No one can forget those special people who guard our country and protect us as we sleep comfortably at night.  Even when it comes to our automobile insurance, we have them in mind.

Our armed forces are offered deep discounts when it comes to military auto insurance.  Several automobile insurers carry this insurance and it is determined by rank, duty of the insured and placement.

In fact, there are many car insurers that actually focus on working with the active men and women who are serving in the military.  Additionally, there are automobile insurance discounts for the retired service personnel and made available to Reservists and the National Guard as well.  With the cost of living increase in the United States, military pay and benefits may not have kept up.

Now, those offering such discounts are aware that these men and women who serve the United States and its Government are honorable citizens.  They are reliable clients who are known to take care of their responsibilities, which is the reason that insurers offer these discounts.  There’s a trust that payments will be received because service men and women have very little chance of being laid off and they work steady jobs.

Still, many military personnel buy their automobile insurance and purchase policies without really understanding what coverage they actually need.  But what they need is what we all need, which is adequate coverage that will protect them from financial, physical and material loss.

So how does basic auto insurance apply to military lifestyle?  Well here are some coverage options:

• Property-damage liability – repair of vehicles and property damaged in the event of an accident
• Bodily injury liability – pays for medical bills, wages, rehab and funeral costs
• Personal injury liability – pays medical expenses and a percentage of lost wages to you or anyone authorized to operate your vehicle
• Collision Coverage – pays for damage to your car, less your chosen deductible, regardless of the responsible party
• Comprehensive Coverage – in the event of fire, theft or vandalism, the coverage pays for damage to your car
• Vehicle replacement – full replacement value, not depreciated value
• Uninsured Motorist Coverage – protect you or anyone authorized to drive your vehicle again injury caused by an uninsured motorist or hit and run.

Another plus is that if a military man or woman’s duties require them to store a vehicle for more than one month, some insurers can suspend or even lessen coverage.

It is important to be ‘military smart’.   That means military personnel can make their budget stretch by accessing discounted military auto insurance.   It doesn’t matter what branch of the military it is.  It is a discount well deserved because of what they have sacrificed as honorable citizens.

The insurers offer this protection as a way to extend gratitude to those who are currently serving or who have served in the armed forces.