Cheapest Auto Insurance for Retired Military in Virginia

The vehicle model you are buying coverage for is one of the main factors that determines whether or not you can buy the most economical car insurance for retired military. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost more to insure than safer models.

The next table estimates insurance premiums for the cheapest automobiles to insure in Virginia.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can influence rates significantly.

Based upon these rates, we can conclude that vehicles like the Chevrolet Traverse, Ford Escape, and Ford F-150 should be the more affordable vehicles to insure for veterans.

For veterans, one of the largest factors that establish the amount you pay for auto insurance is where your home is located in Virginia. Areas that are densely populated or have higher claim frequency like Burke, Dale City, and Centreville likely pay more, whereas areas that tend to be more rural generally pay less for car insurance.

The table below displays the highest-priced places in Virginia for retired military to buy auto insurance in.

Premium amounts are estimated as the specific garaging location can decrease or increase coverage prices greatly.

Discount Virginia insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-retired-military-va.jpg" alt="Cheaper Virginia car insurance for veterans”/>Car insurance companies that provide the cheapest auto insurance for retired military in Virginia may also give you special discounts that could potentially reduce rates by 40% or more if you are eligible. A list of car insurance companies and a selection of discounts are detailed below.

The information below illustrates the difference between car insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with anti-theft, accident-free, passive restraint, multiple policy, claim-free, and homeowner discounts applied. When these discounts are applied to the policy premium, the the amount saved on car insurance for retired military is 13% or $199.

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Best cheap insurance quotes for veterans

Thanks to the internet, there are a lot of ways to find lower-cost car insurance in Virginia, but the most popular methods are using a non-exclusive or independent agent, an exlusive agent like State Farm or Liberty Mutual, or from a direct company like Progressive or Geico. Each way is similar, but it’s good to know the differences in how they give price quotes.

Independent insurance agencies write business for many companies and can compare rates with all of them. Independent agents can quote with many companies and give you a larger rate selection, which may provide you with a better overall rate comparison. If they find a lower price, your agent can switch companies and you won’t have to switch agencies.

An exlusive, or captive, agency is only able to quote your policy with one company such as a State Farm or Allstate agent. These guys and gals cannot provide rates from more than one company, so unless you get quotes from other companies, you cannot determine which is cheapest.

Drivers who opt to buy car insurance direct do not use a local insurance agent and instead shop from a direct company like Geico. This car insurance option may be the best choice people who have fewer assets and have an above average understanding of what car insurance covers and what it doesn’t.

So out of those three methods, which one works best to find the cheapest auto insurance for retired military in Virginia? We wish we could say shopping direct results in the best prices since it doesn’t require paying agent commissions, but that turns out to not be true. A valid argument could also be made that using an independent agent results in the best rates since there are more companies to choose from, but that is not accurate either. In many circumstances, exclusive agents have price quotes that other companies cannot beat.

Because there are so many factors that make up car insurance rates, the one way to buy the cheapest coverage is to get quotes and compare. Be sure to get prices from all three to have enough rates to compare. We compiled a list of companies with some of the cheapest online rates that you can click here to view.

How to find cheaper auto insurance for retired military

Below you’ll find some of the better thrifty ideas that can help drivers get more affordable car insurance.

• Buying car and homeowners insurance together can save money
• Prevent rate increases by staying accident-free
• Earn discounts for being claim-free
• Raise your deductibles
• Be a safe driver
• Improve your credit
• Compare prices as often as possible

That last idea is incredibly significant, as was discussed in the article above. Coverage rates adjust often, so drivers shouldn’t be reluctant to buy from a new company if a better rate can be found. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that stubbornness costs you a fortune every year. Now is a great time to shop around and find cheaper car insurance for retired military.