Military Auto Insurance

AUTO INSURANCE BASICS
Lowering Your Military Auto Insurance

Today's auto insurance providers know that the men and women who serve in the military tend to be honorable, reliable and responsible. For that reason, insurers give discounts to military personnel. Military servicemembers, who have steady jobs with a very slim chance of layoff, can be counted upon to make timely premium payments.

The actual price you pay for your auto insurance policy starts with a review of some basic factors about you and your driving record.

CHARACTER

Respect for the law and speed limits; never drinking and driving; these define the character of a driver and help deepen your discount.

GOOD DRIVING HABITS

Things like observing a safe following distance to the car in front of you, stopping for yellow warning lights, being fully alert every time you get behind the wheel - make those habits automatic and you'll see your driving record, and your auto discounts, reflect it.

DRIVING EXPERIENCE

This is one of those crucial insurance determining factors will come to you with time and practice, just by gaining more, safe driving time behind the wheel.

This list of basics can often deepen your auto insurance discount:

• Good driving record.
  Generally, a clean record - no accidents or moving violations for the past three years.
• Driving education.
  Drivers over 55 should refresh their skills with by taking a current driving course.
• Carpool drivers.
  Drivers who carpool to work sometimes receive a 10-20 percent discount on premiums.
• Multiple vehicles.
  Insuring more than one car on the same policy may earn you a 15-20 percent discount.
• Low annual mileage.
  Some companies offer discounts if you drive less than a certain number of miles each year.
• College students living at school?
  Some insurers offer discounts to parents with a college-age student who attends school more than 100 miles from home and doesn't keep a car on campus.
• Anti-theft devices.
  Some insurers offer 5-15 percent discounts for alarm systems, wheel locks, hood locks, and ignition protection devices.
• Safety devices.
  You may receive up to a 30 percent discount in medical coverage for automatic seat belts and air bags. Some states like Florida, New Jersey, and New York require insurers to give discounts for cars equipped with antilock brakes.
• No smoking.
  Smoking is considered high-risk behavior. Nonsmoking drivers may receive discounts on liability, medical benefits, and collision.
• Long-time customers.
  Some insurers reward long-time customers with auto insurance discounts and other money-saving programs.
• Car and home.
  Insuring your vehicle with the same carrier you use for homeowner's insurance will sometimes earn you a nice discount on both.

There are auto insurers that specialize in working with active service men and women, commissioned officers in the military, and government employees. How do you find them? The Internet can be a valuable help. Surf the Net often to find military car insurance discounts for retired service personnel and veterans, and auto insurers that offer a host of discounts for military families of active and veterans in all ranks and segments of the military.