U.S. service members often receive discounts on military car insurance not offered to the public. You can save hundreds of dollars a year or more on car insurance premiums if you are enlisted in a branch of the military. If you deploy to an area where you are eligible to receive imminent danger pay, your discount could be even more significant, so it is worth looking into this with your insurance agent.
Some service members choose to put their cars in storage while they are away and to cancel their military car insurance. However, when they return and try to reinstate their car insurance policy, the insurer tells them they have to pay higher rates or they may deny coverage entirely.
If your state allows insurers to raise rates or deny coverage, you may be able to store your car as long as no one else will be using it during your deployment. You should check your military car insurance policy to see if you are required to have your storage protection plan approved. You may have to provide your agent with the odometer reading and the address where your vehicle is being stored.
After storing your car, you can cancel your liability coverage but keep your comprehensive insurance to protect against vandalism or theft. You may be able to save on your comprehensive bill while your car is in storage, and there will be no lapse in coverage. You can reinstate your liability coverage when you return and take your car out of storage. Ask your agent if you can make your military car insurance payments on your pay schedule as an additional convenience for you.
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