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Military Auto Insurance: Car Insurance for Military Personnel

Updated: February 23, 2018

People are always looking to save money on auto insurance. If you are a current or former military member, you have some good news on that front.

Military auto insurance is often cheaper than regular auto policies, because companies offer special discounts to military personnel.

As long as you can prove that you are or were a member of the United States military, you should have no problem getting these discounts.

The specific level of discount depends on your particular situation, the company offering a policy and the state where you reside.

Here is a look at some factors that can help you save even more money on military auto insurance.

What is Military Auto Insurance?

A lot of people are confused when we talk about military auto insurance. They think there is some special type of insurance for military or retired military personnel.

If you are currently in the United States Army, Navy, National Guard or Reserves, you are entitled to these discounts.

The truth is that retired military auto insurance is not that different from regular policies. In fact, car insurance for military people includes the same types of coverage as a regular auto insurance policy. The only difference is that military personnel get a discount.

If you are currently in the United States Army, Navy, National Guard or Reserves, you are entitled to these discounts. Not only do you get discounts for your own policy, but your family members may also get a discount on theirs.

These military car insurance discounts are not limited to active members. If you served in the military a few years ago, or ten years ago, you will always get a discount on your car insurance policy.

Some companies offer discounts of anywhere from 10 to 20 percent on your standard premium rates.

How to Save Money on Military Car Insurance?

Aside from the upfront discount that you will get for military car insurance, there are other ways to save money too. The first thing you can do is make sure you are getting all your insurance from one company.

There are also discounts on military auto insurance for people who are married, have a clean driving record and have not been involved in any accidents in the past few years.

For example, you may have three cars in your family. Do not insure them from three separate companies. Insurance providers offer discounts when you get more than one policy, which brings the overall rate down a great deal.

There are also discounts on military auto insurance for people who are married, have a clean driving record and have not been involved in any accidents in the past few years.

If you do not have the best driving record, you may not get those discounts right away. But you can start driving more cautiously and ensure your premiums on military car insurance will go down over the next few years.

Military personnel who are going back to school can also get a discount if they maintain good grades. Typically, insurance providers offer discounts if you get a B average in your classes or more during a particular semester.

Who Offers Military Auto Insurance?

There are many different companies that offer military auto insurance. If there is a major auto insurance company that provides insurance in the United States, they will offer discounts for military personnel. This applies to companies such as Geico, Progressive and All State.

This comparison will not only show you where you are getting the most discounts, but it enables you to see whether policies with a similar price are giving you similar levels of coverage.

The specific levels of insurance discounts offered by these companies will vary from one state to another. It is very important to do a thorough comparison of the military car insurance policies you are offered from all major companies in your area.

This comparison will not only show you where you are getting the most discounts, but it enables you to see whether policies with a similar price are giving you similar levels of coverage.

Some companies offer good discounts on car insurance for military people, but their levels of coverage are mediocre.

As an example of the discounts offered for military car insurance, we can see that Geico advertises a roughly 15 percent discount for people who are currently associated with the military. This discount also applies to retired military auto insurance.

What Type of Military Auto Insurance to Get?

Even though military auto insurance comes with special rates and perks, the bulk of the policies are very similar to regular auto insurance.

The type of policy you get for military car insurance depends on how often you drive, the value of your car and how much you can afford in terms of insurance premiums.

In fact, all military auto insurance policies are made up of the same three main parts as a normal car insurance policy: liability, comprehensive and collision coverage. Military individuals who reside in fault insurance states will have to get liability insurance as it is required by the law.

However, collision and comprehensive coverage are optional. But if you want to get protection for your vehicle in the event that you cause a car accident, you will want to get collision coverage.

And if you want to make sure your car is protected while it is parked, get comprehensive coverage too. This coverage protects against theft, natural disasters, accidents and vandalism that occur while the car is stationary and not on the road.

The type of policy you get for military car insurance depends on how often you drive, the value of your car and how much you can afford in terms of insurance premiums.

Shop Around for Military Auto Insurance

Shopping around for military car insurance is the advice you should give someone regardless of whether they have a current policy.

The best way to save money in the long-term is to shop around for military auto insurance every one or two years.

It is absolutely necessary to shop around when you are first getting military car insurance. But even if you have a policy that pleases you, it is a good idea to look at the different options from your provider’s competitors.

The best way to save money in the long-term is to shop around for military auto insurance every one or two years. This not only keeps your current company on its toes, but it gives you access to special discounts and low rates from other companies who want your business.

With the military discount coupled with the discount of switching providers, you can save a lot of money in this manner.

Shopping around for a new policy will also give you a better idea of the levels of coverage being offered by different providers in your state. This knowledge helps you make an informed decision about the policy you ultimately secure.