Apply this checklist for getting military auto insurance fast
Be sure to have the answers to these questions on hand when you're ready to apply for your discounted military auto insurance:
Make, model, and year of car. How many doors your car has, whether it has two- or four-wheel drive, and the engine size in cubic inches are all considerations.
Where you live. People in large metropolitan areas tend to pay more for car insurance than people who live in rural areas. People with certain ZIP codes or who live in certain areas within a city pay more than others.
Driving record and experience. You'll be asked about any history of accidents and traffic violations.
Age, gender, and marital status of drivers. Men often pay more than women. Younger drivers often pay higher premiums. Generally, unmarried men under age 25 pay the highest premiums.
Length of time licensed within a state. The longer you are licensed, the better for your auto insurance rates....sometimes.
Driver training course for new drivers. Have any new drivers taken a driver training course.
What the car is used for. Drivers who use their cars for "pleasure" pay less than those who use them for commuting to work.
The number of miles driven each year. Some insurers ask for daily and annual mileage averages. Lower mileage....lower auto insurance rates.
The number of cars to be insured. Including two or more cars on the same policy can save you money. Many military families are two and even three car families, once your teenager becomes of driving age.
Home ownership. Homeowners can oftentimes get their auto insurance with the same insurance provider they use for homeowners insurance, umbrella insurances, and other insurance policies, and save money on their auto insurance bu doing so.
Employment history. Insurance companies are particularly interested in how long you have been with the same employer.
Smoker or nonsmoker? Whether or not the driver smokes makes a difference in just about everything you try to insure, including your cars.
Where the vehicle is kept. Cars kept in garages usually cost less to insure.
Safety features. Cars with antilock brakes and air bags often cost less to insure than cars without these features. Auto insurance rates can also be lowered if your car has anti-theft features as well.
Credit history. Insurance companies may inquire whether you have been denied credit within the last 12 months.
Be sure to also bring a current copy of your driver's license, vehicle registration, and vehicle identification number. And, knowing what type of insurance coverage you want will move the process along faster. Do some research on the costs of insurance before you consult your auto insurance provider.
