How to get Military Auto Insurance coverage
The United States Military has a number of benefits for its members. Members of the military can enjoy everything from paid tuition and free housing to special military auto insurance. The major difference between military auto insurance and regular auto insurance is that higher discount amounts are offered to service members than to the regular population.
Military auto insurance offers special rates or discounts for active duty military drivers, veterans of all ages, and in some cases, children of active members or veterans. In addition, military auto insurance companies may make special considerations, such as suspension of all or part of your coverage during an extended deployment.
Military auto insurance for active duty military drivers offers some of the biggest discounts in the industry. Depending on the auto insurance carrier, full-time service members may be offered up to 50% or more off regular insurance rates -- one of the major perks of being an active full-time service member. Veterans may also receive hefty discounts (up to 50%), and children of veterans or active service members may receive discounts of up to 10% or more off standard auto insurance rates.
Although military auto insurance offers bigger discounts than standard insurance policies, it is still similar to standard auto insurance in several ways. Coverages are the same and include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments, and personal injury protection coverage. On top of military discounts, service members and veterans may also qualify for some of the same discounts as non-service members. These include: premier driver discounts, defensive driving discounts, annual mileage discounts, anti-theft system discounts, new vehicle discounts, and multiple vehicle discounts.
Just about every major insurance carrier has special considerations for military service members and veterans. So, if you are an active service member, veteran or child of an active service member or veteran and you want to purchase military auto insurance, simply contact any major insurance carrier and inquire about their military auto insurance program.
Getting the best deal on military auto insurance and finding the most reliable insurance company can be easy if you know what to do and where to look. Just contact the major insurance companies and inquire about their military auto insurance program. Next, request quotes either online or by phone, then compare the rates. And finally, do a background check on your finds. The National Association of Insurance Commissioners (NAIC) offers information regarding complaints about any given insurance company. You may call the NAIC switchboard between the hours of 8 a.m.-5 p.m. CST Monday-Friday at 816-842-3600 or visit the website at www.naic.org.
