vehicles with lots of speed or power, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models.
The next list estimates auto insurance costs for a handful of the most cost-effective automobiles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,106|
|Honda Accord LX 4-Dr Sedan||$1,212|
|Ford Escape XLS 2WD||$1,222|
|Dodge Grand Caravan CV||$1,239|
|Honda CR-V LX 2WD||$1,250|
|Toyota RAV4 Sport 4WD||$1,310|
|Ford Edge SE 2WD||$1,329|
|Ford F-150 XLT Crew Cab 4WD||$1,336|
|Toyota Camry XLE||$1,381|
|Chevrolet Silverado LT Regular Cab 2WD||$1,405|
|Chevrolet Equinox LTZ AWD||$1,407|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,417|
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific garaging location which can change insurance rates significantly.
Looking at the numbers, we can expect vehicles like the Hyundai Elantra, Honda Accord, Ford Escape, and Dodge Grand Caravan are likely to be the most budget-friendly vehicles to insure for military personnel.
Deciding which company quotes the cheapest car insurance rates for active military may require a little more effort in order to find the lowest price.
Each auto insurer has a unique approach for setting prices, so let’s take a look at the car insurance companies with the most affordable rates in Pennsylvania.
Cheapest Insurance Rates for Military
|Rank||Company||Cost Per Year|
|17||Mutual Benefit Group||$1,439|
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General Casualty generally has some of the best car insurance rates in Pittsburgh at around $718 per year. Erie, Travelers, USAA, and Penn National would also make the list of some of the more affordable Pittsburgh, PA car insurance companies.
In the above example, if you are insured with USAA and switched to Erie, you may see an annual savings of in the vicinity of $25. Pennsylvania drivers with Penn National could save as much as $48 a year, and Amica insureds might realize rate reductions of up to $200 a year.
To find the cheapest coverage for you, click here or visit several of the following companies.
Understand that those prices are averaged for all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location for active military. So the car insurance company that has the cheapest price for you may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
The illustration below highlights how deductible selection can impact annual premium costs when researching cheap insurance for active military. The rate quotes are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
As shown above, a 50-year-old driver could pocket $378 a year by changing from a $100 deductible to a $500 deductible, or save $570 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, can cut $1,248 or even more by using higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it will be required to have enough in a savings account to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Poor driving habits will raise your car insurance rates
One of the best ways to get cheap car insurance prices in Pennsylvania for military personnel is to pay attention while driving and avoid accidents and violations. The illustration below highlights how speeding tickets and accident claims drive up annual premium costs for different age categories. The costs are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of an auto insurance policy per year with no accidents or violations is $2,197. Get written up for one speeding ticket and the average cost rises to $2,520, an increase of $323 each year. Now add in two accidents along with the one speeding ticket and the annual cost of car insurance for active military goes up to an average of $5,237. That’s an increase of $3,041, or $253 per month, just for a couple of infractions!
Pittsburgh car insurance companies ranked
Buying coverage from a highly-rated auto insurance provider is hard considering how many choices you have in Pittsburgh. The ranking data below may help you analyze which providers to look at when shopping your coverage around. These rankings are for companies who write in the majority of U.S. states, so smaller regional companies are not included in the list.
Top 10 Large Auto Insurers in Pittsburgh Ranked by Claims Service
- Liberty Mutual
- State Farm
- Titan Insurance
- The General
- 21st Century
Top 10 Large Auto Insurers in Pittsburgh Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
What aren’t you shopping around?
Pittsburgh, PA car insurance rates are calculated based on many things that control the cost of coverage. Simply getting older, buying higher coverage limits, or having an accident can trigger price changes resulting in some rates now being more affordable than others. Additionally, insurance companies file new Pennsylvania car insurance rates every year or even multiple times each year in order to protect their financial rating. Higher than normal claim frequency or severity can result in increased rates, while lower claim levels can result in lower-cost Pittsburgh car insurance rates.
For instance, the bar chart below compares the cheapest car insurance in Pittsburgh, PA for a 40-year-old female driver with no prior claims, no tickets, and a good credit rating. If we estimate rates based on her current rating profile, General Casualty may have the lowest car insurance rates in Pittsburgh at $852 each year. This is $805 less than the average premium paid by Pennsylvania drivers of $1,657. USAA, Erie, Penn National, and Travelers also make the list of the cheapest Pittsburgh, PA auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates an at-fault accident, a lower credit rating, and a traffic citation. Since every insurance provider has their own formula for determining rates, comparing quotes could result in a different list of affordable Pittsburgh car insurance companies as shown below.
Auto-Owners now has the cheapest insurance rate in Pittsburgh, PA with Atlantic States, Donegal Mutual, USAA, and Erie also having competitive pricing. This illustrates why it is crucial to compare lots of rates to find the lowest auto insurance quotes for active military.
Prices are made up of many different factors and can change substantially, so the best price the last time you compared rates may now be quite expensive.
The professional agents shown below can answer your questions and help you decide which auto insurance policy fits you best, since many consumers aren’t sure which coverage to buy and prefer to get some professional advice when buying car insurance for active military. It can be hard to find the best policy on your own, and insurance agents can give satisfaction knowing your policy gives you enough coverage if you have a claim. To locate a Pittsburgh insurance agent near you, click the button at the bottom of the list or click here to get price quotes now.
- Nalley Insurance Agency LLC
3349 Babcock Blvd – Pittsburgh, PA 15237 – (412) 366-5223
- McIlrath Insurance Agency
4601 Clairton Blvd – Pittsburgh, PA 15236 – (412) 882-9000
- Nationwide Insurance: Joshua Michael Dott Agency
513 Towne Square Way – Pittsburgh, PA 15227 – (412) 927-2400