Get A Car Insurance Military Discount Today

A military discount on car insurance is a special rate reduction many insurers offer to recognize the dedication and discipline of military members. This discount reflects the typically safe and responsible driving habits found among service members. Several major insurance providers offer military discounts along with other ways to reduce your premiums.

For Californians, car insurance discounts for drivers can lead to significant long-term benefits. However, many who qualify for savings may not fully understand how they work or how to make the most of them. Keep reading to learn more, and remember that, at Cost-U-Less, you’ll always have a friendly local agent ready to help you lower your policy expenses.

Qualifying for military car insurance discounts can vary slightly between providers, but in general, the following individuals are eligible:

• Active-duty military personnel
• Veterans and retired military
• National guard and reserves
• Sometimes military spouses and dependents (subject to carrier rules)

To apply for your auto insurance military discount, you’ll usually need to supply proof of military status.

While many members are eligible, there are cases where you may not qualify for a military discount on car insurance. These include:

• Individuals without verifiable military documentation: If you cannot provide official proof like military ID or discharge papers, insurance companies will not apply the discount.
• Inactive or former service members without honorable discharge: Those with dishonorable or other types of discharge status typically are not eligible.
• Civilian employees at military bases: Contractors or civilians working on bases usually do not qualify because they are not active or veteran service members.
• Military members not listed in the carrier’s eligibility: Some insurers may limit eligibility to active duty only, excluding reserves or National Guard unless called to active duty.
• Dependents or family members on separate policies: Family members insured on separate policies may not get the same discount unless specified by the insurance company.
• Service members in other countries without U.S. military status: Carriers usually require proof of U.S. military service, so foreign military members are typically excluded.

Understanding who does not qualify helps avoid confusion and ensures you focus on savings appropriate for your situation.

The amount you save varies widely depending on your location, insurance company, vehicle type, driving record, and coverage needs. On average, though, military discounts reduce premiums by approximately 10-15%.

The good news is that you can add up to two or three discounts to your policy, depending on your provider’s rules. For example, an active Navy officer in San Diego paying $150 per month could apply a 12% military discount combined with a 10% good driver discount, reducing the premium to approximately $115 per month. This represents a total savings of about 23%, or $420 annually. Meanwhile, a veteran living in Sacramento with a $130 monthly premium might combine a 15% veteran discount and a 5% multi-policy discount, dropping the premium to about $103 per month, for a total savings near 21%, equivalent to $324 annually.

These are some of the documents that insurance companies might require to grant auto insurance military discounts:

• Military ID Card (Active Duty / Reserve)
• DD-214 or Discharge Papers (Veterans)
• Deployment or PCS Orders
• National Guard Membership Verification
• Military Academy or ROTC Documentation (where applicable)

Here’s how to get started with your car insurance with military discount:

Step 1: Check Eligibility

Gather your military documents like your military ID card, deployment orders, or DD-214.

Step 2: Request Quotes

Contact various insurance providers to obtain quotes and ask if you can get a military discount for car insurance. To make this process easier, contact a Cost-U-Less agent and we will do all the hard work for you, finding the plan and the best discounts you qualify for in just a few minutes.

Step 3: Compare Offers

Use your quotes to compare rates, coverage options, and additional discounts.

Step 4: Purchase Your Policy

Choose the best policy for your budget with the discounts you deserve.

Remember, our bilingual agents will guide you through this entire process to make it easy and hassle-free.

Besides applying for your military discount auto insurance, here are some ways to save more on your coverage premiums:

• Bundle policies: Combine your car insurance with renters, homeowners, or other plans for additional discounts.
• Maintain a clean driving record: Good driving habits lead to safe driver discounts on top of your military discount.
• Low mileage discounts: If you are deployed for extended periods and your vehicle usage decreases, some insurers will reduce your premium further.
• Multi-vehicle discounts: Insure multiple family vehicles on the same policy for lower rates.
• Safety features: Cars equipped with airbags, anti-theft devices, or modern safety tech may qualify for further discounts.