Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Benjamin Carr was a licensed insurance agent in Georgia and has experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. Benji is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jan 19, 2012

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Getting cheaper rates for Navy veteran’s car insurance is a way to take advantage of discounts you have earned by serving your country. If you have also managed to keep a good driving record, you can expect to see even better rates for your auto insurance policy. Regardless of whether you are a retired Navy veteran or are still enlisted in active duty, you should find out if you qualify for more affordable auto insurance rates.

To save money on your car insurance, you have to be careful not settle for too little coverage. One common mistake drivers make is settling for less coverage in order to save money. By finding Navy veterans car insurance quotes, you should be able to have plenty of coverage. The first thing to do is find out what is required by your state for minimum insurance amounts and then decide how much more you want for your coverage. If your car is financed you should also find out what your lender’s minimum requirements are to keep your policy up to their standards and guidelines.

Understanding the Basics of Navy Veterans Car Insurance Getting Better Rates for Navy Veterans Car Insurance

Just like civilians, as a Navy service member, you are expected to maintain a minimal amount of car insurance. In fact, it is important to avoid any lapses in your coverage. A gap of auto insurance coverage of 30 days or more will result in you paying higher premiums when you finally do get your insurance in order.

Other things to avoid that can increase your rates:

A financed car, especially a sports car or convertible, will be more expensive to insure. Even the color of your vehicle can drive up your Navy veterans car insurance rates. If you are planning on buying a new vehicle, be sure you find out what your insurance premiums would be before agreeing to make the purchase. Drivers often make the mistake of getting into a large monthly car payment and then finding out the monthly premium will be just as high.

Clean up your driving record if possible. Make sure your policy is up to date and all accidents or tickets from three to five years old are removed. Also if you should receive a ticket, see about going to traffic school to have the ticket removed from your record. You may have to pay a bit more to take this option, but the savings on your insurance should balance it out.

Don’t buy a car without safety features. Or if you do acquire a vehicle without these features plan on adding them later. Whether it is an anti-theft system or anti-lock brakes, either one protects your car and you as the driver. In turn, you will see lower insurance rates as a result.

Getting lower rates as a driver who has served in the military is not a complicated process. By simply supplying your zip code to begin with you can gain access to competitive Navy veterans car insurance quotes and make a wise decision.