If you’re a US military veteran, then you know that finding the right car insurance can be a challenge. There are so many different companies, and it can be hard to know which suits you and your family. That’s why we’ve put together this guide on choosing the right car insurance for veterans.
One of the best places to start your search for car insurance is with dedicated veteran services, such as USAA, the VFW, and your local VA office. These organizations can help you understand your options and find the right company for your needs.
USAA is a company specializing in insurance for military members and their families. They have great rates and coverage and are also known for their excellent customer service. Look at the USAA Reviews out there to see how they have helped others in a unique circumstance similar to yours.
Veterans of Foreign Wars (VFW)
The VFW doesn’t provide insurance, but they may have a resource list of local insurance agencies that honor their vets with discounts and special services. Ask the folks at the VFW what their recommendation for insurance is. Speaking to other vets at the VFW may illuminate the right agency for your insurance needs.
Veteran Affairs (VA)
The VA gets a bad rap for poor customer service. However, they are a vast library of helpful information for our honored military veterans and current service members. While they don’t offer insurance services, they can help you find the right insurance company to work with.
How to Get the Best Rates
Compare Several Companies and Discounts
When you’re looking at different car insurance companies, be sure to compare their rates, coverage options, and discounts. Some companies offer special discounts for veterans, so be sure to ask about those.
You should also ensure that the company you choose has a good reputation and is known for providing good customer service. Ask around and look at reviews for the agent and agency you select to work with.
Once you’ve found a few companies you’re interested in, get quotes from each one. This will help you compare prices and find the best deal. Remember, the cheapest option isn’t always the best one. Ensure you’re getting the coverage you need at a price you can afford.
One way to save money on your car insurance is to bundle it with your other policies. For example, if you have homeowners insurance with one company, see if they offer a discount for bundling your car insurance. You can also sometimes get a discount for insuring more than one car with the same company.
To save money, you can bundle homeowners’ or renters’ insurance with your auto, RV, boat, or ATV policies. Using an insurance broker may save you additional money. They can often help you find an agent that can bundle even more procedures, such as life insurance and health insurance, into the same payment system.
Look for Low Mileage Discounts
Some companies offer discounts for veterans who don’t drive often. If you have low yearly mileage, you may be able to get a discount on your premium. This is because you’re less likely to get into an accident if you don’t drive often.
Maintain a Clean Driving Record
One of the best ways to get lower rates is to maintain a clean driving record. Insurance companies will give you a break on your rates if you have a good driving history. Your rates will be higher if you’ve had accidents or speeding tickets. But if you show that you’re a safe driver, you’ll save money on your car insurance.
Drive a Safe Car
Some cars have a history of breaking down and causing accidents, and these cars will cost more to insure. However, suppose you drive a newer car with no recalls and added safety features. In that case, you’re likely to have better rates on your insurance.
Never Let Your Coverage Lapse
When you drive a car and are required to have insurance on it, you should be sure never to let the coverage lapse. For one, in many states, you’re required by law to have insurance on your car to protect you and those around you in the case of a collision. Secondly, lapsing on your insurance will cause your renewal to be at a much higher rate than if you’d kept insurance paid up until transfer or renewal.
When you’re a veteran or currently serving in the military, finding an insurance company that understands your unique circumstances is essential. Follow these tips, and you’ll be sure to find the right car insurance for your needs.
If you have any questions about car insurance or are unsure which company is right for you, talk to your local VA office or a representative from USAA. They can help you understand your options and make the best decision for your situation and coverage requirements.