The make and model of vehicle on the policy is one of the largest factors in finding economical coverage for retired military. Vehicles with high performance, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The data below illustrates car insurance costs for a handful of the most budget-friendly vehicles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,075|
|Hyundai Elantra GLS Touring Station Wagon||$1,081|
|Honda CR-V EX-L 4WD||$1,099|
|Chevrolet Impala LT||$1,164|
|Chevrolet Equinox LS AWD||$1,172|
|Ford Explorer XLT AWD||$1,204|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,227|
|Toyota Tacoma 2WD||$1,249|
|Ford Edge Limited 2WD||$1,256|
|Chevrolet Silverado LS Regular Cab 2WD||$1,267|
|Toyota RAV4 4WD||$1,274|
|Toyota Camry LE||$1,283|
|Honda Civic SI 4-Dr Sedan||$1,289|
|Dodge Grand Caravan Crew||$1,301|
|Honda Accord LX-S 2-Dr Coupe||$1,310|
|Ford Focus SES 2-Dr Coupe||$1,318|
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in specific zip code location which can affect prices noticeably.
By looking at the data, makes and models like the Ford Escape, Hyundai Elantra, Toyota Prius, and Honda CR-V are most likely to be some of the most budget-friendly vehicles to insure for veterans.
Locating budget auto insurance is challenging, and deciding which companies offer the most affordable auto insurance rates for retired military will require even more diligence. Every insurance provider uses a slightly different approach to determine premium rates, so let’s take a look at the most competitive auto insurance companies in California.
It’s important to know that California auto insurance rates are impacted by many factors which can substantially change the cost of a policy. This price fluctuation is why it is so important to shop around with many companies to get the cheapest auto insurance rates for retired military. Insurance prices are made up of many different factors and can change without notice, so the cheapest rate six months ago may now cost much more than other companies.
Find the Cheapest Car Insurance for Vets
|Rank||Company||Cost Per Year|
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USAA has some of the best car insurance rates in Fresno at around $1,109 per year. Wawanesa, CSAA, Nationwide, and Century National are also some of the most economical Fresno, CA insurance companies.
As shown in the rates above, if you buy coverage from Century National and switched to Wawanesa, you may realize savings of around $34. California drivers with 21st Century might save as much as $133 a year, and Grange policyholders might see rate reductions of $241 a year.
To see if your current coverage is too expensive, click here to begin a quote or feel free to get quotes from the companies below.
Remember that these policy prices are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact location for retired military. So the insurer that can offer the best rates for your situation may not even be in the list above. That illustrates why you need to get quotes using your own specific driver information and vehicle.
Insuring your vehicle with the best car insurance provider can be challenging considering how many choices there are in Fresno. The information shown next may help you pick which auto insurance companies to look at putting your business with.
The rankings below are for large, nationwide insurance companies, so companies that may only write in California are not taken into consideration for this list. To get price quotes from these companies and more, simply click here.
Top 10 Large Auto Insurers in Fresno Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Large Auto Insurers in Fresno Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Discount Fresno auto insurance
Insurance companies that offer cheap quotes for retired military could also offer rate discounts that can lower rates by as much as 35% or more if you qualify. A few popular companies and their possible discounts are included below.
- Progressive may offer discounts for multi-vehicle, good student, online signing, multi-policy, online quote discount, continuous coverage, and homeowner.
- Farmers Insurance discounts include teen driver, electronic funds transfer, business and professional, bundle discounts, and pay in full.
- Farm Bureau may include discounts for multi-vehicle, renewal discount, youthful driver, 55 and retired, safe driver, and multi-policy.
- State Farm includes discounts for good driver, Steer Clear safe driver discount, safe vehicle, multiple autos, accident-free, and multiple policy.
- GEICO may have discounts that include federal employee, multi-policy, five-year accident-free, emergency military deployment, air bags, and membership and employees.
- SAFECO has discounts for anti-lock brakes, drive less, bundle discounts, teen safety rewards, and homeowner.
- Liberty Mutual policyholders can earn discounts including multi-policy, new vehicle discount, good student, new graduate, and safety features.
The information below shows the comparison of car insurance rates with and without discounts applied to the policy rates. The prices are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, vehicle safety, multiple vehicle, homeowner, accident-free, and safe-driver discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for retired military is 28% or $662.
A good deal can quickly turn bad
Fresno auto insurance rates are impacted by many factors that can increase the policy premium. Simply having another birthday, becoming a homeowner, or getting a reckless driving citation can trigger rate changes that can now make some companies more affordable than competitors.
In addition, auto insurance companies change premium rates as often as every three months in order to maintain liquidity for claims. Higher than normal claims can cause rate increases, while less frequent claims can cause lower-cost Fresno car insurance rates.
To help illustrate this point, the bar chart below shows the company with the cheapest car insurance in Fresno, CA for a 40-year-old male driver with a good driving record, no prior claims, and good financial standing. When quoting prices based on his current risk factors, USAA may offer the lowest car insurance rates in Fresno at $1,290 per year. This is $361 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining top five cheapest Fresno, CA auto insurance companies.
The next chart shows rates after we give the driver from the above example a claim surcharge, poor credit, and a couple of points charged on his driving record. Since each auto insurance company has a proprietary method for determining prices, analyzing rate quotes most likely will result in a substantially altered list of companies as shown below.
Grange now has the best auto insurance rate in Fresno with Allstate, Mercury, Progressive, and GEICO also being competitive. This example demonstrates why it is important to shop around with many companies when trying to find the most economical car insurance quotes for retired military.
Prices can be altered by many factors and change dramatically, so the most affordable company when you bought your policy may now be one of the more expensive options.
If you like to have some advice when shopping for cheaper insurance for retired military, the professional agents shown below can provide answers to your questions and help you determine which car insurance policy is best. To locate an agency by location nearest to you, click the button following the list or click here to compare rates now.
- Van Beurden Insurance Services, Inc.
7676 N Palm Ave #106 – Fresno, CA 93711 – (559) 436-6655
- Nationwide Insurance: Maffei Ins and Fin Services
5633 W Figarden Dr Ste 104 – Fresno, CA 93722 – (559) 322-3355
- Rufino Paguio – State Farm Insurance Agent
5637 W Figarden Dr #108 – Fresno, CA 93722 – (559) 277-1903
- DiBuduo and DeFendis Insurance Brokers LLC
6873 N West Ave – Fresno, CA 93711 – (559) 432-0222