For veterans, active duty personnel, and their families, USAA, Geico, and State Farm are the cheapest car insurance providers. If you are in the military, or a veteran, USAA is your best and cheapest option for car insurance. Those who have served in the United States armed forces or who have family members who have can save money on car insurance in a few different ways.
Car Insurance for Veterans
Members of the armed forces typically have the same access to car insurance policies as civilians. However, to accommodate the possibility that active-duty military personnel may use their vehicle less frequently than the average driver, some car insurance companies provide special coverage or discounts.
Veterans, active duty personnel, and their families can find competitive rates from several respectable companies even in the absence of a military discount, although USAA stands out as a cheapest military car insurance provider due to its membership rules.
How does Car Insurance Work for the Military?
Military members can purchase standard car insurance, but there are some exceptions for those who are actively serving in the armed forces. Depending on the state, a service member may be able to keep their car registered and insured in their home state even while stationed elsewhere.
It is important to remember that when a service member deploys overseas, the requirements of his or her insurance company may change. Finally, some companies exclusively offer cheap coverage to active military personnel, veterans, and their families, so when searching for military car insurance, you might have more options than the typical consumer.
How to Suspend Your Car Insurance While You Are Deployed
If you want to make sure your car insurance is in order before you leave on deployment, follow these steps.
If you are getting deployed, that is no reason to drop your car insurance. That might lead to a “lapse of coverage,” which might make it challenging for you to get auto insurance once more. Instead, you should contact your insurance provider to see if you can temporarily pause your coverage. Depending on your state’s laws, you may be able to put your car insurance on hold if you are not going to be driving for an extended period.
You may need to submit an “affidavit of non-use,” which you can find out about on the DMV website for your state. By submitting this form, you are informing the state that your car will be kept in storage and not driven for an extended amount of time. See if there are any discounts for deployment that you can get. Discounts are available from insurance companies like USAA and Geico if you have to keep your car at the base or are sent to a disaster area.
Resuming Insurance Coverage After Deployment
If you want to get your car insurance back after being deployed:
Get in touch with your insurance provider. Ask for your insurance to be reinstated. Ensure that you have your vehicle insurance policy number. Applying for a new policy might be necessary if too much time has gone by since you suspended your car insurance.
Get in touch with the Department of Motor Vehicles in your area. Make sure your car’s registration is current and send in any paperwork needed to show proof of insurance. Please wait to drive until your information has been updated. Driving a vehicle without proper registration and insurance could result in monetary penalties for the driver.
Tips for Saving Money on Car Insurance for Active Duty and Veteran Military Personnel
There are several ways that active-duty personnel, their families, and veterans can reduce the cost of their car insurance. Following these steps will get you the best deal on car insurance from one of the most reputable providers.
#1. Shop for Quotes
Finding the most affordable car insurance will require gathering and comparing quotes from multiple providers. Make sure that the limits of coverage and deductibles are the same so that you can compare what you already have to what you want.
#2. Ask About Discounts
If you want to get the best possible rates from the most reputable auto insurance provider, you should inquire about any discounts for which you might be eligible. If you are a current service member or a veteran, you could be eligible for a discount.
#3. Insurance Coverage Bundle
The multi-policy discount is a significant savings option that you may be able to take advantage of. It is possible to save as much as 25% by bundling auto and home insurance. This is known as a “bundling discount” by some insurers.
Best Car Insurance for Veterans
#1. USAA Car Insurance for Veterans
If you are in the military, whether family members of active personnel or veterans, USAA is probably your best and cheapest bet when it comes to car insurance, and it is widely regarded as the industry standard. When it comes to auto insurance for members of the military, USAA is consistently the best and most affordable option, regardless of whether you are looking for full coverage or the bare minimum.
Veterans and active-duty service members, as well as their families, are the only people who can get car insurance from USAA. This includes all current and former members of the United States Armed Forces, as well as guard and reserve personnel, enlisted personnel, and their families.
How does USAA Car Insurance for Veterans Work?
You need to provide evidence of military service or a government-issued ID to join USAA. They will want to see your government-issued ID and copies of your military ID to verify your status as a service member. You could also provide documentation showing that a family member served in the military or that you did so in the past.
Just because you served in the military or are a veteran does not make you a member of USAA. First, you will need to register. You can transfer your membership to a spouse, children, or stepchildren after you have been a member for a while.
Due to its focus on serving members and veterans, USAA offers the best car insurance for military families and members of the military. They have locations in all 50 states plus Washington, DC, and have a reputation for excellent customer service and affordable rates for drivers of all backgrounds and ages, whether they have tickets or are just starting.
USAA provides additional coverage to its drivers, including accident forgiveness, roadside assistance, and rideshare insurance. Accident forgiveness is a great feature for safe drivers because it prevents premium increases following the first accident in which the driver is at fault. All drivers can greatly benefit from roadside assistance plans because of the money they can save on services like towing, unlocking, and jumpstarting.
#2. GEICO
Military members who are drivers can save up to 15% on their yearly premium with GEICO. After applying the discount, GEICO’s auto insurance rates for military personnel are second lowest to those offered by USAA. Customers in the military who select GEICO can save money by combining available discounts.
Only current and former military personnel, as well as members of the National Guard and Reserves, are eligible for GEICO’s military discount. In addition, the business provides military drivers who belong to professional associations and organizations like the Association of the United States Army (AUSA) and others with membership and emergency deployment discounts.
You can reduce insurance premiums for active-duty military members by taking advantage of GEICO’s many discounts. Discounts for safe drivers, multiple vehicles, and bundling are just a few of the ways that military members can lower their insurance premiums. Other discounts, such as those for using daytime running lights and seatbelts, are also available. The extra coverages provided by GEICO, such as accident forgiveness, roadside assistance, insurance for antique and classic vehicles, and coverage for mechanical breakdowns, are all well worth considering.
GEICO is an excellent option across the country because it provides service in all 50 states plus the District of Columbia. In addition, car insurance and many discounts are available to anyone.
#3. State Farm
This insurance company ranks as the third-best car insurance company for military drivers in the United States. State Farm’s extensive discount options make it a great choice for military drivers because they allow for even more substantial premium reductions. State Farm offers discounts for things like safe driving, good grades, having more than one car, bundling, and more.
They also offer discounts for things like being a senior driver, having daytime running lights, and anti-lock brakes, which most other companies don’t. State Farm does not offer a military discount on a national scale, but in some regions, their rates are so low that they are the only affordable option.
#4. Farmers
Veterans and active-duty military members are eligible for a discount at Farmers. It also provides many other opportunities to save money, such as when you sign up for paperless billing, bundle different types of insurance, and pay your premiums on time. Because it offers a 10% discount to military customers, Farmers is a good choice for service members who are looking for a way to reduce the cost of their insurance premium.
#5. Armed Forces Insurance (AFI)
USAA is not the first or the only insurance provider that caters to military personnel and their families. AFI has been around for over 135 years, since 1887, making it one of the oldest insurance programs in the world.
Armed Forces Insurance is a great option for those currently serving or who have served in the military to compare car insurance quotes. You, your spouse, your dependent children, and other relatives living at the same address, as well as any other licensed drivers you permit to use your vehicle, are all covered under your military auto insurance policy from Armed Forces Insurance.
AFI, like USAA, provides members with a variety of services under one roof. It provides coverage for a wide variety of vehicles besides cars, including homes, apartments, motorcycles, and RVs. AFI also offers additional coverages, such as insurance for fire and flood, valuable items, pets, and even umbrellas. Unfortunately, AFI does not provide details on where to find discounts, and getting a quote online involves providing a lot of personal information.
Armed Forces Insurance has affiliates in all fifty states and the District of Columbia. This lets the company serve customers all across the country with auto, home, and motorcycle insurance.
Cheap Car Insurance for Veterans
USAA has the cheapest average rates for good drivers when you compare the best car insurance companies. For military families, USAA always has the best and cheapest car insurance, whether they need full coverage or just the bare minimum. The average annual premium for a state-minimum coverage policy with USAA is $283. Due to reductions in cost and discounts, military auto insurance rates are frequently less expensive.
Is USAA Car Insurance Only for Veterans?
Indeed, only active-duty and retired military personnel, as well as their families, are eligible for USAA. All current and former service members, cadets, widows, spouses, and children are included.
Is Geico or USAA Better for the Military?
Insurance policies from both GEICO and USAA can be tailored to meet the needs of a wide range of motorists. Despite GEICO’s assertions that they provide low-cost auto insurance to all drivers, service members can find more affordable options and better coverage options through USAA. USAA has a lot of competition from Geico. When comparing rates for auto insurance for veterans, both companies offer policies at significantly lower costs than the national average.
Both USAA and Geico offer competitive pricing and a wide variety of coverage choices; however, USAA’s customer service is more affordable and accessible.
What are the Disadvantages of USAA?
Membership in USAA is restricted to those who are currently serving in or have previously served in the United States military, as well as their spouses, dependent children, and pre-commissioned officers.
Does Geico Give a Veteran Discount?
People who are currently serving in the military, those who have retired from the military, and those who are currently serving in the National Guard or Reserves may be eligible for a discount on their insurance premium of up to 15%.
Can any Veteran join USAA?
If your spouse is currently serving in the military or is a veteran who received an honorable discharge from the military and is not a USAA member, you will need to create their profile, and register before you can continue.
Is USAA for the Military only?
Veterans and active-duty service members can get insurance through USAA. Family members of former USAA policyholders are also eligible to enroll. If your dad was in the military and had USAA insurance, you are eligible to receive the same coverage. If he never had USAA, however, you will not be able to join.
Conclusion
When it comes to auto insurance, military personnel and their families are best served by USAA, a company that understands their needs. USAA’s rates are consistently ranked as the lowest in the industry, and the company consistently receives praise for its dedication to its customers. When it comes to insurance, USAA is one of the most affordable options for service members.
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