Military Auto Insurance

Auto Insurance for Military

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Saving on Premiums with Military Auto Insurance

Saving on Premiums with Military Auto Insurance

When it comes to military auto insurance, you should know about the types of policies available and the discounts you could be getting. In order to be a smart consumer and smart driver, it is always a good idea to get all of the coverage you want, not just the minimum that you need. By comparing military auto insurance quotes you can rest assured you are getting the best deals possible.

You will probably find you can get better coverage than you currently have but for the same price if not less. Of course, the best way to do that is to find out what your options are for coverage and then you can determine what you need. There is no reason to settle when it comes to having the most auto insurance policy coverage you want to keep you protected on the road.

Why Go with Military Auto Insurance Saving on Premiums with Military Auto Insurance

If you are currently serving your country in any branch of the United States military, you deserve to be able to take advantage of rates that will save you money. Even if you have retired from active duty, you can get the discounted premiums for car insurance you deserve. First you should keep in mind some of the factors that can influence the cost of insurance policies.

  • The state that you live in, the zip code you call home, and even where you park the car at night. Obviously the safer the area, the lower the premium costs. Not to mention if you can keep the vehicle inside a garage as opposed to outside where it can be protected from the elements and theft, you could save even more.
  • Your age and how long you have been driving. As you probably realize when you compare military auto insurance quotes, the better your driving record is  the better your rates will be. Avoiding any serious infractions or anything that could get you classified as a “high risk” will help you save money.
  • If you are financing a car, the lender will have an impact on what type of insurance and coverage you have to carry. The good news is that military auto insurance will help you save money on your premiums. Keep in mind certain types of loans for certain types of cars will ultimately influence the cost of your monthly rates. Brand new cars and sports cars can cause your rates to be higher than other types of vehicles.
  • The amount of your deductible and down payment will also alter your premium prices. The higher the deductible, the lower your premiums with military car insurance. Starting most new auto insurance policies requires a down payment. This can be made at once, up front or divided up and tacked on to your monthly premiums. Whenever possible make the down payment up front, and your military auto insurance rates will be lower.
  • Another way to get to better savings is to make annual or quarterly payments instead of monthly ones. There are generally great savings if you make your payments annually or quarterly instead of monthly.

Ready to Make the Change?

Even if you currently have auto insurance, you should be checking every time you renew your current policy. Even if you already have military auto insurance rates, doing a regular comparison may help you find better deals. Also, if you are willing to convert your other types of insurance policies to one company you could also save money.

For example if you include your home owners, renters, life, boat, motorcycle or other types of insurance with your auto insurance, you could end up seeing great savings for all of these combined and bundled to one policy provider. Not only will it save you money, it will save you time, energy and confusion. Being able to make all of your insurance payments at one time to one company simplifies your life.

Who Qualifies?

Some drivers wonder if they can even qualify to save with military car insurance. Before getting your military auto insurance quotes, you can check with companies to see if you do qualify. Some common drivers who can benefit from military auto insurance rates include:

  • Active or retired navy, army or air force service men or women
  • Members of the national guard
  • Spouse of military member
  • Other family members of active or retired military service men or women

The best way to find out if you qualify for coverage is to get your military auto insurance quotes. Get started now with nothing more than your zip code and start finding out how to save on your premiums right away.

Things You Should Know about Military Auto Insurance

Things You Should Know about Military Auto Insurance

Though it may only be a small compensation, getting discounts for your military auto insurance is one thing you are entitled to as a military serviceman or woman. Whether you are currently listed as active duty, have been honorably discharged or are retired, you will find many insurance providers offer discounted rates so you can save money on your monthly premiums. There are, however, some things even the insurance providers cannot work around that can impact the cost of your military car insurance rates.

Factors That Impact Military Auto Insurance Quotes Things You Should Know about Military Auto Insurance

Whether you are in the service or have been, there are some things that are standard when it comes to getting your military auto insurance quotes. These are things that servicemen and women would have to contend with for their rates the same as civilians would.

These include details such as:

  • Your age and how long you have been driving legally. Not only that, but how clean your record is for the years you have been driving. Even for military car insurance quotes, rates and policies, the cleaner your driving record the lower your premiums. Keep in mind if you do end up getting any type of ticket or infraction, find out if you can take a driving course to have this take off your record.
  • The car you drive and where you keep it at night. That’s right, even where you park your car at night can have an impact on your car insurance rates. If you live on base, this will help you save money on your military auto insurance rates, especially if you are able to keep your vehicle in a garage and protected from the elements. The condition of the car and whether or not you have it financed also has a lot to do with what your insurance premiums will be.
  • Your zip code also helps determine what you will be looking at for costs when it comes to your monthly insurance premiums. Each state has different regulations, guidelines and minimum amounts of required coverage. The state you live in will determine whether you must have a certain amount of liability coverage, must carry no fault insurance or if there are other stipulations that will impact your car insurance for military personnel.

Types of Car Insurance for Military Personnel

Like for civilians, there are different options when it comes to auto insurance for military servicemen and women. So, you need to know what the different types of insurance are available for you as a driver.

Liability – This is the most basic coverage states require drivers to have to be behind the wheel of a car legally. All states except New Hampshire require this type of policy, even for military auto insurance. The minimum amounts vary from state to state, but this is usually the very least you will need to have. It covers the driver, passengers and property of someone you hit but none of your own expenses.

No Fault – This type of coverage is required by 12 states at this time, so may need to be part of your car insurance for military personnel coverage. A no fault policy is meant to cover the policy holder in the event of an accident regardless of who is at fault. The purpose of this is to avoid the need for expensive and time-consuming lawsuits to try to recoup costs. This also ensures that all persons involved with injuries receive immediate treatment without waiting to verify the responsible party.

Collision – Collision insurance covers just the expenses involved if you have a collision with another car. In some cases the policy will only cover damage caused by an accident with another car, so if you hit a structure, tree or other object you would still be liable for your own expenses. If you are considering collision, when getting your military auto insurance quotes, ask what types of accidents are covered.

Comprehensive – Comprehensive insurance fills in lapses where your other policies may be lacking. So while your collision for military auto insurance may not cover fire, storm damage or damage caused by an “act of God”, your comprehensive policy probably will. This is the best way to also protect against things such as damage caused by vandalism or loss and lack of recovery due to theft.

Getting military car insurance doesn’t have to be a hassle, especially when you leave the hard work to someone else. Just provide us with your zip code and you can get your military auto insurance quotes and start saving money on car insurance today.