Finding the Best Car Insurance for Military Members
For those men and women who have worked hard and put their life on the line to serve their country, getting discounts on different things is one of the rights they have earned. When you need to protect yourself as a driver, getting the best car insurance for military personnel is a smart choice to make. It is great to know that it is possible to find discounts for your auto insurance policy.
Some of what you are looking for depends on what you need for your individual auto coverage. Whether you are active duty or retired, you can still find the best car insurance for military personnel and great discount rates. Whatever the case may be, don’t settle for full cost when you have earned your right to cheap car insurance for military members.
What to Look for
What to look for depends on what you need. Much of what you get within your car insurance policy depends on your current situation. For instance:
- If you have recently financed or leased a vehicle, there are certain types of auto insurance policies you may need. Additionally, there may be others you want to add to make sure you are fully covered. For example, you may want a gap policy as part of the best car insurance for military coverage. Gap coverage is usually for financed cars that are valued at less than the loan amount. When you drive the new car off the lot, your loan is greater than the value of the car. If you wreck and total the car or the vehicle is stolen, your standard insurance will not cover this price difference and it would be yours to pay out of pocket. Military car insurance for this gap would help prevent that.
- If you are concerned about damage to your car other than through a collision, then you will probably want to add comprehensive as part of your military auto insurance. Comprehensive coverage picks up where policies such as collision leave holes. If you want protection against storms, fire, acts of God, theft or other problems aside from collision, then comprehensive would be best for you.
- If you want the most basic coverage possible, check with the guidelines of your state. Most states require either minimum liability or no fault policies. It is important to meet the state requirements of your state at the very least. If your car is not valued at enough to be worth full coverage, then liability may be the best bet for you.
Make the most of your military service by getting discounts when you can. Cheap military car insurance is one of the many ways you can see better rewards from your enlisted time.
Getting military car insurance quotes is one of the easiest ways to find the savings you deserve. Get started right away is as simple as entering your zip code and getting competitive rates from policy providers.
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
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.
