Disabled Veterans Car Insurance

Disabled veterans car insurance may qualify for special veteran and military car insurance discounts. Be sure to ask for discounts when you shop for disabled veteran auto insurance quotes to guarantee that you’re saving as much money as possible on your coverage. Enter your ZIP code below to start comparing insurance quotes for free.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 27, 2020

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Things to know...

  • Disabled veterans and other military professionals may qualify for savings on their auto insurance premium for their years of honorable service
  • Some insurance companies specialize in providing coverage to military professionals and veterans, and others offer substantial discounts
  • There are other ways for veterans to save money on car insurance as well

Many honorable and hardworking men and women have been injured in various ways while serving the country.

The sacrifices of these individuals are honored in numerous ways, and one way is through the potential to save money on car insurance premiums.

If you are a disabled veteran, you may be wondering how you can find the lowest rate possible on your car insurance expense with providers who value your service to the country.

Compare car insurance rates right here, right now, by entering your zip code into our free quote tool above.

Different Ways Providers Honor Disabled Veterans


Most car insurance providers honor military professionals and veterans in some way, and this includes disabled as well as active duty and retired military professionals.

Some insurance providers may require you to prove your honorable discharge to qualify for savings.

As you learn more about the savings possibilities available through different providers, you will see that some car insurance companies offer low rates and specialize in only insuring military professionals and family members.

Others offer discounts on already competitive rates that are specifically designed to help veterans save money.

Explore the Providers to Find Great Deals on Car Insurance

Because there are so many possible car insurance options for disabled veterans to consider, it makes sense to thoroughly explore all options.

Remember that there are many factors that influence car insurance rates, so you should not assume that one company has better rates than others without researching quotes in detail.

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Select Your Desired Coverage Types and Limits Before Requesting Quotes

Before you can get quotes from different providers for disabled veteran insurance rates, you need to determine what level of coverage you want to buy.

Liability insurance is most often required by law in many areas, but there are other coverage options that you can consider as well. These include:

  • Personal property coverage
  • Personal injury coverage
  • Comprehensive insurance
  • Collision insurance
  • Uninsured motorist coverage

Requesting the same coverage options from different providers will help you to more easily determine the best deal on disabled veterans car insurance.

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Other Ways for Disabled Veterans to Save Money on Car Insurance


Car insurance companies often provide their customers with many ways to save, and you may find that your disabled veteran status is just one of several money-saving factors that can work in your favor.

When you learn more about the factors that influence coverage rates and other money-saving strategies available, you can set up a potentially more affordable insurance policy than what you currently have.

Adjust Factors That Influence Your Coverage Rates

Car insurance providers have unique methods for determining rates for their insured drivers, but you may find that most look at the same common factors.

They simply analyze these factors differently and apply different rates to them to arrive at a potentially higher or lower quote than what you are currently paying for insurance. Some of the factors that influence auto coverage rates include:

  • Your driving record
  • Your insurance claims history
  • The details about the insured vehicle
  • If you bundle policies together
  • Your credit rating
  • Accident and theft statistics for your home’s zip code

You may be able to adjust some of these factors now or in the months to come to improve the rate you pay for car insurance.

For example, you can take steps to improve your credit rating to qualify for lower rates at your next renewal date, or you can drive safer to improve your driving record.

Any time you have a significant change in these factors, you should compare rates from different providers to find the lowest cost for auto insurance available.

Increase Your Deductible

An easy way for most drivers to decrease their car insurance premium amount is to simply increase the deductible. This change can be done at the time you set up the policy or by calling your current provider at a later date to make a change to your existing policy.

While you may be eager to maximize the potential savings on your auto insurance premium offered through this option, remember that you should only choose a deductible amount that is affordable for you to pay at a moment’s notice.

Some drivers will keep the deductible amount stored in their savings account to use as needed.

Use Other Discounts

Drivers also may have access to a wide range of other discounts beyond a veteran or military service discount. For example, you may qualify for a discount based on your current profession in some cases.

A few other common discounts available through many reputable auto insurance providers include:

  • An infrequent driver discount
  • A good student discount
  • A multiple drivers or multiple vehicles discount
  • A discount for storing your car in a garage
  • A safe driver discount

You may be able to use multiple discounts listed here as well as others available through select providers to maximize savings available for your premium.

Remember that discounts vary by provider, and some providers have unique qualifications or requirements that you must meet for the discounts.

Therefore, you may find that you qualify for many more discounts with one auto insurance provider than with another. Shopping around to compare rates and discounts is the best way to learn which provider offers the best deal on your coverage at this time.

The Need to Review Coverage Options Periodically


Shopping for new car insurance rates can seem inconvenient and time-consuming, but it is one of the most effective ways to identify potential savings with your coverage options.

Factors that affect insurance rates and the rates themselves change periodically.

All drivers who want to keep car insurance costs as low as possible should make an effort to compare rates from multiple leading providers at least once or twice per year. Compare right now by using our free rate tool below.

Because your premium may be a major expense in your budget, it makes sense to put forth the effort to keep this expense as low as possible.

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