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Military auto insurance is not actually provided by the military but, rather, describes special programs and prices for coverage offered by various insurers. Most insurers do offer these programs to greater or lesser extents. There are also companies that advertise their specialization in providing insurance to those in the armed forces.
Military auto insurance rates are typically offered a discounted rates compared to other forms of insurance. For the companies, this is a means to both show appreciation to those in the armed forces and to advertise that they do so, which can attract many customers to their companies. Some of the companies will extend this coverage to veterans, as well, so make sure you ask if you’ve served in the military in the past but aren’t currently active.
There are several reasons, aside from advertising and community commitment, that military auto insurance is necessary. Insurance rates are sometimes increased if the insured individual moves around a great deal. For those in the military, moving around is quite often a fact of life that cannot be avoided. It makes sense to allow these individuals some deference in this regard, as their moving around isn’t the result of being irresponsible or the inability to maintain stability in their lives, but a condition of their career.
For those who are currently in the military, there are some creative ways you can further reduce your insurance rates beyond that which is offered by the companies themselves.
Many companies will offer reduced rates to those who take defensive driving courses or other courses that are designed to improve one’s driving skills. Oftentimes, the courses themselves will be offered to active military personnel at a discounted rate. By taking advantage of the discounted class, military members can sometimes enjoy discounted auto insurance rates, as well.
Whether or not any training you’ve obtained in the military will apply to your military insurance rates is a matter that will be up to the provider. If the course of your duties qualified you for enhanced forms of diver’s licenses, such as a commercial driver’s license or a chauffer’s license, you may want to consider getting the license type in question if your insurer will offer better premiums in such a case.
Military auto insurance and the discounted rates that characterize it are among the many financial benefits offered to military members, active and retired. It makes sense to check out what options are available to you. Look online and see if these companies have an offer that can make your payments lower or allow you more coverage for the price you already pay. Your current base may have information on local providers, as well.