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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 24, 2021

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The lowdown...

  • When you’re shopping for a new policy or looking to replace your current one, you should always start to look for specialized coverage sold at a discounted rate
  • Disabled veterans may be eligible for savings through carriers that strictly do business with military personnel
  • Some personal insurers offer their veteran policyholders discounts for their service
  • Always got quotes from an insurance carrier that has a producer’s license in the state that you reside in
  • Sit down with an agent or do homework online to in order to budget and figure out what type of coverage you’ll be able to afford

Disabled American veterans have sacrificed a lot to serve our country. They went through deployment in order to fulfill a duty to our nation. To honor a veteran’s service, a number of different respectable companies offer all military personnel, both current and retired, benefits and special discounts.

It’s very important that all veterans, whether they were injured in the line of duty or not, take the time to shop the marketplace.

One of the larger discounts you can receive for your service is going to be when it comes to what you pay for an auto policy. Since insurance is a financial tool that you can’t live without, it’s important to find an addition to your portfolio that won’t break your budget.

Compare quotes for car insurance today by entering your zip code above.

Here are some tips to consider when shopping for car insurance as a disabled veteran:

Are there companies out there that offer services for military?

Transitioning from active duty life while in deployment to civilian life can be very difficult, especially if you were injured during your service.

Not only do you have to discover how to live life as a civilian, you also have to take care of business all while you’re trying to heal from your injuries.

One way to build a portfolio full of all of the best coverage rates and solutions is to do business with a company that caters to clients just like you.

There are companies that offer special reduced personal car insurance exclusively to active members of the military, veterans and their families. Currently, USAA is the most popular exclusive insurer.

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Should you look into companies to see if they provide discounts?

USAA is known to offer extremely low rates to disabled veterans and other active-duty personnel but that doesn’t mean that it’s the only carrier that had competitive rates.

While there aren’t many exclusive insurers that sell solely to the military, there are several different companies that offer a military discount and various programs. They’ll take a look at things like deployment, if you live on a military base, or if you’ve already served and are now a veteran. Driving should be a protected act of life for people who were once the protectors.

Since there are hundreds of companies that provide tantalizing rates for veterans and military alike, navigating through all of your options can be a tedious task. Auto insurers and other companies may seem like they ask a lot, needing a lot of personal information like your driving record and where you’re currently living, but it’s only to end up giving you the best rate possible.

The only way to find a good deal on your coverage is to shop around and look for services that are specific to your needs. They’re going to vary for active-duty military members and veterans. Here are a few carriers that are known to offer you access to military discounts and programs:

  • Esurance – offers special services for active military and cancellation fee waivers for members who are deployed
  • Geico – offers a 15 percent discount to military members and veterans along with special military pay plans
  • Armed Forces Insurance – offers special rates to military personnel and identity theft protection to members
  • AARP – offers you discounts for being a member of the AARP and also for being a retired disabled veteran
  • Farmers – offers special discounts for military personnel
  • Nationwide – offers veterans members-only discounts that are already applied to your final policy premium on your quote

What should you know before you begin shopping around?

So many people pay attention to the price of a quote that they often overlook what the whole purpose of why you want to make sure you and your vehicles are covered in the first place.

Insurance is a solution that was introduced to help people who drive protect their finances if they’re ever in an accident or experience another type of common loss.

If you don’t buy enough coverage, it leaves you at risk of being sued.

Your retirement savings, your pension, or the disability benefits that you receive each month could be eaten up in an instant if you have a crash and someone is injured.

The best way to avoid all of this is to build a custom policy. Here are some of the limits of coverage you’ll need to select:

  • Bodily Injury Liability – coverage that pays for medical bills, funeral expenses, and rehabilitation costs if you are liable for the injury of others
  • Property Damage Liability – coverage that pays for damage repairs when you’re liable for damaging someone else’s vehicle or property
  • Medical Payments Coverage – coverage that helps you pay for your medical bills post-accident if you incur any that aren’t covered by your VA medical insurance
  • Uninsured Motorist Protection – coverage that helps you pay for your medical treatment and other related expenses if someone without coverage hits you while you’re driving, cycling, or walking
  • Comprehensive coverage– coverage that helps you pay to repair or replace a covered car if it’s stolen or damaged by perils like fire theft and vandalism
  • Collision coverage– coverage that helps you pay to repair your car (up to it’s actual value) if you crash into another object
  • Roadside Assistance – coverage to help you pay for towing costs or other expenses for gas delivery if you experience a breakdown
  • Rental Car Reimbursement – coverage to help you pay for a rental replacement while your car is being repaired after a loss

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How do you know how much coverage is enough?

By law, no matter where you live, you have to buy mandatory coverage when you’re the legal owner of a vehicle. It not only protects your vehicle from any imminent danger on the road, but also you and any passengers you may have with you.

Mandatory limits that are required by law are very low, so low in fact that you need to raise these limits for sufficient financial protection.

There’s no law in place that says a civilian or member of the military must buy coverage to protect their own vehicle.

In most states, the compulsory requirements don’t even say that you have to carry coverage like Medical Payments or Uninsured Motorist. Before you choose low limits or decline important coverage, here are some valuable tips:

  • Raise your limits of liability to at least 100,000/300,000/100,000 for adequate Bodily Injury/Property Damage coverage in a minor accident
  • If you suffer a service-related disability, you may get VA healthcare benefits but could still have to pay some out-of-pocket expenses. Consider getting Medical Payments coverage to relieve the burden
  • You could be at risk of getting into an accident with an uninsured driver anywhere. Select at least some low limits of Uninsured Motorist Coverage
  • You’re required to carry comprehensive and collision if the car is financed. If you don’t, you could be fined by your finance company
  • If you need comprehensive and collision coverage, carry higher deductibles so that you can afford the additional premiums

We can’t stress it enough: even if you’re gainfully employed with a competitive salary or pay, you don’t want to underestimate the amount of coverage you may need. After all, it just takes one accident with serious damage to turn your finances upside down. So take the time to do your research and ask questions.

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Can you stack discounts?

If you’re getting a military discount already, it doesn’t mean that you’re not eligible for other types of discounts as well. You can stack them one on top of the other as long as you’re eligible for them.

Not all companies offer the same menu of discounts or savings options. Here are some popular auto insurance discounts disabled veterans should look for:

  • Multi-car Discount
  • Multi-line Discount
  • Homeowner Discount
  • Good Credit Rating
  • Vehicle Safety Discounts
  • Mature Driver Discounts for drivers over 55
  • Good Student Discounts for youthful drivers
  • Anti-theft Discount
  • Membership Discounts through affinity programs

If you’ve had to adapt your vehicle with equipment because of your disability, make sure to let the carrier know before getting a quote.

Whether your deployment is over or not, when you’re ready to get a quote, you can use an online quote comparison tool and get the quick estimates that you need to find the best deal.

Enter your personal information, put your car details, click the military box, and see what type of deal you can find on coverage. Get started with our free car insurance comparison tool today.