Sisterhood Auto Insurance: Military Discounts

Military personnel and their families can often get discounted auto insurance, but it depends on the insurance company and the individual's circumstances. For example, USAA offers insurance to active and former military members and their families, while Geico offers a discount of up to 15% for those on active duty, retired from the military, or in the National Guard or Reserves. However, it's important to note that siblings of military personnel typically don't qualify for these discounts and must be listed as drivers on their own policy.

Can a sister get a military discount on auto insurance?

Military car insurance is auto coverage for current and former members of the military and often includes discounts for:

• Military service
• Affiliations with certain military organizations
• Emergency deployment

Many car insurance companies offer discounts for active-duty military personnel, veterans, and members of the National Guard. Companies like GEICO offer up to a 15% discount on auto insurance policies for active-duty and retired military, National Guard members, and reserves. USAA, a company that caters exclusively to current and former service members and their families, offers a 15% discount for active-duty military who store their vehicle on a military base, and a 60% discount for those who store their car while deployed overseas.

Some companies offer a discount if your car is kept on a military base, and there are also packages and plans for overseas military auto insurance. If you are deployed, some companies will charge you up to 60% less for auto insurance while your vehicle is being stored.

Veterans can also be eligible for discounts, and bundling your insurance can save you even more money.

In addition to the above, there are some other ways to get a military discount on car insurance. If you are on active duty, retired from the military, or a member of the National Guard or Reserves, you may be eligible for a Military Discount. Some companies also offer Emergency Deployment Discounts and insurance discounts to members of certain military-related organizations. Federal employees or retired military who have a federal job may also receive a discount off their monthly premiums.

However, it is important to note that not all car insurance companies offer military discounts. If your sister is wondering if she can get cheaper car insurance through a military discount you may qualify for, the only way she would be eligible to be added to your policy is if she lives in the same house as you.

What are the requirements for a military discount on auto insurance?

Military car insurance is auto coverage for current and former members of the military. Many auto insurance companies offer discounts for active-duty military personnel, veterans, and members of the National Guard. The requirements for a military discount on auto insurance vary depending on the insurance company, but typically, you must be an active-duty service member, a retired service member, or an honorably discharged veteran. Here are the requirements and discounts offered by some popular insurance companies:

GEICO

GEICO offers a Military Discount of up to 15% on the total insurance premium for active-duty, retired, and National Guard or Reserve members. They also provide an Emergency Deployment Discount for members who are deployed in an emergency and store their vehicles in one of their garage protection plans. GEICO also offers discounts for members of specific military-related organizations, such as the Association of the United States Army (AUSA) and the Navy Federal Credit Union (NFCU).

USAA

USAA offers insurance policies exclusively to active-duty or retired military members and their families. While they don't have specific military discounts, their rates are often significantly lower than competitors. USAA provides a 15% discount for customers who store their vehicles on a secured military base and up to a 90% discount for those who store their vehicles in a secured location during deployment.

Farmers

Farmers offer discounts to those in the military, including active duty, active reserves, retired, and honorably discharged military veterans. The amount of the discount may vary by state and provider.

Liberty Mutual

Liberty Mutual offers discounts on auto insurance policies for active-duty, retired, or reserved military drivers.

American Family Safety

American Family Safety provides a 15% discount for active-duty members, reserves, veterans, and first responders of the U.S. Army, Air Force, Navy, Marine Corps, Coast Guard, and the National Guard.

Direct Auto

Direct Auto offers up to a 25% discount on key auto insurance coverages for active-duty service members who can provide a copy of their current orders or other documentation. However, this discount is only available in Alabama, Florida, and Louisiana.

Esurance

Esurance allows military members called into active duty to cancel their policy without penalty while on deployment.

State-Specific Discounts

Some states, like Louisiana, offer special insurance discounts for service members. Additionally, certain companies may have state-specific discounts, so it's essential to research the options available in your state.

It's important to note that the requirements and discounts may vary by company and state, so be sure to contact the insurance provider directly to inquire about their specific military discount programs and eligibility criteria.

What are the best insurance companies for military auto insurance?

Military car insurance is available for service members, veterans, and their families, and typically offers discounts and lower rates to reflect their service. Here are some of the best insurance companies for military auto insurance:

USAA

USAA is consistently ranked as one of the best insurance companies for military auto insurance. It offers exclusive coverage to current and former service members and their families, with unique coverage, incredible discounts, and outstanding customer service. USAA provides a 15% discount for active-duty military who store their vehicle on a military base, and a 60% discount for those who store their car while deployed overseas. USAA also has some of the cheapest auto insurance rates, with rates costing an average of $88 per month.

GEICO

GEICO, or Government Employees Insurance Company, offers some of the best discounts on military car insurance, with a 15% discount for all current and former military, as well as National Guard members and reserves. They also offer an emergency deployment discount of 25% for those deployed to "imminent danger pay areas" and who store their vehicles during deployment. GEICO also provides a dedicated military customer service team, staffed with veterans from all military branches.

Armed Forces Insurance

Armed Forces Insurance (AFI) has been around for over 135 years and caters exclusively to current and former service members and their families. They offer coverage for civilians working for the military, and are available in all 50 states. While they do not list specific discounts on their website, they claim to offer competitive rates.

State Farm

State Farm does not have a nationwide discount for military members, but its low rates make it the cheapest option in some areas, such as Texas. They also offer a good driver discount for drivers without tickets or at-fault accidents in the last three years, and a Steer Clear program for drivers under 25, which can help save up to 20%.

Liberty Mutual

Liberty Mutual offers a competitive 10% military discount, as well as additional savings for members of the Military Benefits Association. They also offer a comprehensive-only insurance option, which is a great choice for active service members anticipating deployment.

Progressive

Progressive does not offer a military discount, but they do provide special perks for active-duty military members, including comprehensive-only insurance for vehicles stored during deployment, and overlooking lapses in coverage while a customer is on active duty.

Farmers

Farmers Insurance offers a 10% discount for military customers, but does not offer extra services or accommodations for service members beyond what is required by law.

What are the cheapest auto insurance options for military families?

Military personnel and their families have unique needs when it comes to auto insurance. If you're on active duty, you might store your car when deployed or ship it to where you're stationed. This is where military auto insurance comes in.

USAA and Geico are two of the best car insurance companies for service members and their families based on the military discounts and coverage they offer. USAA has the country's cheapest auto insurance rates on average, and its coverage is exclusively for active or retired military members and their spouses and children. Geico offers a discount of up to 15% for military members, including veterans. It also offers a 25% discount for military members deployed to an imminent danger zone.

Other car insurance companies that offer military discounts include:

• Farmers Insurance
• Liberty Mutual
• State Farm
• Nationwide
• Arbella
• Armed Forces Insurance

If you're a veteran or active member of the military, you may be eligible for some of the best car insurance rates around. It's worth shopping around and comparing quotes from different companies to find the best deal for you.

What are the benefits of USAA auto insurance?

USAA is an insurance company that offers a wide range of benefits to its customers. Here are some of the key benefits of USAA auto insurance:

• Affordable prices and strong customer service: USAA is known for offering highly competitive rates, often significantly below the national average. They also have a strong track record of customer satisfaction, with high scores on J.D. Power's customer surveys and an A+ rating from the Better Business Bureau.
• Availability: USAA auto insurance is available in all 50 states, Washington, D.C., and some international locations, making it a convenient option for those who travel frequently or relocate.
• Tailored offerings for the military community: USAA was founded by military personnel and understands the unique needs of this community. They offer discounts for parking your car on a military base, storing your vehicle during deployment, and more. USAA also provides 24/7 customer service and is known for its quick and efficient claims handling.
• Wide range of coverage options: In addition to the standard liability, collision, and comprehensive insurance, USAA offers several additional coverage options such as accident forgiveness, car replacement assistance, rental car reimbursement, roadside assistance, rideshare insurance, and uninsured/underinsured motorist insurance.
• Discounts: USAA offers a variety of discounts that can help lower your premium. These include discounts for anti-theft devices, automatic payments, good students, loyalty, multi-vehicle policies, military on-base parking, newer vehicles, safe driving, and more. They also have a usage-based insurance program called SafePilot that can provide discounts of up to 30% for good driving behaviour.
• Financial strength: USAA has received high ratings from credit rating agencies like A.M. Best and S&P Global, indicating a strong ability to pay out claims. This gives customers peace of mind and confidence in the company's stability.
• Other types of insurance: In addition to auto insurance, USAA offers a wide range of other insurance products, including homeowners insurance, long-term care insurance, and pet insurance. They also provide banking and credit products, such as credit cards and auto loans, allowing customers to bundle services and receive additional discounts.

Frequently asked questions