Emergency Deployment Auto Insurance Discount for Veterans

It’s not uncommon for members of the military to be deployed. However, deciding what to do with your vehicle while you’re away can be challenging.

Although many insurers offer military discounts on auto insurance, only Geico offers an auto insurance discount for deployment. You can earn up to a 25% discount if your deployment meets certain requirements.

It may be tempting to cancel your auto insurance while deployed, but that leads to higher rates when you return, and any vehicle damage isn’t covered, so it may cost you more in the long run if you have to pay for costly repairs out of pocket.

Keep reading to learn more about earning a deployment discount for auto insurance and other savings methods.

What are emergency deployment auto insurance discounts?

Many auto insurance companies offer military discounts, but not everyone offers an auto insurance discount for veterans during deployment. Only Geico offers a discount on emergency deployment auto insurance for military personnel.

In order to receive the auto insurance discount for veteran deployment, you must meet specific requirements. Once you meet the requirements, you can save 25% on your Geico insurance, in addition to the 15% Geico auto insurance discount for veterans.

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How do you get an emergency deployment discount?

In order to qualify for the emergency deployment auto insurance discount for veterans, you must meet certain requirements.

You can only get the discount if you’re deployed to imminent danger zones, as described by the Department of Defense. You must show orders deploying to one of these zones.

In addition, your vehicle must be stored according to the Geico storage protection plans.

Once you meet these requirements, you qualify for the 25% emergency deployment discount. Geico drivers can bundle this discount with the military discount as well as discounts for membership into certain organizations, such as the Association of the United States Army.

What are other military discounts?

It’s not hard to find military auto insurance discounts. Many insurers offer military-related savings, even if they don’t have specific discounts on auto insurance for veterans on deployment.

This table lists the best companies for veterans auto insurance and if they have a military discount. In addition, the savings amount is listed if it’s known.

Military personnel can bundle specialized discounts with other savings. For example, most insurers offer numerous discounts, such as good driver, multi-car, and vehicle safety feature discounts. Bundling these discounts helps veterans get affordable auto insurance.

In addition, some auto insurance companies specialize in auto insurance for veterans. For example, USAA auto insurance caters specifically to military personnel, so it’s no surprise that they boast competitive auto insurance rates for veterans. Read over our USAA auto insurance review for more information about the company.

How do you insure a car while deployed?

When it comes to deployment and auto insurance, there are a lot of things to consider.

Since you may not be able to take your vehicle with you when deployed, you need to decide what to do with it and your auto insurance coverage. You may think dropping your auto insurance while you’re away may be the best way to save money.

However, it might wind up costing you more. Auto insurance companies like to see a history of continuous coverage to show that you’re not a risky driver willing to drive uninsured. Although some companies don’t count a deployment against you, most will raise your rates if you have a lapse in coverage, so avoiding a lapse in auto insurance coverage during deployment is a good idea.

So while you may save money during your deployment by canceling coverage, you’ll spend more when you get home with higher insurance rates.

In addition, any damages to your vehicle won’t be covered. If someone drives your car while you’re gone, you need at least minimum coverage. While minimum coverage meets your state requirements, it typically only includes liability coverage.

On the other hand, if your car is stored, you may only need comprehensive coverage. Comprehensive coverage pays for damages unrelated to an accident, including fire, theft, vandalism, and acts of nature like hail, falling debris, and floods. If you don’t have comprehensive coverage and your vehicle is damaged, you’ll pay for repairs yourself.

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What are other ways veterans can save on auto insurance while deployed?

In addition to discounts on deployment auto insurance for military personnel, there are other ways to lower rates.

First, take advantage of all discounts available to you. In addition to emergency deployment and military discounts, you may qualify for other savings to bundle. Common savings include multi-policy, multi-car, paid-in-full, good driver, safety features, and defensive driver discounts.

Next, reconsider your coverage. If no one drives your car while you’re deployed, consider reducing coverage to comprehensive only. This still protects your car from non-driving damage, but it’s much cheaper. In addition, raising your deductible lowers rates.

Also, improving your driving record and credit score helps lower rates.

Finally, shop around for cheap auto insurance for veterans. Since each company calculates rates differently, compare quotes from multiple insurers to find your best deal.

Emergency Deployment Auto Insurance for Veterans: The Bottom Line

Finding discounts on deployment auto insurance for veterans may be challenging since only Geico offers the 25% savings. Additionally, you must meet specific requirements to qualify for the emergency deployment discount.

However, many auto insurance companies offer military discounts. Bundle those savings with other standard discounts to save the most.

While you can cancel auto insurance while you’re deployed, doing so leads to higher rates when you get home. Auto insurance companies increase rates significantly if you have a lapse in coverage, but some companies may overlook the lapse if you’re deployed.

In addition, canceling auto insurance means you have to pay for repairs if your vehicle is damaged while stored. It may be cheaper to lower coverage while you’re away than to cancel coverage and pay higher rates when you return.

The best way to find cheap veterans auto insurance is to shop around. Compare rates and discounts from multiple companies for affordable rates with the coverage you need.

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