Best Car Insurance for Marines

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Car Insurance for Marines

As a Marine, medical and life insurance for you and your family are already covered. What you may not know is that your service can lead to significant car insurance benefits. Understanding the potential discounts and the details of auto insurance policies for Marines is crucial. Let's clear things up and explore auto insurance for Marines.

  1. Cheapest auto insurance for Marines
  2. Auto insurance while on active duty
  3. Where to buy car insurance for Marines
  4. Other ways to save

 

Who has the cheapest auto insurance for Marines?

It’s important to understand that you’re not locked into a contract and can cancel your policy if you find a better rate elsewhere. Many companies value your time served and offer discounts as a way of showing their gratitude. We created a user profile to survey some top insurance options offering the lowest rates for Marines. Methodology here.

Company

6-month Premium for Marines6-month Premium for Other Occupation
Allstate$766$787
Geico$681$710
Farmers$667$679
Nationwide$623$643
Progressive$701$728
State Farm$707$748
USAA$713$740

average rates by occupation

Your service as a Marine can save you approximately $25 per 6-month policy (the greatest occupation discount available). While Nationwide has the smallest premium difference between Marine and another occupation, the company's premium remains the cheapest for Marines. That’s an important consideration while looking for the cheapest insurance as a Marine: although a company might offer a larger discount, their high premium might offset the discount. In other words, don't choose a company specifically because of the discount.

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Handling your auto insurance while you’re deployed

The nature of deployment can create some unique situations for your auto insurance. If you’re deployed and no one will be using your vehicle, you might not want to pay for car insurance at all. Let’s break down your vehicle and auto insurance options during deployment.

Registration

Whether you’re being deployed or simply moving to a place where you will not need your vehicle, you should consider two things: your vehicle registration and your auto insurance. While it makes sense to cancel your auto insurance because you won’t be driving, you may actually run the risk of having your registration suspended.

If you’re going to be deployed for a long period of time and want to cancel your car insurance, you either need to cancel your registration or, if your state allows, “pause” it. Pausing insurance involves submitting an Affidavit of Non-Use or a Planned Non-Operation (PNO) to your state’s DMV. The former states the vehicle will not be driven on public roadways and that its insurance has been canceled. The latter means you will not be using your vehicle during the next renewal year. For more information on this, see your state's DMV.

If you don’t want to totally void your insurance coverage, consider storage coverage. Let’s explore.

 

Storage Coverage

If your insurance company allows it, you can change your insurance coverage to "storage." Storage coverage drops your insurance to comprehensive only. This will typically protect your vehicle against vandalism, theft, and weather-related incidents (like flooding). While you would need to follow the same registration guidelines listed above, this is a good idea if you still want to protect your vehicle. Since the vehicle does not have any collision or liability insurance, it’s a good idea to keep this vehicle stored in a garage or a similar environment.

Bear in mind, this practice varies considerably between companies. Most companies require you to keep one vehicle with at least liability in order for another vehicle to have storage protection. For example, on a multi-person and multi-vehicle policy. If the vehicle is driven primarily by a deployed individual but another vehicle is still used (husband or wife, for example), this coverage option might work for you.

A thing to keep in mind with this option is whether your state monitors vehicle registration. Texas, for example, actively monitors registration by running regular reports to ensure all vehicles that are registered are insured. Because storage coverage isn't registration compliant, you run the risk of having your registration suspended — even if your auto insurance company allows it.

 

Where to buy cheap car insurance for Marines

There are a lot of insurance companies that offer special accommodations for Marines and their families. Some have programs built entirely around past and present military members, and others recognize your Marine status and reward these customers with a discounted rate.

USAA

Probably the most notable provider of car insurance for military members is USAA. The company's clientele consists of active or retired military members, as well adult children or surviving spouses of USAA members. USAA is ranked fairly high in customer satisfaction, placing second in overall satisfaction rate in the 2017 JP Power Insurance Shopping Rating Survey. Available nationwide, USAA offers a few auto insurance discounts for Marines. If you garage your vehicle on a secured military base, USAA offers 15% off your premium. If you’re currently deployed and you store your vehicle in a secured location, you can receive up to 90% off your rate.

GEICO

GEICO was originally created as an insurer for government employees, and it still offers discounts for military service members through its Military Center. GEICO groups active, retired, and National Guard or Reserve members into a general umbrella of military personnel, and gives this group a discount of up to 15%. GEICO also offers an Emergency Deployment Discount for deployed military personnel.

 

Additional Resources and Ways to Save

Here are some additional ways to save and some additional resources to consider when looking for cheap auto insurance.

 

Avoid unnecessary claims

Any claim you make will impact your premium for 3 to 5 years. If you've damaged your vehicle in an at-fault collision accident, consider our steps before speaking with your insurance company.

  • Get an estimate for the repairs at a local mechanic shop
  • Use our State of Insurance analysis to see how much an at-fault accident would raise rates in your state. Consider this surcharge over 3 years. 
  • Compare the surcharge plus your deductible to the out-of-pocket costs. If it is cheaper to file a claim, do that.

In 2018, the average collision claim raised premiums $309 per 6-months — $619 per year. Over 3 years (the total time you will be charged), this amounts to $2,061 in premium increases — meaning, only what you pay because of the accident and does not include your monthly premium. If you have a $500 deductible, the total additional cost of this accident would be $2,561. In this example, you should not file a claim unless the estimate is over this amount.

 

Evaluate your coverage

If your vehicle is over 10 years old or worth less than $4,000, you should consider dropping collision and comprehensive coverage. Because these coverage options are not required by state law and only protect the physical integrity of your vehicle, they are often not encouraged for an older vehicle. Mainly, the payout you would receive is not worth the premium it costs to insure. If you're unsure of the value of your vehicle, use NADA online and Kelley Blue Book.

 

Bundle policies

Keep all your insurance policies within one company! By bundling your home or renters insurance and your auto insurance, you could save hundreds on both policies.

 

Get life insurance

Some auto insurers offer life insurance either directly or through a subsidiary. If they do, this will usually give you multi-policy as well.

 

Shop around

The very best way to make sure you're getting the cheapest rate is to double-check for these types of discounts, but also to shop around every six months. Use The Zebra to shop hundreds of companies at once to find the best rate and coverage for you.

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Recent Questions:

Best Car Insurance for Marines

My son is 19 and is in the service and will be overseas the next month. Is this covered by the definition of exclusion?

As long as you can provide proof of a separate address, you should be able to remove your son from your policy completely. Every company is different so you will need to check with your specific company.

Can I avoid paying for insurance for my car while I am away for active duty military leave?

The reason banks require comprehensive and collision coverage on a vehicle in storage is because it could be damaged by a fire or a collapse of the building in which it is stored. In addition to the bank, Massachusetts requires any vehicle registered in the state to also be insured.

How do I recover my refund if I canceled a policy the day after the renewal?

Most states have a law about recovering unearned premium from insurance providers. Meaning that if you cancel your policy after you've paid your premium, especially at a renewal, you should be able to collect a refund for any days you've paid for after the policy is canceled.

Do I need PIP?

First of all, thank you for your service! It sounds like you have outstanding health insurance for yourself, and potentially your family as well. It may not be necessary in your current situation to carry PIP, but here are a few reasons why it may make sense to add it to your policy: Your health coverage has a high deductible - PIP coverage on Texas auto policies does not have a deductible so, if you are injured in an accident that is your fault, this coverage kicks in immediately. You drive frequently with passengers not covered by your health insurance - Even if you have outstanding health insurance for you and your family, that coverage does not extend to any of your passengers who aren't covered by your health plan.

Additional Resources:

Best Car Insurance for Marines

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