It is true that, depending on the nature of your work, car insurance may cost a little more owing to the specific risks involved. This is not the case when it comes to military personnel. Yes, working a military job is more dangerous than working as a cashier or an accountant, but it is unlikely that the specific dangers military personnel face will occur while they are driving to and from their base.
In fact, military personnel may be eligible for discounts on their auto insurance. Not only that, some providers even extend these discounts to immediate family members of military personnel — in some cases regardless of whether the enlisted member holds a policy with that provider. Some also offer discounts to retired military personnel, as well as those currently serving.
A few points you should bear in mind when buying insurance as military personnel:
- You may need to make arrangements with your provider when deployed, given that your vehicle may be in storage for months at a time.
- When signing up, your insurer may ask that you have your commanding officer give them a call.
- Discounts generally extend across all branches of the military, including National Guard and Army Reserves.
- Many providers offer additional discounts for emergency deployment.
A military lifestyle brings with it several challenges not faced by those of us employed in the private sector. Military personnel must contend with the inherent dangers of the job and being away from family for long periods of time.
Fortunately, higher insurance rates are not one of the challenges faced by United States military personnel. Insurance providers are appreciative of the service provided by our armed forces, and try to reflect this through coverage.