Armed Services Workers Save On Insurance

By Author: Marcus Stalder
Total Articles: 491
Comment this article

Military jobs are stable, but the lifestyle sure isn't. Especially in this time of war, personnel are constantly being deployed, transferred, and moved around the country for various reasons.

For many in the armed services, family is the primary concern.
While you'd like to worry about grander things, insurance will always be a concern unless you deal with it immediately. If you move and your family stays behind, you have to make sure their vehicles are covered and the payments are made on time. Single folks will have to either cancel their insurance or find a way to keep making absent payments.
Unless, that is, you get a special policy for military personnel! Men and women in uniform can actually get huge discounts and special agreements to meet their specific needs.
Prep Your Info

Before you get quotes or talk to an agent about one of these special policies, you are going to have to have some information handy.

Classification

Let them know if you are listed as active, reserved, retired, etc.

Time of Duty

They are going to want to know the schedule for you and for ...
... the vehicle. For example, when you will be out of the country and if someone else will be using the vehicle at that time.

Potential Personal and Vehicle Risks

Anytime you go to another part of the world or country, you take on very specific risks endemic to those areas: vandalism, theft, monsoon, hurricanes, tornadoes, earthquakes, volcanoes, fires, floods, etc. Your coverage will need to be updated for these things. If you know you will be moving, tell your insurer that you will need coverage for these things beforehand.

Deductibles

Just like standard car insurance, you will have to set a deductible to determine your premiums. Paying a high deductible will save you on premiums, but if you really cannot afford to pay the deductible should there be an accident, then you aren't doing yourself any favors. Make sure you can set the money aside for that rainy day.

Unique Abilities and Skills

Any special training you might have when it comes to motor vehicles might entitle you to a discount. Don't hesitate to let your insurer know - what's the harm? If you have any certificates or badges or any other form of proof, have that ready. Seek out discounts at all opportunities.
Emergency Deployment Clause

An emergency deployment clause protects you if you are suddenly and unexpectedly deployed. Normally, you would have to pay penalties to cancel a policy or coverage suddenly, or even to change it. These clauses let you set a special arrangement for what to do with your auto insurance policy should you be transferred or deployment to another country or state suddenly. With this, you can terminate the policy with no monetary penalty!
Finding a Provider

You have plenty of options here:

* Normal Civilian Coverage
* Military Companies
* Government Coverage
* Government Employees Insurance Company

In any case, comparing auto insurance quotes will definitely help you find the lowest rate. Auto insurance quotes can also be helpful for locating discounts and specific clauses in policies. It's quick, easy, effective, and free, so give auto insurance quotes a shot today!