When it comes to the best car insurance for veterans, former members of the US military have many options to choose from.
Your own driving history and who may be insured under your insurance are both factors that can affect your policy options and costs.
Whether you are ready to use your military experience to find the best, shop or you are not even sure how to find the best car insurance as a veteran, it is important to start with two tasks.
First, find out what type of car insurance is available and how it meets your needs. Second, shop around to understand how offers from different companies compare.
The guide below gives you an edge on doing both of these things.
How much does car insurance cost for a veteran?
Car insurance never comes with an easy to follow price list as prices can depend on a large number of factors.
Veterans insurance – just like car insurance for everyone else in the country – is priced based on a complex mathematical equation that takes into account a variety of factors.
And the best car insurance for veterans is not always the cheapest option – especially when you consider the entire car cost.
For example, if you pay a very low premium but choose a high deductible and an accident occurs, the total amount you pay in your pocket that year may be higher than expected.
Some things other than your military history t hat can affect your premium amount – up or down – include:
- Your age
- Your gender
- Your driving history
- The value of your vehicle
- Your credit history
- Who else will be insured to drive your vehicle
- How many miles you drive on average
When it comes to veteran insurance, your military history does not drum up all these other factors either.
While some companies offer a veteran discount, the total premium cost is first calculated on all of these factors.
For example, if you have a military history but you are a young male driver, your insurance may cost more than an older driver with a military history.  In some cases, your military rebate may only come into play if you also encounter other factors, such as having a clean driving record for a certain period of time.
While it's best to shop and get a quote on veterans' insurance to get a better idea of the costs, we've made it work to provide you with the information you need to find the right plan for you.
For this purpose, we have collected some information on car insurance rates for veterans in California:
- A male driver with 9 to 15 years of driving experience and a pure driving history can expect to pay between 1,300 and 3,500 dollars annually for a standard policy (full) for a Toyota Highlander.
- A female driver with 6 to 8 years of driving experience and a clear driving history can expect to pay between $ 1,800 and $ 6,000 annually for a standard Honda Accord policy.
Companies with the best car insurance for veterans
Where you buy your veteran insurance is up to you when it comes to vehicle protection.
Whether they offer a discount to be a veteran or not, insurance from the companies below may be a good place to start your search.
Progressive does not offer a specific discount for veterans, but you can get up to $ 130 in discount for being a good driver.
The Snapshot program tracks your driving habits and adjusts prices appropriately.
Veterans who used VA mortgages to become homeowners can also save an additional 5 percent by combining property and vehicle insurance through progressive and secure driver discounts on top of the Snapshot program allowing you to save up to one-third of your premium cost if you do not have any traffic offenses or accidents within a three-year period.
The insurance company is also known for transparency in pricing. When you get a quote from them, they also show you a quote for your competitors, making it easy to make a well-educated choice.
QuoteWizard is a marketplace rather than an individual insurance company.
It allows you to enter basic information via an easy-to-use online guide to get information on the best car insurance for veteran quote in your case.
By working with more than 40,000 local insurance brokers across the country, QuoteWizard can provide some fairly comprehensive listings, making it an ideal place to start if you want to get laid. of the land in terms of vehicle insurance costs.
You do not have to enter any personal information to get started, so there are no risks in the process.
Esurance offers a 5 percent discount on car insurance just to start the quote process online, which is an easy way for veterans or anyone else to save money on car insurance.
If you do not know the name, do not worry – Esurance is an Allstate arm, so it is supported by solid financing and is a well-known and well-known name in personal insurance.
You can make other discounts for multiple drivers and cars, and the company offers DriveSense, an app-based program that helps you save money to be a safe driver.
Registration in a defensive driving course can also save money with Esurance.
4. Liberty Mutual
Liberty Mutual has a large average savings campaign for drivers who switch from other insurance companies, and it is one of the few companies that let you pay per mile, and base your premium costs mainly on how much you drive
It is an excellent option for veterans with family in other states who can drive more often and longer distances.
Liberty Mutual is also known for having a simple claim process, and its policy is quite comprehensive so you can choose from different coverage options.
Allstate is one of the leading auto insurance brands in the country, and veterans can find standard and comprehensive coverage for their vehicles along with life and personal property insurance options.
If you cover coverage with Allstate, you will save some money and you can also get discounts for theft protection and being a safe driver.
Allstate has a unique program that actually pays you to drive safely.
It works by reimbursing part of your premium: for every six months that you go on the road accident-free, Allstate sends you a check. And with a large network of local agents, Allstate is a great choice for those who prefer to meet their insurance agent face to face.
Travelers is another large company with many options, and you will also have access to discounts if you collect several types of coverage.
A 24/7 reporting tool helps you stay in touch at all times. an accident occurs, and the brand's strong financial rating means they will remain there to handle your needs for a long time. You can save extra money by going green with a hybrid vehicle thanks to the company's discounts on hybrid and electric vehicle coverage.
USAA is only available to active or retired military members and their families.
It offers a potential discount for veterans or their immediate family members, but you need a clean driving record for up to five years or a vehicle less than three years old to claim it.
You may be able to get a steeper discount if you currently house your vehicle in a garage located on a military base.
By stacking the veteran discount with other offers from the USAA, such as having multiple policies with the company or being married, you may be able to save even more.
USAA has a long history of serving military personnel and their family members and is known for providing excellent customer service.
8. State Farm
State Farm is both one of the largest insurance providers in the country and an online bank, which means that you can streamline your financial processes by working with them for a variety of needs.
Du & # 39; I can also save by collecting life, homeowners and car insurance with the company, which also offers discounts for good driving.
State Farm has a wide selection of brokers across the country, often with several in each city or town, so you can also choose the office you want to work with.
An easy-to-use app lets you manage your insurance and claims processes from your phone, and because State Farm is known for high customer satisfaction ratings, it means you'll likely get answers quickly and accurately when you need them.
MetLife claim to fame in the insurance industry is its sheer perseverance.
The company has been around for more than a century, so you know its finances are probably in order and you can count on it being there when you need it.
In terms of range of coverage options and discounts, MetLif's offerings are fairly standard in the industry, so people looking for the best car insurance for veterans may want to consider this especially if they already have other financial products with the company.
In some cases, MetLife may offer the best value for money, but it may be a good idea to include it in your comparison shopping.
10. Kelly Klee
Kelly Klee is a private insurance broker who works with companies that specialize in affluent markets.
Instead of reviewing alternatives and making decisions on your own, when you get a quote from Kelly Klee, you work with a coverage advisor who gathers information and compiles customized recommendations on what type of car insurance products (and others) you may need.
Kelly Klee is a good option if you are looking for coverage areas that are not usually offered by other companies or if you are confused about all the options and want expert advice.
It's also a good place to start if you're a busy professional who does not have time to engage in extensive comparative shopping.
How to reduce the cost of your car insurance
Vehicle insurance will obviously never be free but you can reduce the cost of coverage as a veteran.
First, always be sure to ask for discounts for military members or veterans – even if you do not see the option when you get a quote or look online, call customer service or your broker to find out if the company offers this discount. Car insurance coverage is complicated and it can be easy to miss a detail like this.
If a military rebate is not an option, do not despair.
Some of the best car insurance policies for veterans do not actually include that type of discount.
Apart from using discounts by collecting insurance types with a supplier, covering several people or cars on one insurance policy, and proving that you are a safe driver, you can reduce the cost of your car insurance policy in some other way:
- Increase your deductible. Deductible is how much you pay in your pocket before your insurance starts to cover damages. Deductibles start as low as around $ 250 to $ 500 for some companies and can go as high as a few thousand dollars. The lower the deductible, the higher your premium.
- Reduces optional coverage on older cars. Most states provide liability protection, but not compensation and collision (the coverage that pays you for damage to your own vehicle if you are in an accident). So if you have an older car and you are not worried about being devalued in an accident, you can save a lot of money by just being responsible for that vehicle. Liability protection can be the best car insurance for veterans who drive older model cars that are not worth much money.
- Add safety features to your vehicle. Many insurance companies offer additional discounts if your vehicle itself is safe; Adding options like backup cameras or alarm systems can reduce your premiums by a few percentage points or more.
If you are ready to start looking for the best car insurance for veterans, you need to have some information at hand when you
In many cases, you do not have to provide complete personal information for a first quote, although some insurance companies eventually want to do so. a credit check.
* While we do our best to keep our site up to date, be aware that "current" information on this site, such as quotation estimates or relevant company information, may only be accurate from the last day of editing. Huntley Wealth & Insurance Services and its representatives do not provide legal or tax advice. Contact your own legal or tax advisor.