Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Military personnel enjoy cheap auto insurance rates together with their families and veterans
  • Insurance providers can slap military personnel with hefty fines if they relocate without making prior provisions in their special coverage policies
  • Military officers enjoy emergency deployment discounts that also apply when deployed to imminent danger areas
  • If you chose to leave your car behind, you must keep it under your insurer’s approved storage protection plan

Many insurance providers in the U.S. offer cheap car insurance rates for the men and women in the military forces.

It’s a way of thanking those who put their lives on the line for their country and also rewarding the maturity and discipline levels developed by the military personnel, even the young drivers.

Discounts apply even to veterans and spouses or adult children of the serving military staff.

Discounts are offered this cadre of consumers due to frequent deployment situations that they experience every now and again. If you don’t get special coverage, the insurer may penalize you with higher rates if you change location without prior arrangements.

In the past, service members deployed overseas had a difficult time maintaining their policies and would often choose to discontinue their coverage.

However, the insurance companies now give a waiver on your car insurance policies enabling you to continue enjoying the discounts overseas and when you return home.

If you are affiliated with the military and in need of more affordable auto insurance rates, start comparison shopping today! Enter your ZIP code above!

Is it wise to discontinue your policy?

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No matter where you’re deployed overseas, the best decision is to talk to your insurance company and continue with your coverage. That way you’ll keep enjoying low premiums and attractive discounts.

If you choose to discontinue your policy, your rates may rise dramatically. When you return home, you may be surprised by the large amounts of premiums insurance firms will charge you.

The following are scenarios that may happen when deployed overseas.

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You are Overseas and Your Car is in the U.S.

According to the Department of Defense, over 10 percent of the 1.4 million U.S. troops are deployed overseas every year. The majority of them are in Japan and Germany, contrary to the prevailing opinion that troops are only deployed to war zones.

Depending on where you’re going to overseas, you may need to bring your car along. However, for hotspots like Iraq and Afghanistan, you may not have that option of shipping your vehicle along.

Many officers find it easier to pack their cars for the duration they’ll be away, as opposed to letting someone else use it. That way you can drop all your coverage except the comprehensive coverage to cater for losses from natural disasters or fires.

The problem arises when you fail to acquire a state required liability cover and you may be forced to turn in your registration and license plates.

When you return home, you will have to re-register your car and obtain new insurance coverage.

The best alternative is to lock your vehicle in a secure garage and keep your coverage running. That way your car is adequately covered and you don’t need to turn in the car tags and registration.

When you return, you can receive as much as 70 percent discounts from some insurer.

You’re Moving with Your Car Overseas

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