Best Cheap Auto Insurance Quotes for Retired Military in Arizona

Our editors always tell us that when writing about auto insurance, the words “affordable” or “cheap” should never appear anywhere in the article as a descriptor for auto insurance rates. It’s a simple fact that cheap auto insurance for retired military is just plain contradictory. Don’t let that bother you, though, because we can show you some ways you can still find and buy auto insurance that won’t break your budget.

The car, truck, or SUV driven is one of the largest factors when consumers are trying to find cheap coverage for retired military. Vehicles with economical engines, a great safety record, or low incidents of liability claims will cost much less to insure than adrenaline junky models.

The next tables illustrates car insurance costs for a number of the most cost-effective vehicles to buy coverage for.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific garaging location which can raise or lower insurance rates greatly.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in specific location information which can alter coverage rates noticeably.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific Arizona garaging location which can increase or decrease premiums considerably.

Comparing quotes for cost effective car insurance is hard enough, and figuring out which companies have the lowest-priced insurance rates for retired military requires even more work. Every auto insurer has a proprietary method for determining rates, so first let’s look at the rankings for the overall cheapest insurance companies in Arizona.

It’s important to know that Arizona insurance rates are calculated based on many things that will increase or decrease the policy price. This price variation is why Arizona drivers need to perform an extensive rate comparison when trying to get cheap auto insurance quotes for retired military. Prices can be altered by many risk factors and change dramatically, so the cheapest company three years ago may now be quite expensive.

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The Hartford generally has some of the cheapest car insurance rates in Arizona at around $820 a year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the best Arizona insurance companies.

In the rate table above, if you buy coverage from Safeco and switched to The Hartford, you could realize yearly savings of roughly $76. Arizona drivers with Travelers may save as much as $288 a year, and USAA insureds might see rate reductions of $293 a year.

To find the best cheap car insurance for retired military in Arizona, click here to get a free quote or click several companies below for low rates.

These rates are averaged across all insureds and vehicles and do not factor in a rate decrease for retired military. So the company that is best suited for you may not even be featured in the list above. That illustrates why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

The example below demonstrates how deductibles can change insurance costs when searching for cheap insurance for retired military. The data is based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2527,2313,2073,1843],[‘Age 30’, 1767,1611,1435,1267],[‘Age 40’, 1751,1599,1429,1267],[‘Age 50’, 1531,1403,1255,1115],[‘Age 60’, 1459,1335,1193,1059],[‘Age 70’, 1583,1447,1299,1159]]);var options = {title: ‘Impact of Higher Deductibles on Auto Insurance Prices in Arizona’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 50-year-old driver could lower their policy premium by $276 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $416 by using a $1,000 deductible. Youthful drivers, like the age 20 example, could lower their rates $684 every year just by using higher deductibles.

If you do raise deductibles, it is essential to have plenty of money set aside to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Choosing the top auto insurance company is difficult considering how many companies provide coverage in Arizona. The rank data shown below could help you select which car insurance providers to look at comparing price quotes from. These ratings only include large, nationwide insurance companies, so companies that focus mainly on Arizona business are not taken into consideration for the list.

Top 10 Large Auto Insurance Providers in Arizona Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. GEICO – 89%
7. The Hartford – 89%
8. The General – 88%
9. Liberty Mutual – 88%
10. Allstate – 88%

Top 10 Large Auto Insurance Providers in Arizona Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Cheapest car insurance: State Farm, Progressive, Geico, or Allstate

When shopping around for auto insurance for veterans in Arizona, four good companies to start with are State Farm, Progressive, Geico, and Allstate. Between them, they insure almost 50% of all policies written in the United States. They all offer a distict selection of optional coverages and features that add value to each policy. The next table compares price, claims, and customer service ratings, as well as some optional coverages that may be available in Arizona.

Who has the cheapest insurance quotes for veterans?

Drivers have a lot of ways to find cheap insurance in Arizona, but the three most common ways are using an independent or non-exclusive agent, an exclusive insurance agent such as Allstate or Auto-Owners, or direct either online or via phone.

All three ways can provide insurance quotes, but they are slightly different in how they give price quotes.

Independent insurance agents work for many companies and can compare rates with each one. These types of agents are not restricted to one company and can provide you with more rates, which may give you better odds of saving money. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.

A captive or exclusive agent is only able to place business with a single company, two examples are an Allstate or Liberty Mutual agent. Exclusive agents generally are unable to provide multiple price quotes, so if rates are not competitive, they cannot give other choices.

Opting to purchase insurance direct means you do not use local agents and instead buy from a direct company like Progressive. This insurance option may be good for people who do not have a need for a risk management assessment and understand what coverage options they need.

Which method is best for finding the best cheap car insurance for retired military in Arizona? The quick answer would be shopping direct results in the best prices because there is no agent taking a commission, but in reality, that is not true. It could also be said buying insurance from an independent agent guarantees the cheapest rates due to increased selection, but again, it’s not necessarily true. In many circumstances, exclusive agencies have coverage prices that are the lowest in Arizona.

Since insurance prices are based on many different factors, really the only way to make sure you’re not overpaying for insurance is to compare lots of quotes. If time allows, get rate quotes from all three to get an idea of which is cheapest. For a list of companies with online discounts, click here to view.