Military families know that when it comes to car insurance, you have special needs. Active members are asked to travel to different countries to train, to station, or even deploy for missions. You must be fast and mobile, and so does your insurance carrier. There is no point in having an agent that is difficult to reach, hard to work with, or that does not cover your type of lifestyle. Be sure to shop around and find the policy that works for you, at the price that you want to pay. When you do find the correct agent, and find the best policy designed for you, numerous advantages will be made available.
Many carriers will give an upfront reduction in premium costs. This is beneficial not only on the pocketbook, but also allows for family members to be added to the policy without a huge increase. Extra vehicles, or even bundling with another type of insurance, will also give extra savings. Your agent can give you the entire breakdown, as well as explain to you how much you save over non-military personnel. This savings is passed on to you as a way of thanking you for your service so be sure to take full advantage of it.
Discounts are another advantage of having military car insurance. Every insurance company will have different discounts for you to consider. The branch that you are in, or the location you are stationed at, and even your rank can be deducted. If you are part of a volunteer group, or work in a specific area, you may qualify for a discount. Ask for any type of savings when you talk to your agent. If you feel that you do not get enough of a savings, or that you may benefit by changing carriers, check out an online site that will compare car insurance for you.
If you need to spend some time oversees to train, or to hang your hat for a short time, you will have a need for your vehicle. Some insurance carriers will not only offer full coverage insurance while you are away but will help you ship the vehicle to the location you are moving to. This will be written in a side clause on some of the insurance policies. You can always talk to your agent if this circumstance comes up and see what they can offer you.
If you get deployed, you will not have a need for extensive car insurance coverage until you get back. One of the biggest advantages of having military car insurance is the fact that many carriers will allow you to put your policy on a suspension. This means that you will still have to pay some type of coverage, but not the full amount. You will have to show proof of deployment so the agent knows that the vehicle will be parked. Once you get back the suspension will be removed, and your policy will be back to normal.
Being in the military has advantages when it comes to car insurance. The benefits listed above can help you with peace of mind if you have the correct agent. You should not have to worry about your family while they are driving around, and you never should have to stress when fast changes are made. Military life can be stressful enough as it is, your car insurance should not add to it. Be sure to check around when buying a policy to ensure you get a good agent. If you already have coverage but feel that they do not offer the benefits that you should be getting, then shop around and change companies.