Military Auto Insurance: Protecting Your Vehicle and Your Family

As a member of the military, you have a unique set of needs when it comes to auto insurance. Whether you are deployed overseas or stationed at home, you need coverage that will protect your vehicle and your family in the event of an accident or other unforeseen circumstances. In this article, we will explain the basics of military auto insurance, including what it covers, how it differs from civilian insurance, and how to find the best policy for your needs.

What is military auto insurance?

Military auto insurance is coverage designed specifically for members of the armed forces and their families. This type of insurance provides the same basic coverage as civilian auto insurance, including liability, collision, and comprehensive coverage, but may also offer additional benefits and discounts that are tailored to the unique needs of military personnel.

One of the key benefits of military auto insurance is that it often includes special provisions for servicemembers who are deployed or stationed overseas. For example, some policies may offer extended coverage for vehicles stored overseas or provide rental car coverage for family members while the servicemember is deployed.

What does military auto insurance cover?

Like civilian auto insurance, military auto insurance typically covers liability, collision, and comprehensive coverage. Liability coverage pays for damages and injuries you cause to others in an accident, while collision coverage pays for damage to your own vehicle in a crash. Comprehensive coverage provides protection against non-collision events, such as theft, vandalism, and natural disasters.

In addition to these standard coverages, military auto insurance may also offer additional benefits such as:

• Discounts for active duty or retired military personnel
• Special coverage for vehicles stored overseas
• Rental car coverage for family members while the servicemember is deployed
• Gap insurance to cover the difference between your car’s value and what you owe on your loan or lease
• No-deductible glass repair and replacement

How is military auto insurance different from civilian insurance?

While military auto insurance provides many of the same basic coverages as civilian insurance, there are some key differences that servicemembers should be aware of.

First and foremost, military auto insurance may offer additional benefits and discounts that are tailored to the unique needs of military personnel. For example, some policies may include roadside assistance, which can be especially useful for servicemembers who may be driving long distances or in unfamiliar areas.

Another difference is that military auto insurance may be more flexible than civilian insurance when it comes to deployment and relocation. For example, some policies may allow you to suspend your coverage or reduce your premiums while you are deployed or stationed overseas.

How do I find the best military auto insurance policy?

When shopping for military auto insurance, it is important to compare policies from several different providers to ensure that you get the best coverage for your needs. Here are some tips to help you find the right policy:

1. Research different providers: Start by researching different providers online or asking for recommendations from other military personnel.
2. Compare policies: Once you have a list of potential providers, compare their policies side-by-side to see which offers the best coverage at the most affordable price.
3. Consider additional benefits: Look beyond the basic coverages to see what additional benefits each policy offers, such as discounts for military personnel, roadside assistance, or rental car coverage.
4. Read reviews: Before making a final decision, read reviews from other military personnel to see how satisfied they are with their coverage and customer service.

FAQ

What discounts are available on military auto insurance?

Many insurance providers offer discounts to active duty or retired military personnel, as well as their families. These discounts can range from 5% to 15% off your premiums, depending on the provider and your specific circumstances.

Can I suspend my military auto insurance while I am deployed?

Some insurance providers may allow you to suspend your coverage or reduce your premiums while you are deployed or stationed overseas. This can help you save money on your insurance while you are unable to use your vehicle.

Do I need special coverage for my vehicle if it is stored overseas?

If you are storing your vehicle overseas, you may need additional coverage to protect it from damage or theft. Some military auto insurance policies offer special coverage for vehicles stored overseas, which can provide added peace of mind.

How can I find the best military auto insurance policy?

To find the best military auto insurance policy, it is important to compare policies from several different providers, consider additional benefits and discounts, and read reviews from other military personnel to see how satisfied they are with their coverage and customer service.