Car Insurance Discounts for Military Personnel

For military personnel car insurance discounts can offer substantial savings. Many insurers make provisions for military car insurance that are available to active duty, retired and even reserve military personnel. If you are in the military, be sure to look into your auto insurance options. Whether you are slated for deployment or not, there are car insurance discounts out there for which you are eligible.

Military Insurance

Many auto insurance companies offer coverage specifically for military personnel, whether on active duty or retired. GEICO and USAA were 2 of the first insurers to give discounts for military personnel. The business of car insurance for military personnel certainly is not limited to these companies today. Discounts are available for military personnel because they and their families are considered a special case scenario. Because of deployment and frequent moving around, military personnel and their families would be penalized and charged higher rates if they had no special provisions.

In the past, if military personnel were deployed overseas, they often chose to discontinue their coverage. This showed up as a gap in car insurance, and they lost their military discount as a result. Nowadays companies will usually give a waiver to a member of the armed forces, letting them maintain their discount.

Emergency Deployment Discount

If you are being deployed to an area of the world considered extremely dangerous by the Department of Defense and have your vehicle stored in an approved storage facility, you are eligible for the emergency deployment discount. Check with your insurer to determine if they offer this discount. Other military discounts some insurers offer to members of professional military associations such as the AFSA, AUSA, etc. Again, check with the insurance company to learn the exact details.

Comparison Shopping

Whether you are in the military or not, it is your responsibility to shop around for the best rates possible. For military members, there are resources you can turn to that will offer advice for insurance options. Commanding officers, for instance, may be able to lead you in the right direction. Otherwise, the Internet is a great resource for finding favorable car insurance rates. Start with a company with whom you have insured in the past. Be sure to tell them of your active duty, retired or reserve status and inquire about all the possible discounts for which you may be eligible. After receiving the first quote, don’t stop there. Check with several competitors, for you might find an even better deal elsewhere. With a little initiative you will find the best rates for your situation.

Car insurance companies show their appreciation to members of the armed forces by offering military discounts to active duty, retired and reserve military personnel and their families. The discounts will vary from company to company, but if you shop around, you will find one that is favorable and works for your budget and situation.