Qualifying for Military Auto Insurance Discounts

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Qualifying for Military Auto Insurance Discounts

Are you aware that you may be able to receive a discount on your auto insurance if you are a U.S. service member? These discounts are not available to the general public, and many service men and women don’t even realize they exist.

If you’re enlisted in a branch of the military and take advantage of this discount, you can save hundreds of your hard-earned dollars every single year. You should also note that you can receive an even higher discount if you are deployed to an area that makes you eligible to receive imminent danger pay. That’s why it’s important to discuss your situation with the agent at your insurance company.

Qualifying for A Military Auto Insurance Discount

Check to see if you meet any of the following criteria. If so, you may be eligible to receive discounts when you purchase a military auto insurance policy.

Are you:

Retired Military
Reserve
Officer Candidate
Member of the active-duty force
National Guard
Spouse, Former Spouse or Adult Child of a Military Service Member
You will need to maintain continuous insurance coverage if you want to take advantage of the lower rates. Therefore, it could be a problem if you are a member of the military who is assigned overseas for a period of 6 months, one year or longer. Make sure to discuss your situation with your insurance agent to verify if you are eligible to receive any of the relevant military auto discounts.
Additional Considerations for Military Auto Insurance
If you are a service member, you may decide to cancel your military auto insurance and store your vehicle while you are away on duty. Unfortunately, you may have to pay the higher rate or be denied insurance coverage when you return and attempt to reinstate your former insurance policy. The National Association of Professional Insurance Agents has requested a change is this policy for any returning troops. Therefore, at least half of the states currently do not permit insurance companies to penalize any military personnel who are on active duty.

If you happen to live in one of the states where insurance providers continue to deny coverage or raise insurance rates, you can store your vehicle as long as nobody else will use it while you are deployed. Make sure you verify if you have to receive approval for your storage protection plan to quality for your military auto insurance discount. Some insurance companies require military clients to provide them with the address where the vehicle is stored as well as an odometer reading showing the mileage.

Even if you are storing your vehicle and have canceled your liability insurance, you can retain your comprehensive storage. This will protect you in case your vehicle is ever stolen or vandalized. You won’t end up with a coverage lapse and you may be eligible to save on the cost of your comprehensive coverage while your vehicle is being stored. As soon as you return to use your vehicle again, you can reinstate your liability coverage. You should also be aware the certain insurance companies enable their military clients to pay their auto insurance payments on a schedule that is more convenient to you.

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