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Military Auto Insurance Explained

October 10, 2014

Why You Should Know Military Auto Insurance Basics

Managing life’s challenges such as finding the right car insurance can be a bit more difficult when you’re a member of the military. While you often have a tight-knit community to leverage for help and a number of resources at your disposal, the challenge is that you could be here today – and anywhere tomorrow.

This guide to Military Auto Insurance Basics provides some help in making sure you find the most attractive discounts and are able to troubleshoot the logistics that come with active duty and emergency deployments.

Military Auto Insurance Discounts

Nearly every major car insurance company provides some level of discounts for American military personnel. In fact, there are some companies that specifically cater to servicemen, servicewomen and their families, including USAA and AFI. Another is Geico, which was actually founded as Government Employees Insurance Company in 1936.

Here are some of the military discounts that are available:

  • Active duty military car insurance discounts
  • Retired military auto insurance discounts
  • National Guard or Reserves auto insurance discounts
  • Emergency deployment car insurance discounts

Military personnel who fit the bill – and their families – can save up to 15 – 25 percent depending on the company they choose and a host of other factors.

Managing Car Insurance Deployments

Those in the military are often managing a constant state of flux. For example, family members may be moving back and forth between states and even overseas. In such cases, policyholders can cancel and reactivate coverage for these family members – and in some cases, they can even put a temporary hold on policies.

Here are a few important notes regarding deployments and auto insurance:

  • Contact your state licensing agency: In order to own a car that’s not insured or registered, and maintain compliance, you’ll need what’s referred to as an affidavit of non-use from your state’s department of motor vehicles.
  • Be careful where you park: It’s illegal to park an uninsured, unregistered vehicle on a public street. Find a safe and secure location you can access at a moment’s notice if you’re someone who could potentially receive an emergency deployment. Some auto insurance companies, as well as your local base or other military resource, can help you secure such locations.
  • Insuring vehicles overseas: If you’re looking to ship and drive a car overseas, some auto insurers will help expedite all of the paperwork that needs to be completed. Be sure to look for and ask about this feature up front.

While life in the military comes with many challenges that average civilians don’t need to manage, both the U.S. military and a number of auto insurance companies offer resources, special services and generous discounts to members of the armed services and their families.

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