Arizona Military Auto Insurance: List of Cheap Rates for the Military
Car insurance can be very expensive, so it becomes essential that you know how you can get discounts. Military members can receive significant discounts on their own Arizona car insurance rates and their family’s policy.
Who is Eligible?
Eligibility depends on the company, but some companies give discounts to military retirees as well as those who are serving in the National Guard. Some companies also give coverage to the entire family. Not all military service counts for every insurance company, so doing a bit of research first is important.
What Companies are the Best for Military Discounts?
Cheaper car insurance companies tend to be pickier about military discounts. Many require that the military personnel be in a hostile zone and that the car is in storage. This kind of coverage is essentially wasted money since no one is driving the car during this time. We suggest that you look for a company such as Esurance. Although they do not offer a military discount, you can cancel your coverage without a fee if you go overseas and put your car in storage. This completely eliminates your car insurance payments while you are not driving the vehicle, which can be very helpful for single people in the military.
What about Families?
Obviously storing the car isn’t the best option for military families, as some of the family members will remain at home and need a vehicle to drive. For this situation, a company like GEICO or USAA is probably best.
GEICO covers all active and retired military members and their families. Up to 15% percent of your car insurance can be saved with their military plan. GEICO also allows you to stop payments on all types of coverage except comprehensive if you are overseas and your car is in storage. This can save you about 25%. GEICO even has a Military Assistance team comprise of former military service men and women that understand your needs and can help you find the best plan for your family. GEICO’s insurance policies are better suited for the constant relocation of military families, unlike many other companies that require a new policy every time you move to a new state. Unfortunately there are a few states where GEICO does not offer a military discount. They are Georgia, Indiana, Massachusetts, Michigan, Mississippi, New Jersey, New Mexico, Tennessee, and Texas.
USAA also gives significantly discounted car insurance premiums to military service men and women and their families. In fact, this company deals exclusively with those in the military. Using USAA for your car insurance could save you up to $600 every year. USAA has a policy of accident forgiveness. If you do not have an accident in the first 5 years of coverage, your rates will not increase after your first car collision in which you were at fault. USAA is a great company to use for military car insurance because they have 2,300 repair locations across the nation. This is ideal for military families, who may be moving around the country every 2-5 years. Also, to make the entire process easier, all transactions and claims can be done online.
The Most Important Tip – Compare Plans
Almost every insurance company will offer either a military discount or a separate policy for military families. This is their way of showing gratitude for the service of you or your family members. It is important to find the company that is the best fit for your family, so don’t be afraid to compare companies. Compile a short list of things that are important for your insurance policy and use this list to help decide which company can offer you the best plan.
No matter what branch of the armed forces you serve in, your Arizona car insurance can be significantly lower. Be selective and thorough in your search and you are sure to find a great deal on car insurance that will save your family money.