Auto Insurance for Military Overseas

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Things to remember...
  • Service members can face special challenges when it comes to car insurance
  • Military members can often save big on auto insurance by using comparison shopping
  • Armed service members can enjoy a wide range of valuable discounts

The U.S. armed forces are made up of millions of members who serve at bases all around the world. Like the rest of the population, these service members need to get around and thus require car insurance to cover their personal vehicles in the event of an accident.

Service members face certain challenges in the car insurance arena but are also often eligible for various discounts that can add up to a lot.

This article will take a closer look at some of the issues that apply to members of the military, and also point out some ways in which auto insurance comparison shopping can result in even greater savings.

Get started finding great saving today by using our free car insurance comparison tool.

Common Car Insurance Issues that Affect Armed Service Members

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One of the most common challenges that face members of the armed forces is the need to move frequently. Military members who are called to active duty or sent to another post can be at a loss as to what to do about their cars and their vehicle insurance.

For example, in some cases, they may be forced to leave their vehicles behind. In other instances, they may need to ship their personal cars to another country. In yet other cases, service members may need to transplant their vehicles from one state to another.

– Some Things to Consider When a Vehicle is Left Behind

Many states enforce traffic laws that prohibit uninsured and unregistered cars from being parked on public streets. Those that are found in violation often get towed and impounded at great expense to the owner.

Luckily, there are many resources available to assist military employees with both insurance and transportation.

Military members who need to leave their vehicles in their home areas are often allowed to park the vehicles at a military base while they serve abroad.

Since some members choose to suspend car insurance coverage while deployed, this option can protect their vehicles from impoundments.

– Some Things To Consider When a Vehicle is Brought Along

Other military members may elect to bring their vehicles along with them on deployment. Some military branches provide free transshipment services for service members.

In such cases, the individual in question would simply need to bring their insurance coverage paperwork along with them to show proof of insurance in their new location.

Some Things to Consider When a Vehicle is Moved to Another State

For service members who are simply moving to another state within the U.S., they would do well to check out the insurance regulations that are in force at their destinations, and then make sure that these coverage items are in place.

For example, an individual who is planning on moving their vehicle from Texas to Hawaii would want to know which coverages are mandatory before embarking on their journey.

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Optional Car Insurance Coverage Items

Non-mandatory auto insurance is up to the individual motorist to make use of.

Even though this is the case, and people can sometimes save a little money by not carrying these coverages, individuals can save a lot more in the long run by being prepared for possible damage to their vehicles.

  • Collision coverage – This auto insurance policy choice provides payments for any damage that is sustained by the insured vehicle during an accident.
  • Comprehensive coverage – This coverage item pays for damages that are caused by collisions with something other than a vehicle and non-collisions.
  • Glass coverage – This policy item pays for the repair or replacement of any damages to the windows of the insured vehicle. Since car windshields are quite expensive and are frequently compromised by debris on roadways, having this provision in place is a wise choice.

Mandatory Auto Insurance Coverage

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These policy items are non-negotiable and must be carried in order to register the vehicles in question.

  • Bodily injury liability – Bodily injury liability pays for the medical care of individuals who are injured in a collision with the policyholder or their insured vehicle. Since even a simple ride to a hospital in an ambulance can cost thousands of dollars, making sure that the bodily injury liability level is as high as possible is a good idea.
  • Property damage liability – This insurance policy offering pays for damage to the property of others that is caused by the policyholder’s vehicle.
  • Personal injury protection (PIP) – This coverage item is the opposite of bodily injury liability and serves to pay the accident-related medical bills of the passengers and drivers of the insured vehicle. PIP can and does prevent the policyholder from facing injury-related lawsuits.

Auto Insurance Savings Options for Members of the Armed Forces

Even members of the armed forces can benefit from making use of the services of a competent comparison shopping website. These online insurance research firms spend a lot of time and effort gathering information about a large number of insurance companies.

Individuals who make the wise choice to harness the power of comparison shopping will not only gain access to valuable information, they will also save a lot of time and effort along the way.

  • Group discounts – Armed forces members are a recognized group, and thus are eligible for special discounts based on their status. Some of these plans can provide qualified members with up to a 20 percent discount.
  • Safe driver discounts – Military members who have maintained good driving records often qualify for safe driver discounts and rebates.
  • Vehicle safety discounts – If the vehicle in use by a given service member has features like curtain airbags, anti-lock brakes, and a driver alertness system, it will usually qualify for safety-related discounts.

Comparison Shopping Sites can Support Troops by Offering Savings and Service

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The many members of the armed forces often make sacrifices in order to perform their duties to the highest level.

Whether they serve on land, in the air, or on the sea, armed forces members are constantly called upon to put their lives on the line in the service of others.

Service members who take the time to comparison shop for their automobile insurance coverage certainly will not have to sacrifice their security while on the open road.

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