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Old 04-15-2012, 01:23 PM   #1
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Cheapest car insurance?

Looking for the cheapest car insurance for jeeps. Currently I'm paying 160 a month thru usaa for full coverage (as its not paid off yet). Im 22 with a clean driving record. Also active duty military if that would bring a discount. Thanks!

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Old 04-15-2012, 03:45 PM   #2
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You probably won't find anything cheaper than USAA for a member of the military. I have USAA (Army) and I haven't found a better insurance company for MY needs.

And my name is Jordan too...

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Old 04-17-2012, 05:16 AM   #3
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If you have to get a DIC (Driver Improvement Card) to drive on base, mention it to USAA. You may get a discount - I did with GEICO.

If you don't have to get one mandatory, look to see what driver courses your camp/base/station offers for something voluntary and see what training you can get free from the military that will reduce your insurance costs.
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Old 04-17-2012, 07:00 AM   #4
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I have been with USAA for 49 years now. You won't find a better Company.
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Old 04-18-2012, 07:16 AM   #5
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You won't beat USAA.
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Old 04-18-2012, 08:41 AM   #6
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Another vote for USAA. Even if you can find cheaper you can't beat their customer service.
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Old 04-18-2012, 02:02 PM   #7
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Another vote for USAA.

I had a guy (who's wife works with my wife) ask if he could do a quote for us. He asked first who we were with and I told him USAA. He said, "Never mind. There is no way I can beat them."

Enough said. I've been with them for 20 years and my dad when he was in the AF in the 70s. They are top notch. The AF even encouraged us to join with them when I went through BMT.
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Old 04-18-2012, 02:49 PM   #8
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I am prior military and geico was way cheaper than USAA.
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Old 04-19-2012, 12:09 AM   #9
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Looks like I'll be staying with usaa for a while then. Haha just looking for the easy way out so I can buy more keep stuff
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Old 04-19-2012, 07:25 AM   #10
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Quote:
Originally Posted by Jordan2 View Post
Looks like I'll be staying with usaa for a while then. Haha just looking for the easy way out so I can buy more keep stuff
USAA is good, but give Gieco a look too. I've got my JK through it and I only pay $280 per half. Which isn't bad for a 22 year old considering where all demonized, accident-prone, speed-mongers. Really good services, and I'm fully covered in every aspect.

Just my $0.02
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Old 04-19-2012, 09:43 AM   #11
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USAA is a pleasure to deal with, they are not always the cheapest.

"Cheapest Insurance" really is subjective the same level of coverage can very by state, driving habits, incentives etc. Really the only way to get the cheapest rates for you specifially is to start calling agencies and see what they will offer.
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Old 04-19-2012, 10:58 AM   #12
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First of all, thank you for your dedication to the good old USA...

I am with Liberty Mutual, pay 130/month for full coverage on 3 vehicles + 1 with liablity only. They also have my home owners, so that reduces it as well. Age is another thing, just about any insurance company is going to roally screw you until you make it past 25, then it is just a simple screwing. It never hurts to call around and call your USAA agent... tell them you are shopping around and if you have never filed a claim they may be willing to work with you just to keep you as a customer.
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Old 04-19-2012, 11:09 AM   #13
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I'm active duty, 26, horrible driving record (use to have a heavy right foot), and pay $117 for full coverage through Progressive... and I'm in Michigan which is a "no fault" state... meaning rates are much higher.

PS. I also have homeowners through Progressive which might help a smidge and I've been with them for 4 years now.
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Old 04-19-2012, 02:47 PM   #14
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I've got Progressive and I pay $85/1month. I've got a clean record for the last 5 years or more but did have a suspended license on my record when I first got Progressive.

I'm 28 years old, one vehicle (JK 2010) with medium coverage in MN (no fault state). There was no break given at age 26, just a myth in my opinion.

I would just shop it around. It's very easy to do that these days. Damn insurance commercials seems to rival food and car commercials these days. Which to me means they want your money really bad which could lead to some wiggle room in pricing.
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Old 04-19-2012, 03:16 PM   #15
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Pay your junk off. Drop full coverage and keep liability and un-insured motorist. Don't drive like an idiot, and you'll be thousands ahead.
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Old 04-19-2012, 09:28 PM   #16
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full coverage on a 2010 JK and a 92 Dodge ram van, 3 drivers including a 16 year old kid, uninsured motorist, amazing customer service and a $50 deductable at $300/mo with USAA in west TX.
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Old 04-19-2012, 10:50 PM   #17
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Quote:
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Pay your junk off. Drop full coverage and keep liability and un-insured motorist. Don't drive like an idiot, and you'll be thousands ahead.
You mind paying it off for me? Still got 6 grand on it. Haha I'm workin hard on it
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Old 04-26-2012, 12:10 AM   #18
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The cheapest option would be to add yourself onto an older family members’ policy. You can look into AARP online discount auto insurance and find someone in your family who meets the required age and add yourself to their policy….it sounds a little too thrifty but if you’re in that tight spot, there aren’t a lot of other options.

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