Who Has Cheap Car Insurance for Active Military in Florida?

One of the more important considerations used to calculate a rate quote is where you normally keep your vehicle. Areas with more people or even just a higher incidence of claims like Hialeah, Miami, and Miramar tend to pay higher rates, whereas areas that are not as densely populated have the luxury of cheap car insurance for active military in Florida.

The table below ranks the most expensive cities in Florida for active military to purchase a policy in.

Premium costs are estimated as specific Florida garaging address can decrease or increase insurance rates significantly.

The vehicle needing coverage is one of the primary factors that determines the availablility of affordable coverage for active military. Vehicles with high performance engines, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than more modest models. The table below ranks coverage costs for a number of the most economical vehicles to insure.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in Florida location which can affect premiums noticeably.

Looking at the numbers, we can presume that makes and models like the Honda Accord, Ford Edge, Volkswagen Jetta, and Ford Explorer are most likely going to be the cheapest vehicles to insure for military personnel.

The diagram below highlights how deductible selection can affect insurance costs when researching cheap insurance for active military. The premiums assume a married male driver, full coverage, and no other discounts are factored in.

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The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $394 a year by changing from a $100 deductible to a $500 deductible, or save $590 by switching to a $1,000 deductible. Young drivers, such as the Age 20 example, have the ability to save $1,320 annually just by using higher deductibles. If you do decide to increase your deductibles, it is essential to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Buying coverage from the best car insurance company can be challenging considering how many different insurance companies sell coverage in Florida. The ranking information in the next section may help you select which auto insurance companies to look at purchasing a policy from.

These ratings are only made up of large insurance companies, so companies with more of a regional focus are not included in this list. To check prices from many more Florida auto insurance companies, follow this link.

Top 10 Large Auto Insurance Providers in Florida Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Large Auto Insurance Providers in Florida Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

How to find more affordable car insurance for active military

The list below details some of the recommended penny-pinching suggestions that can help you locate low-cost car insurance.

• Try to not file small claims
• Better credit scores save money
• Do not insure for full coverage
• Choose a safer vehicle and pay lower rates
• Increase your comprehensive and collision deductibles
• Home or renters coverage can save on auto insurance
• Ensure you have the best deal by shopping around regularly

The last tip in the list is certainly vital, as we pointed out in this article. Prices charged by car insurance companies in Florida change a lot, so drivers shouldn’t hesitate to buy from a new company if a more affordable rate is found. Having a favorite company is great, but it’s not a good idea if that loyalty results in overpaying several hundred dollars every year. In just a few minutes you could compare prices to find cheaper auto insurance for active military.