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In an effort to show appreciation to those who serve the nation, especially in defense, many private industries offer special deals, discounts, and bonuses to Veterans. Veterans in particular qualify for a variety of specific Veteran auto insurance deals, especially the popular USAA insurance for Veterans. Veterans should know that they may be eligible for many different military discounts, and they should compare policies from different companies to find the best coverage and rates, including those offered by companies like USAA, GEICO, and State Farm. Several providers even offer specific disabled Veteran car insurance for those with a service-connected disability. Car insurance for Veterans usually comes with standard benefits, such as roadside assistance, uninsured motorist coverage, and personal injury protection, while also giving special bonuses for conditions unique to the military, such as the need to relocate frequently or discounted rates for those living on disability income. Read on to learn which of the best auto insurance for Veterans policies work for you.
What is Veteran Auto Insurance and Who is Eligible?
“Veteran’s auto insurance” refers to car insurance policies and discounts specifically tailored for Veterans and their families, often offered by companies like USAA, GEICO, and Liberty Mutual. Specific auto insurance for Veterans is important to this demographic because it helps Veterans navigate the financial and practical aspects of owning a vehicle, offering coverage for accidents, potential uninsured or underinsured drivers, and other situations, while also providing access to discounts and specialized policies tailored to their needs. Veterans can find car insurance policies similar to those available to the general public, with options like liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection, often with military-specific discounts or benefits. Disabled Veterans in particular are in need of discounted insurance and policies that cover modified vehicles needed to accommodate their disabilities.
It is important to note that Veteran auto insurance, especially disabled Veteran car insurance, might differ from regular insurance policies offered to the military in a variety of ways, which this article focuses on. To read more about the “Best Military Auto Insurance”, click on this link. Car insurance for Veterans, such as USAA car insurance for Veterans, focuses more on the kind of insurance a person needs once they leave the military. Veterans who served for several years might qualify for greater benefits, such as those offered under the Geico Veteran discount. Most companies require at least 24 months of active duty service to qualify for these discounts.
Best Auto Insurance for Veterans: A List of Top Providers
Veterans frequently face various specialized insurance needs, particularly if a service-connected injury has rendered them disabled. Often, rates for Veteran auto insurance are significantly lower than those for civilian insurance, and disabled Veterans receive additional discounts. Veteran car insurance takes into account any modifications needed for automobiles due to a disability. Many companies provide auto insurance quote Veterans special deals to Servicemembers. Specifically, USAA is a dedicated Veterans car insurance company specifically for military personnel, with USAA car insurance being some of the most affordable on the market. Auto insurance for Veterans provides low premiums, flexible coverage options, and tailored policies for Veterans. Some companies that provide the best auto insurance for Veterans are as follows:
USAA provides comprehensive coverage to Veterans and their families. The policy provides discounts for maintaining a clean driving record, parking automobiles on military installations, bundling car insurance with house insurance, driving vehicles equipped with anti-theft technology, and offering comprehensive coverage. USAA car insurance includes theft, liability, and collision coverage.
Geico provides significant benefits to Veterans through the Geico Veteran discount program, including up to 15% reductions on auto insurance and storage protection plans, as well as specialist customer service and flexible insurance alternatives.
Progressive does not offer specific plans for Veterans, but they do provide certain benefits to military members, including comprehensive coverage for vehicles stored on military bases and flexible coverage periods. Progressive does offer policies for disabled drivers, such as disabled Veterans, including coverage for vehicle modifications.
While State Farm doesn’t offer specific military discounts, it’s known for having competitive rates, potentially making it a good option for Veterans seeking affordable car insurance. State Farm offers 20% off premiums for military members in Louisiana, which has state-specific laws requiring car insurance providers to offer military discounts, but this discount is only available in this state. In some instances, policies offered by State Farm even undercut rates offered by USAA to Veterans.
Nationwide does not offer specific policies for retired Veterans or disabled Veterans, but they do offer benefits to military members, such as the ability to bundle home insurance with car insurance for more affordable rates and discounts for clean driving records.
This agency does not offer its own insurance policies to Veterans, but rather helps Veterans find affordable policies from a variety of competing vendors. AFI assists Veterans in finding the right insurance for them and also offers 24/7 assistance as needed.
MetLife does not directly offer auto insurance or military-specific auto insurance on its own. Instead, it works with Farmers GroupSelectSM to provide auto insurance plans to Veterans. There is liability, comprehensive, and collision coverage in these plans. There is also coverage for uninsured and underinsured motorists, personal injury protection, and rental car coverage.
Esurance does not provide military-specific auto insurance for Veterans, but they do provide competitive rates and comprehensive coverage for clients, some of which are more affordable than other military plans offered by competitors. Esurance provides standard auto insurance coverage, including liability, collision, and comprehensive, as well as other options like emergency roadside service and rental car coverage.
The Hartford, through its AARP Auto Insurance Program, offers Veterans discounts and benefits, including a 10% discount for AARP members over 50 and coverage options specifically for AARP members, plus the option to bundle home and auto coverage for potential discounts.
Allstate offers up to a 15% discount on premiums for all military members and 25% off for those living in Louisiana. Veterans can bundle home and car insurance together for even greater discounts.
Farmers Insurance offers car insurance benefits for Veterans, including discounts for Servicemembers and Veterans, as well as discounts for bundling policies, going paperless, paying on time, being a homeowner, and installing anti-theft features.
Liberty Mutual offers car insurance benefits for Veterans, including a 10% discount for members of the Military Benefit Association and potentially additional discounts for members of organizations like the Veterans of Foreign Wars (VFW) or the American Legion.
Factors to Consider When Choosing Auto Insurance for Veterans
There are many long-term needs that Veterans might have when choosing auto insurance after transitioning to civilian life. When choosing auto insurance, Veterans should consider factors like military discounts, coverage types, deductible adjustments, driving record, location, and customer service, as well as researching companies that cater specifically to military families. Veterans with disabilities should consider how their Veteran auto insurance covers their post-service lifestyle. For example, do they need vehicle modifications to accommodate a disability, and does their Veteran’s auto insurance cover this? Many Veterans are on disability income due to an inability to work following a service-connected disability; therefore, the best auto insurance for Veterans that they choose should offer affordable premiums and discounts. Many companies that offer car insurance for Veterans provide policies that cater to these needs.
Anyone looking into disabled Veteran car insurance should also consider how their needs might change as they get older. If they have teenage drivers in their home currently, this might raise their premiums and require new driver coverage, but in later years, they will not have teen drivers but might have greater disabilities due to aging with permanent injury. A Veteran car insurance company like USAA offers policies for Veterans that address these concerns through premium affordability, customer service, and flexibility.
Frequently Asked Questions
If you have further questions about Servicemember auto insurance and specific types of coverage, you should speak with a qualified agent who can point you in the right direction for the best auto insurance you require. In the meantime, here are some common questions about Veteran auto insurance policies specifically for Veterans.
Yes, many auto insurance companies offer discounts for Veterans, active-duty service members, and their families, including companies like Geico, Liberty Mutual, and USAA car insurance. In Louisiana, a new law mandates a 25% discount for eligible military personnel, including Veterans with a 50% or higher disability rating.
Yes, many auto insurance companies offer discounts for Veterans, active-duty service members, and their families, including companies like Geico, Liberty Mutual, and USAA car insurance. In Louisiana, a new law mandates a 25% discount for eligible military personnel, including Veterans with a 50% or higher disability rating.
Generally, car insurance for Veterans isn’t inherently more expensive than regular insurance, but military status can influence rates through discounts offered by some insurers and the availability of specialized coverage. In fact, car insurance Veterans discount programs often make these policies cheaper.
In most cases, those with Veteran status often enjoy many benefits and discounts when seeking Veteran’s auto insurance. Very rarely does Veteran status cause problems or hardships for those seeking affordable auto insurance.
Yes, after leaving the military, you can switch your auto insurance to a Veteran’s auto insurance plan, such as those offered by USAA or GEICO, or explore options through organizations like the Military Benefit Association, all of whom help Veterans find affordable Veteran’s auto insurance.
Disabled Veterans may be eligible for special auto insurance benefits and special auto insurance for Veterans, including an automobile allowance for a specially equipped vehicle or adaptive equipment grants, if their disability is service-connected and meets specific criteria through the VA. USAA offers special disabled Veteran car insurance as a dedicated Veterans car insurance company. USAA insurance for Veterans is considered to be the best for disabled vets.
To obtain Veteran auto insurance discounts, you’ll likely need to provide documentation verifying your military status, such as a DD-214, a Common Access Card, or a letter from your commander, depending on your specific situation. Each provider will have its own requirements, and Veteran’s auto insurance from Liberty Mutual might have different requirements than USAA car insurance requires.
Some insurance companies, like USAA Veteran’s auto insurance, offer specific policies or discounts for Veterans with multiple vehicles, often through multi-vehicle discounts or specialized programs. Speak with an agent for auto insurance quote Veteran information on different providers who can offer this feature.
While there isn’t a specific “Veteran discount” solely for having a clean driving record, many car insurance companies, including those that cater to military members and Veterans, offer discounts for good driving habits, which can include a clean record. USAA, Geico, and Progressive all offer auto insurance for Veterans that includes a car insurance Veterans discount for a clean driving record. Contact individual providers for auto insurance quote Veterans specials and ask directly about this service.
No, there is not an age limit or requirement to qualify for Veteran auto insurance or discounts.
Yes, Veteran auto insurance policies, like most standard auto insurance, often cover rental cars, typically with the same coverage limits and deductibles as your own vehicle.