Best Military Car Insurance

How to get a military discount on car insurance

Few offer more to their country than to those who serve in the army. That is why car insurance companies provide the cheapest car insurance for people in the military. For many companies, this is the best way to repay them for their services. Many car insurance companies are seeking to give back to our nation's veterans through competitive compensation choices and expansive discounts around the country. But how are you going to start seeking a car insurance provider that has veterans in mind? After all, the transition back to civilian life after active service can be an exhausting process—so shopping for cheap car insurance would be the last thing on your mind.

You can visit Way.com to alleviate your concerns. We have a robust database when it comes to car insurance for military families. You can browse insurers and look for cheap car insurance quotes side-by-side in real-time. With all this information at your fingertips, you can easily find the best car insurance policy at the right price for you.

Military Car Insurance

If you thought auto insurance schemes are complicated, wait until you hear about military car insurance schemes. From unique scenarios like Permanent Change of Stations (PCS), extended durations of vehicle storages, and emergency deployment, everything is different when it comes to military car insurance schemes. However, different insurance companies out there are competing against each other, and even the smallest edge on insurance schemes can bring a significant boost in outperforming the competition. With more than 20 million active military personnel, and veterans in the country, military car insurance has a broad scope for car insurance companies to cash in. There are plenty of leading companies out there that provide affordable military car insurance schemes at low rates.

Decoding Military Car Insurances

If you are active military personnel or a veteran eligible for military car insurance but unsure how military car insurances work, worry no more! We have you covered. Almost all car insurance companies that provide military car insurance schemes are well aware of the nature of duty active military personnel would be exposed to. Everything from emergency deployment overseas to sudden PCS changes is all covered in military car insurance policies, making it hassle-free in the event of an immediate change. There are also clauses in military car insurance deals to help you suspend or cancel coverages entirely. If you are an active military personnel who is unsure about the military car insurance scheme, contact your insurance agent or insurance company and get a clear picture before committing to the deal.

What are Military Discounts

Military men and women (active, veterans, and national guards) have the privilege of several reservations and special reservations. Several auto insurance companies also provide value added benefits, exclusively for military personnel. These value-added benefits can be anything from special discount rates ranging from 15% to 20% to reduced rates for storing cars while away on active duty. The discount rates offered by different companies do tend to vary from one another. Military car insurance schemes also let you save more money, based on where you save your car. For instance, if you have your car stored in a military-based instead of an ordinary storage facility, you get to enjoy an even greater discount rate than usual. There are also several organization-specific military discounts.

What about Non-Military Discounts

One of the most asked questions regarding military car insurance schemes has to be about non-military discounts. All general discounts offered by car insurance companies like low-annual mileage discounts and good driving record discounts are also available for military personnel. While military car insurances provide added benefits to uniformed men and women, it does not take away any general discounts and savings you would get otherwise. Make sure to apply for all general discounts and top it off with your military discounts to get the maximum benefit of your military car insurance policy.

How to Get the Best Deal for Military Car Insurance

Just like any car insurance deals, getting the maximum profit from your car insurance policy is not as difficult as you would think. All you need to do is plan in advance and ensure that only the insurance schemes you need are included in your policy. In most scenarios, military car insurance schemes usually feature extra value-added benefits from the standard insurance policies. In addition to going for military insurance policies, you will still be required to have insurance schemes like liability coverages as an extra. Legally, you need to have liability coverage to be eligible for driving on public roads. You can opt for additional protection covers like comprehensive insurance coverage and collision coverage if you want access to more security features in your military car insurance scheme. The idea to access the best military car insurance scheme is to only spend money on car insurance policies that you require. If your car is older than ten years, having collision coverage does not offer many benefits. However, by removing collision coverage from your military car insurance policy, you can save anywhere from $100 - $300 every year.

Tips to Save Money on Military Car Insurance

Ready to invest in military car insurance, but wondering if it’s possible to save more money or not? Here are some easy tips to help you save more on military car insurance:

Here are some tips for saving money on military car insurance:

• If you are on active military duty and get deployed abroad or away from home, consider canceling collision coverage. Many car insurance companies that offer military car insurance are ok with canceling collision coverages for people who won’t drive for more than 30 days.
• Having a higher deductible on collision and comprehensive insurance coverage lets you save more money on premiums. When you have the highest deductibles that you can afford, you will get access to some of the lowest military car insurance premiums.
• If you are active military personnel, economically, it would best to go for a car that costs less to insure. You would not be driving regularly, and the last thing you need is to be overspending money without any reason for car insurance. Luxury and sports cars that cost more will also have higher insurance costs, making the insurance package, even with the military car insurance benefits, a lot more expensive.
• If you have a teenage driver in your family, make sure to go for a family policy instead of a separate insurance policy. Insuring a teenage driver on your family policy lets you save more money. Teenagers who have an excellent academic record, have successfully passed a driver training course, or don't smoke are eligible for added benefits and discounts.
• Combining your military car insurance policy with the same insurance company as all your other insurance policies are registered lets you save lots of money. Check with your insurance agent or company if they offer military car insurance schemes. Bundled policies insured with the same company will offer much-lowered rates than individual military car insurance policies.

Remember to Ask About These Insurance Discounts

Car insurance companies offer many discounts that let you save big on car insurance. While most insurance agents and companies provide you with details about the insurance schemes you are eligible for, it is always best to take time off to see if any of these discount options are applicable for you:

• Maintaining a Good Driving Record - Insurance companies are happy with clients who keep a good driving record for three years or more (no accidents or moving violations). This can also translate into better negotiations and, eventually, lower premiums.
• Low Annual Mileage - You don’t need to worry about insurance claims if you don’t drive at all, right? Absolutely not!! However, insurance companies think otherwise and consider cars that have lower annual mileage as safer. As soldiers on active duty spend more time on the field than at home, most of the military car insurance policies can be topped up with low annual mileage discounts. To get the most out of your military car insurance policy, it is a good idea to insure more cars of your family with the same insurance company that offers your military car insurance. Having multiple vehicles insured by the same agent or insurance company can save you anywhere from 15-20 percent discounts.
• Installing antitheft devices on your car - Another easy way to top off your military car insurance scheme with discounts is by upgrading your car with antitheft devices like wheel locks, alarm systems, hood locks, and ignition protection devices.
• Being a nonsmoker - Smoking is injurious to health, and car insurance companies consider smoking a severe risk to your well-being. If you are a non-smoking driver, you can receive discounts on liability, medical benefits, and collision.
• Having a college-going student - Military personnel tends to frequently relocate from one place to another because of their job requirement. This could result in having children studying at schools or colleges located more than 100 miles away. Some insurers provide plenty of discounts to parents in such scenarios, so make sure to check this out with your insurer before finalizing your military car insurance.
• Installing safety devices - Upgrading your car’s safety devices like automatic seat belts and airbags will help you save money on car insurance with attractive discounts. The discount rate can range anywhere from 10 – 30% in different coverage schemes like medical and collision coverages. States like Florida, New Jersey, and New York require insurers to give discounts for cars equipped with antilock brakes. The safety devices also reduce risks of injury in the events of an accident, making it a win-win option to go for.
• Brand Loyalty – Some insurance companies provide plenty of exclusive discounts for long time customers. Brand loyalty goes a long way in car insurance, and almost all major insurance companies reward such long-time customers with different types of rewards and money-saving programs.

Do Veterans Get a Discount on Car Insurance

Yes. Veterans and active military personnel are both eligible for the same discounts offered by car insurance companies that provide military car insurance policies. There are approximately 1.5 million active soldiers in the different branches of the United States military and more than 20 million military veterans. Both active military members and retired veterans share similar concerns and requirements. Companies like USAA who have dedicated military car insurance schemes, have been leading the way with exclusive schemes for veterans and active military members. However, leading car insurance companies like State Farm Nationwide, and Liberty Mutual all have plenty of affordable military car insurance schemes. You can also check out Armed Forces Insurance (AFI) who is dedicated to provide an array of insurance policies for active military members and retired military veterans.

10 Best Auto Insurance Companies that Provide Best Car Insurance for Military

When it comes to best car insurance for military, it goes without saying that USAA is the runaway winner, with the Armed Forces Insurance providing the best overall insurance schemes for active military members and veterans. As the car insurance industry is competitive and with a wide range of customers, which amounts to around 23 million people in the US alone, more companies are in the fray. Let’s look at the ten best auto insurance companies that provide military car insurance deals at affordable rates. Please note that the list is not ranked in any way.

• USAA
• All State
• Travelers
• State Farm
• Nationwide
• Farmers
• American Family
• Armed Forces Insurance
• Arbella

United Services Automobile Association (USAA) is considered one of the country's best military car insurance companies. USAA is a popular choice for military members on active duty and veterans mainly because they provide one of the lowest annual rates than other leading insurance companies that offer military car insurance. The highlights of USAA's military car insurance policy has to be the 15% discount they offer for active soldiers who store their vehicles on a military base. USAA also provides a 60% discount on monthly premium when a soldier is deployed overseas with his vehicle parked in the military storage.

Military Car Insurance FAQ

All You Need to Know About Military Car Insurance

While it sounds different from ordinary car insurances, military car insurances are ordinary car insurances with a bit more value-added services at similar rates. As an active member of the US military, veterans and soldiers on duty typically spend less time driving around their cars than citizens not associated with the US armed forces do. There will also be instances of deployment abroad, which will require the military members to put their vehicles at storage. Military storages are like vaults, and the probability of having to claim insurance for a car stored at military storages are minimal to none. If you have access to military car insurance, there are options to get discounts of up to 60% on auto insurances when deployed overseas, which can save you lots of money. There are many more similar benefits, which makes military car insurance a necessity for all active and retired military personnel.

Are there different military car insurance schemes based on military branches?

Yes. Members of different military branches like the US Army, Navy, Air Force, Marines, Coast Guard, and National Guard all have different discounts and value-added benefits for military car insurance schemes. For instance, you might be deployed overseas or at home when you are in the US Army, whereas those in the Navy will spend a reasonable amount of time at sea. The same also applies to military men who serve in the US Air Force.

What are the benefits of having a Military Car Insurance?

The main advantage of having military car insurance is the flexibility they have on offer. Auto insurance deals are long term investments which are usually paid as monthly or yearly installments. While ordinary citizens require vehicles regularly, the nature of military service is such that you are bound to spend more time away from your cars. There will also be the foreign and emergency deployment scenarios, which will require you to have your car parked in storage for extended durations. Since insurance schemes are not necessary when your car’s in storage, you would want to either suspend or cancel your auto insurance coverage during this time. Having access to military car insurance in such a scenario ensures that you have the option to suspend or cancel your car insurance coverage without any hassles. Insurance companies that offer military car insurance are willing to change or policies as required when it comes to unexpected changes like emergency deployment.

Having access to military car insurance coverage also comes with extra value-added benefits like storage coverages, non-use registration benefits, and of course, exclusive discount rates.

• Storage coverage – When you are deployed abroad or far away from your base, you would need to have to consider putting your car into military or non-military storage. If your military car insurance deal comes with storage coverage options, you can remove all other coverage options like liability and collision coverage. Ideally, you only require comprehensive coverage as it will help you protect your car if your car is vandalized, damaged by weather, or stolen. Having storage coverage active also lets you enjoy lowered premium rates with reduced rates of up to 90% off. However, the best feature of having access to storage coverage has to be the feature of continuous coverage, which lets you technically have car insurance without having a lapse or gap in your insurance policy even when you are not available.
• Non-use registration – If you are going into an extended deployment overseas or far from home and unsure about what to do with your military car insurance policy, it would be a good idea to go for non-use registration. All car insurance companies that offer military car insurance would suggest you file an affidavit of non-use with your state department of motor vehicles. As you will not be available to renew your insurance policy or registration when its validity expires, having access to this affidavit lets you maintain registration on a vehicle that is not in use or have liability coverage insured. The only thing you need to look out for is to have proper storage for your car. Both the insurance company and DMV require you to safely store your vehicle in an appropriate space of storage to enjoy non-use registration benefits. 

How to Save Money on Military Car Insurance ?

Just like any other car insurance scheme out there, you have the option to save even more when it comes to military car insurance schemes. The main thing you need to look out for when it comes to military car insurance is to understand the auto insurance company you choose. As military deployment, PCS changes, and emergency deployments are all unpredictable, and you need a line of clear communication between yourself and the insurer. This will help you choose the best insurance schemes and save you the most money. Storage coverage and non-use registration can be complex to understand, and this could become even more difficult when you only have little time to spare on your hand. Having a good relationship and communication with your insurer can help you pick out the right deal without sweating much. Here are some more tips to save money on military car insurance

• Finalize your military car insurance after proper research: While USAA is the favorite for military car insurance, they are not the only two brands that offer military car insurance schemes. Many more big and small insurance companies also offer military car insurance and may even provide better deals for active military members and veterans. Always spend time on research, and fix a policy afterward.
• Check with your insurer about multi-policy discounts: Multi-policy insurance discounts are often not explored in detail, but on closer observation, you will realize that you can save the most by going for multi-policy discounts. If the company you chose offers life insurance along with your military car insurance, take both, and save money.
• Update your military car insurance policy as required: The auto insurance industry is quite active, and insurers are always on the move looking for a competitive edge. Before renewing your expired car insurance, it is a good idea to check the various military insurance quotes and see if the one you choose is the absolute perfect choice.