Cheap Military Auto Insurance Rates - How to Find Military Car Insurance Discounts Online

Some insurance companies are offering military car insurance at a discounted rate to all armed forces personnel, including the National Guard. These insurance companies recognize the sacrifice and dedication of the men and women serving this country, and it's their way of showing their appreciation.

These insurers offer a lot of discounts for various military personnel needs, including coverage. In most cases, the military car insurance is being offered to all active and retired military personnel, as well as their families.

USAA, is on the leading edge of providing military car insurance. The company is structured to just serve the needs of the men and women serving in the armed forces. If you become a member of USAA, you and your family can expect to save up to $600 per year for military car insurance. They also offer accident forgiveness. If you are accident free for at least 5 years after purchasing one of their policies, your military car insurance premium will not increase if you have one at-fault accident.

USAA also utilizes 2,300 repair locations nationwide to guarantee repairs will be completed in a timely manner. All of their services, including claims, can be accessed online. They also have a lot of other products and services available to assist service men and women of the armed forces.

GEICO Insurance Company also has a military car insurance program that they offer to all active and retired armed forces personnel and their families. With GEICO you could expect to save somewhere between 2 to 15 percent off your military car insurance. The military car insurance discount is available in all states except Georgia, Indiana, Massachusetts, Michigan, Mississippi, New Jersey, New Mexico, Tennessee, and Texas.

GEICO also allows you to drop all coverage except comprehensive if you are shipped out overseas and plan to put your car in storage. Additionally, if you are deployed to Iraq, Afghanistan, or any other area you receive hostile-fire pay, you can save up to 25% on your military car insurance while your car is in storage.

The Military Assistance team at GEICO is comprised of retired and former military members. They can help you understand and choose the correct military car insurance based upon your needs.

Other car insurance companies, such as Esurance, don't offer a military car discount on your premium, but allow you to cancel your current coverage, without penalty, if the car is going to be in storage while you are overseas. When you return, you can reactivate your policy and Esurance will waive any penalties you might have incurred.

Some cheap car insurance companies will offer great rates but really only offer significant military savings if you are deployed into a hostile-fire zone if your car is stored under one of their approved storage plans.

If you're searching for a good military car insurance program, do some research online, then phone the companies you are interested in. Ask a lot of questions. Don't just take the cheapest rate without knowing the full details and all the benefits you may or may not receive.

Find the best deal for your individual situation and a military car insurance company that you feel comfortable working with. Look for good customer service, online payment and claims filing, as well as how well each company communicates with you.

Military Personnel, Are You Getting Discounted Auto Insurance?

Getting the best auto insurance rates are difficult, but getting the best auto insurance rates for military personnel can be exceptionally tricky. Most insurance companies require that continuous coverage be maintained for a period of six months or more in order to receive the best rates. This is not always possible for those who are deployed for six months or longer and in some cases are expected to pay higher rates after they return from deployment or can even be denied coverage altogether.

The good news is that legislation has been passed in many states that prohibit this practice. And in most instances, private insurance companies will offer military personnel discounts that are not available to the civilian public. These discounts are limited to specific insurance companies and must be requested. Also, some companies are taking the extra step and offering incentives for military personnel who choose to store their vehicles while they are deployed a lower premium in lieu of canceling insurance policies altogether, allowing military personnel the opportunity to maintain continuous coverage while keeping monthly premiums low.

A few other cost saving tips military personnel and civilians alike can take advantage of are:

· Try to shorten the daily work commute. The longer the commute, the more expensive the premium.
· Maintain as high a credit score as possible
· Take*advantage of multiple vehicle or multiple policy discounts by purchasing as many policies from the same insurance provider as possible, such as homeowners, auto, renters, life, health, etc.
· Comparison shop. Auto insurers are as different as the clients they service. Rates for policies also range widely.
· If you are still in school, ask for the good student discount.

Each of these suggestions will help military personnel reduce their overall expenditures on monthly auto insurance premiums and protect their vehicles whether they are home or many miles away.

Tips To Find Best Military Auto Insurance

There are even some insurance discounts that apply to the members of various military organizations as well as employees of the Navy Federal Credit Union, Air Force Sergeants Association, Pentagon Federal Credit Union, Fleet Reserve Association, and several more. Providing extra benefits to members of the military and their families is a great way to show the company appreciates their dedication and service.

Types of Insurance

Most states require a minimum of liability insurance for all drivers, and depending on the insurance company, the policy, and the state, even with military discounts the premiums can vary up to 300%. There are numerous types of insurance that make up the military auto insurance, and some include:

- Bodily Injury Liability is the most important coverage because it covers medical bills, lost wages, treatment, rehabilitation (and even funerals) of anyone that is injured or killed by the insurer's vehicle. It can also cover damages for pain and suffering lawsuits.
- Property Damage Liability covers the repair and replacement of property and vehicles that are damaged in the accident caused by the vehicle.
- Protection from Uninsured Motorist covers the driver, passengers, and anyone injured in an accident caused by an uninsured driver.
- Towing and Labor Insurance covers charges incurred for towing and labor when the car breaks down whether it was in an accident or not.
- Umbrella Policy pays for all losses above and beyond what is covered by the auto insurance.
- Comprehensive only pays for damage to the vehicle if it is vandalized, or from theft or a fire.
- Military Insurance Coverage

Just like every other insurance that varies from one state to another, military insurance varies as well, but there are two basic types of liability insurance:

Personal Injury Protection is also very important because it covers medical expenses and lost wages to all people in the vehicle who were injured in the accident, regardless of who is at fault.
Property Damage Liability covers damages to all property sustained in the accident.
Factors that Affect Discounts

There are a variety of factors that provide additional discounts of military auto insurance that the armed services families need to make sure the insurer considers when calculating the premium. These factors include:

- Discounts for drivers under 21 who have successfully completed driver education classes and defensive driving courses.
- Discounts for vehicles that have antitheft protection devices installed in the car.
- Military Installation Garage that is for active duty personnel whose vehicle is parked at the military base every day is eligible for a 15 percent discounted rate.
- Discounts for good driving records, credit history, and the member's military designation are also applicable.
- Active duty and hazardous duty discounts are applicable for armed forces members and provide even greater discounts.