If you are a veteran or a member of the military, you may be eligible for some of the best car insurance rates around. Many companies offer special discounts and perks for veterans and their families, as a way of thanking them for their service and sacrifice. However, not all car insurance companies are the same, and some may offer better deals than others. In this article, we will help you find the best car insurance quotes for veterans, by comparing some of the top providers and giving you some tips on how to save money.
USAA: The Best Car Insurance for Veterans and Military Members
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| Car Insurance Quotes for Veterans: How to Find the Best Deals |
USAA is one of the most popular and trusted car insurance companies for veterans and military members. It is an exclusive provider that caters only to former and current service members and their families, including spouses, children, parents, and siblings. USAA offers many benefits and features that make it stand out from other car insurance companies, such as:
- Low rates: USAA has the cheapest car insurance rates for veterans and military members on average, according to NerdWallet’s 2021 rates analysis. However, rates can vary depending on your location, credit score, driving history, vehicle type, coverage level, and other factors.
- Military discounts: USAA offers a 15% discount on comprehensive coverage for a vehicle parked in a garage on a military base in most states. It also offers up to a 60% discount on auto insurance if you store your car in a secure location for at least 30 consecutive days while you are deployed. This can help you save money if you are not driving your car regularly.
- Customer service: USAA has a reputation for providing excellent customer service and support to its members. It has a 24/7 claims service, online tools and resources, and a mobile app that lets you manage your policy, pay bills, file claims, request roadside assistance, and more. USAA also has a high customer satisfaction rating and a low complaint level compared to other car insurance companies.
- Other products and services: USAA offers more than just car insurance. It also provides banking, investing, retirement planning, home insurance, renters insurance, life insurance, health insurance, and more. You can bundle your policies with USAA and get discounts and convenience.
The only downside of USAA is that it is not available to everyone. You have to meet its eligibility requirements to join and get car insurance quotes for veterans from USAA. If you do qualify, however, USAA is one of the best options for car insurance for veterans and military members.
Geico: The Best Military Car Insurance Discount
Geico is another popular and reliable car insurance company that offers a generous military discount for veterans and active duty members. Geico’s military discount can save you up to 15% on your car insurance premium, depending on your state and coverage level. To qualify for Geico’s military discount, you have to be:
- An active duty member of the Army, Navy, Air Force, Marines, Coast Guard, National Guard, or Reserves.
- A retired or former member of the military who was honorably discharged.
- A member of the National Guard or Reserves who was deployed overseas in support of Operation Enduring Freedom or Operation Iraqi Freedom.
- A member of an organization that supports the military, such as the Association of the United States Army or the Fleet Reserve Association.
Geico also offers other benefits and features for veterans and military members, such as:
- Emergency deployment discount: If you are deployed to an imminent danger pay area as designated by the Department of Defense (DOD), you can get an additional 25% discount on your car insurance premium with Geico.
- Storage protection plan: If you store your vehicle in a secure location while you are deployed or away from home for more than 30 days, you can reduce your coverage to comprehensive only and save money on your car insurance premium with Geico. You can also suspend your coverage completely if your state allows it.
- Military service center: Geico has a dedicated team of agents who specialize in serving veterans and military members. You can call them at 1-800-MILITARY (645-4827) anytime to get assistance with your policy, claims, billing, discounts, and more.
Geico is one of the largest and most well-known car insurance companies in the country. It has a wide network of agents and offices across all 50
Other Car Insurance Companies for Veterans and Military Members
USAA and Geico are not the only car insurance companies that offer discounts and benefits for veterans and military members. There are other options that you may want to consider, depending on your needs and preferences. Here are some of them:
- State Farm: State Farm offers a discount for active duty military members who have their vehicles insured through the DOD's Personal Property Insurance Program. This program provides comprehensive and collision coverage for vehicles owned by military members who are deployed overseas. State Farm also offers other discounts and features that may appeal to veterans and military members, such as accident forgiveness, safe driving rewards, roadside assistance, and more.
- Liberty Mutual: Liberty Mutual offers a 4% discount for active duty, retired, and reserve members of the U.S. military. It also offers a 25% discount for Louisiana residents who are full-time active military. Liberty Mutual has other money-saving features that may benefit veterans and military members, such as new car replacement, better car replacement, accident forgiveness, deductible fund, and more.
- Armed Forces Insurance (AFI): AFI is a specialized insurance agency that provides car insurance and other products to veterans, active duty military members, and their families. AFI partners with Progressive to offer competitive rates and coverage options. AFI also offers other benefits and features for its members, such as roadside assistance, rental car reimbursement, pet injury coverage, loyalty rewards, and more.
- Esurance: Esurance offers a 5% discount for active duty military members who start a quote online. It also offers a 2% discount for veterans who are members of the Veterans Advantage program. Esurance has other features and tools that may suit veterans and military members, such as online policy management, mobile app, usage-based insurance, pay-per-mile insurance, repairview service, and more.
These are some of the other car insurance companies that offer discounts and benefits for veterans and military members. However, you should always compare car insurance quotes for veterans from multiple providers before choosing one. The best car insurance company for you may depend on various factors, such as your location, vehicle type, driving history, coverage level, and personal preferences.
How to Save Money on Car Insurance Quotes for Veterans
Getting a military discount or joining a specialized provider like USAA or AFI can help you save money on car insurance quotes for veterans. However, there are other ways to lower your car insurance premium as well. Here are some tips on how to save money on car insurance quotes for veterans:
- Shop around: The best way to find cheap car insurance quotes for veterans is to compare rates from different companies. You can use online tools like NerdWallet or Forbes Advisor to get personalized quotes from multiple providers in minutes. You can also call or visit local agents or brokers to get more information and advice.
- Bundle your policies: Many car insurance companies offer discounts if you buy more than one policy from them. For example, you can save money if you bundle your car insurance with your home insurance or renters insurance. You can also save money if you insure more than one vehicle with the same company.
- Adjust your coverage: Another way to save money on car insurance quotes for veterans is to adjust your coverage level according to your needs and budget. You can lower your premium by choosing a higher deductible or dropping optional coverages like comprehensive or collision. However, you should be careful not to reduce your coverage too much, as it may leave you underinsured in case of an accident or loss.
- Drive safely: Your driving record is one of the most important factors that affect your car insurance premium. If you have a history of accidents, tickets, or claims, you will pay more for car insurance than someone who has a clean driving record. Therefore, you should drive safely and obey traffic laws to avoid getting into trouble and raising your premium.
- Take advantage of other discounts: Besides the military discount, there may be other discounts that you can qualify for from your car insurance company. For example, you may get a discount if you pay your premium in full or by automatic payment; if you have a good credit score; if you complete a defensive driving course; if you have a low-mileage vehicle; if you have anti-theft devices or safety features installed in your vehicle; and more.
These are some of the ways to save money on car insurance quotes for veterans. By following these tips and comparing car insurance quotes for veterans from different providers, you can find the best deal for your situation and budget.
Conclusion
Car insurance is a necessity for veterans and military members who own and drive vehicles. However, finding cheap and reliable car insurance quotes for veterans can be challenging, as there are many factors and options to consider. Fortunately, there are some car insurance companies that offer special discounts and benefits for veterans and military members, such as USAA, Geico, State Farm, Liberty Mutual, AFI, and Esurance. These companies can help you save money and get the coverage and service you need.
However, you should always shop around and compare car insurance quotes for veterans from multiple providers before choosing one. You should also look for other ways to lower your premium, such as bundling your policies, adjusting your coverage, driving safely, and taking advantage of other discounts. By doing so, you can find the best car insurance quotes for veterans and protect yourself and your vehicle on the road.
FAQ
What is the best car insurance company for veterans?
as different companies may offer different benefits, discounts and services for veterans and their families. However, some of the most popular and highly rated options are USAA, Geico, Nationwide and American Family¹²³. USAA is the only company that caters exclusively to former and current service members and their families, but it also has strict eligibility requirements. Geico has one of the best military discounts available, with up to a 15% auto insurance discount for military members. Nationwide and American Family also offer discounts and features for veterans, such as accident forgiveness, roadside assistance and usage-based insurance.
How can I get a car insurance quote as a veteran?
You can get a car insurance quote as a veteran by visiting the websites of the companies that offer military car insurance or by using online comparison tools that allow you to compare rates from multiple insurers. You may need to provide some personal information, such as your name, address, date of birth, driving history and vehicle details. You may also need to provide proof of your military status, such as your DD Form 214 or your military ID card. Some companies may also ask you about your deployment status, base location and storage options for your vehicle.
How can I save money on car insurance as a veteran?
There are several ways to save money on car insurance as a veteran, such as: Taking advantage of military discounts offered by various companies. Shopping around and comparing quotes from different insurers. Choosing a higher deductible or lower coverage limits if you don't drive frequently or have an older vehicle. Bundling your car insurance with other policies, such as home or renters insurance. Maintaining a good driving record and credit score. Enrolling in defensive driving courses or usage-based programs that reward safe driving habits.
What are some of the benefits of military car insurance for veterans?
Some of the benefits of military car insurance for veterans are: Access to specialized customer service and claims support that understand the needs and challenges of military members and their families. Flexible payment options and cancellation policies that accommodate changes in deployment or relocation. Coverage for personal belongings and equipment in your vehicle while on base or overseas. Coverage for rental cars or transportation expenses if your vehicle is damaged or stolen while on active duty. Coverage for medical expenses and legal fees if you are involved in an accident with an uninsured or underinsured driver.