Special Insurance Considerations for Members of the Military

If you are a member of the military, there are special insurance considerations you need to think about. Whether you are concerned about car or home insurance policies, there are some questions that you need to ask. Many insurance companies will make special arrangements with members of the military to meet their changing needs. If you are comparing quotes online, make sure to let the company know you are in the military.

One of the biggest considerations is how you will pay your premiums if you are deployed on short notice. You may want to plan ahead for this type of situation and have your payment automatically drafted from your bank account. This is the easiest way to make sure your insurance policies stay in effect even while you are deployed. If you are hoping to save some money on insurance while you are out of the country, this might be possible also. For example, if you will not be driving your vehicle, but leaving it in a storage facility, you may be able to make changes to your policy and save some money. As a member of the military you deserve special insurance considerations, just make sure you ask for them.

If you know that you will be deploying soon, now might be a great time to shop for new rates on your insurance policies. Members of the military can often qualify for special discounts because of their service to the country. When you go online to compare rates, make sure your military status is highlighted. You want to make sure your insurance remains in effect while you are gone, otherwise you may have a hard time getting insurance when you get back. Go online and compare rates with multiple companies and start saving money today.

Special Car Insurance Considerations for Members of the Military

Car Insurance for Military MembersThe rate of your insurance can be determined by the kind of vehicle you have. While providing a quote for you from the Alabama car insurance company, theft rate and vehicles value is always considered. Its not only Alabama car insurance company which considers this but many car insurance companies do. Your insurance cost may increase depending upon the area of residence which is another important factor. If you are living in a rural area, your insurance cost will be less when compared to living in a city. This is because in cities, cases like damage of the car due to violations, accidents will be more. How often you drive your car also determines your price of the car insurance because the more you drive more chances are there of meeting with accidents. If you are involved with the accident or traffic violation you will be charged high price.
You can suspend your car insurance coverage to save some premium amount if no one is driving your car for a long time. Many car insurance companies do not allow the coverages to be suspended.

  • You can suspend your car coverages by contacting your state insurance department and also your agent for policy limitations and specific laws applicable in Alabama. When you are deployed, contact your agent to know whether the coverages like collison, liability, medical payments, uninsured/underinsured and personal injury protection can be suspended or not.
  • To avoid yourself from being fined for failure on maintaining insurance, you will have to file an affidavit on non-use of motor vehicle to your state departm. If you have suspended the coverage, money will not be recovered if your vehicle is damaged due to weather, flood or vandalism, hit and run case.