What is an Emergency Deployment discount?

Emergency deployment discounts on car insurance are made available to military members who deploy overseas. Combine discounts to save upwards of 25% on your rates.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Apr 30, 2020

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Here's what you need to know...

  • Some car insurance companies offer special car insurance savings for military personnel who have been deployed on a military mission
  • You may need to meet specific guidelines to qualify for this discount, and guidelines may vary by provider
  • An emergency deployment discount may be just one of several discounts that military professionals may qualify for

As a military professional, you may be well aware that you could be deployed overseas on a critical mission for an extended period of time with little advance notice.

You may have already taken some steps to prepare your life for this possibility, such as by having a backup plan for the care of your children and pets if you have to deploy suddenly.

You also need to think about your finances and prepare your vehicle for a possible deployment.

All drivers must have a minimum level of auto insurance coverage per state law, but you may think about canceling your coverage to save money if you are deployed.

Remember that some states scan a database and may revoke your license or the vehicle’s registration if you are not properly insured at all times.

While you do not want to risk facing the penalties associated with being uninsured, you may be able to save money on car insurance through an emergency deployment discount available through some auto insurance providers.

Compare car insurance quotes to find the best rate for the coverage you need. Use our free rate tool above to get started.

Learning More about the Emergency Deployment Car Insurance Discount

Saving as much money as possible while you are deployed overseas is a common goal, and you should not be paying more than necessary to insure a car that you will not be driving.

Some car insurance providers recognize that there is minimal risk associated with insuring your vehicle if you are not in the country to drive it, and because of this, they offer you an emergency deployment car insurance discount.

This discount typically is only activated when you are deployed, so you will need to already be established with a provider that offers this discount or be prepared to quickly shop around and change your provider at the last minute.

Some insurance companies require you to store your vehicle in one of their secure locations while you are deployed to qualify for the discount.

This situation may be ideal and even preferred by some military professionals, but it may not always be ideal if you are leaving a spouse at home who may only want to drive your car infrequently.

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Other Similar Types of Military Discounts You May Qualify For

Remember that the emergency deployment car insurance discount is one of several types of military discounts that you may qualify for. Each provider offers different car insurance discounts, and you can carefully explore the options to find the best one for your needs.

A few of the discounts that may be most relevant to military professionals include:

You may find that you qualify for several of these discounts. On the other hand, you may find that only one of them applies to your situation.

Carefully review the guidelines and requirements to identify the provider that offers the maximum level of savings for your specific circumstances.

Military Professionals Need to Compare Car Insurance Rates Regularly

Many military professionals move to different areas of the country and even around the world frequently. The zip code where you live plays a major role in your insurance rates.

This is because insurance companies analyze each zip code’s accident and theft statistics to determine your likelihood of being in an accident or having your car stolen. Each time you relocate to a new zip code, your car insurance rates can change dramatically.

Frequently moving is just one of the reasons why military professionals need to compare auto insurance rates periodically.

Remember that other factors can also affect your insurance rates and may adjust periodically as well, such as the following:

  • your credit rating
  • your driving record
  • your marital status

By comparing car insurance rates as well as money-saving discounts available through different auto coverage providers every six months, you can take advantage of some of these changes to identify potentially lower rates available to you.

Preparing to Use Your Emergency Deployment Car Insurance Discount

If you plan to use an emergency deployment car insurance discount to save money while you are overseas for active-duty work, you need to be aware of which providers offer this discount before you are deployed.

Now is the time to shop around for the right car insurance coverage and to compare rates from different providers that offer this discount. It is also the time to learn now to activate the emergency deployment discount so that you can act quickly when the time comes to do so.

Keep in mind that you may need to provide your car insurance company with specific details about where you are being deployed to. You may also need to tell the provider where your car will be stored or store it in a designated area.

Before you store the vehicle, it is wise to schedule maintenance service as needed.

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Consider Adjusting Your Deductible

If you are interested in saving as much money on your car insurance premium as possible while you are deployed, a smart idea is to consider adjusting your deductible.

The emergency deployment discount may help you to reduce your premium substantially, and increasing the insurance deductible may also result in a lower regular premium.

Remember that you can also lower the deductible as desired when you return home and start driving again.

Paying your premium in full may be another great way to save money on your car insurance. This step can also help you to manage your finances more easily while you are deployed.

Setting Up the Right Coverage for Your Vehicle

Thinking ahead about car insurance now before you deploy can help you to more easily take advantage of the emergency deployment discount available through some car insurance providers.

It can also help you to save money in different ways and to develop a storage and care plan for your vehicle while you are away.

Regardless of whether you have already received your orders or you simply planning ahead for the possibility of a deployment, now is a great time to start looking for providers that offer the emergency deployment discount and other discounts that can help you to save money.

Enter your zip code into our free comparison tool below to get started shopping.

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