Buying auto insurance can be a daunting task, especially when you are actively serving in the military. If you feel like your insurance rates are too high, now is the time to shop for cheap military auto insurance. There are several auto insurance companies with positive reputations in the industry that cater to policyholders in the military and have special policies for these clients. Your job is to identify which companies cater to military drivers, and how you can save money off of your premiums while you are in the duty or while you are deployed. Here are some tips to help you make your search for cheap auto insurance easier:
Check for Special Military Discounts
The first step to finding cheap auto insurance is asking for military discounts. In an effort to thank active and retired members of the military, most of the large name insurers will offer a military discount. In some cases, this discount can be as high as 15% off of your premiums. This is the first discount you should look for whenever you have served your country.
Check For Payment Policies and Suspension Procedures
When you leave the country, you may need to register your vehicle as non-operational to avoid problems with the DMV. If you do this, you can also suspend your insurance coverage while you are away. Check out the payment policies and the procedures before you do business with any insurer. If there are not special policies and procedures in place for military personnel out of the country, you may want to choose another company.
Multi-Car and Multi-Line
More is better when it comes to premiums. If you own more than one car, you will receive a multi-car discount off of each car. Do not insure each of your vehicles with different companies or you will be paying hundreds of dollars more a year. If you are looking for renter’s or homeowner’s insurance, you should purchase coverage from the same insurer as well. This will qualify you for a multi-policy discount, and make servicing each of your policies easier as well.
Take a Training Course
You probably know how to be a safe driver, and the courses you have taken in the military may qualify you for safe driver discounts. Completing courses in safe driving will show that you have put an effort into being a conscientious driver who is aware of the skills that are needed to avoid accidents. If you have not taken a driver safety course, you can look for courses in your area that are approved and receive a certificate during your off time.
Military members should take time to compare rates from all of the leading insurers catering to military personnel. If you keep these tips in mind, you can find cheap insurance coverage that still protects you while you are driving and while you are deployed. Select the limits of protection you need, learn the process of suspending coverage while you are away, and use a rate comparison tool to make the process of shopping for coverage easier and more convenient.