For active-duty service members, veterans, and their families, military discounts can lead to significant savings on insurance for recreational vehicles (RVs), boats, and power sports vehicles. Many insurance providers, including GEICO, Liberty Mutual, and USAA, offer special rates that can reduce premiums by up to 15%.
Working with an experienced agent, like Happy Camper’s team, will help you explore these options individually. To learn more beforehand, keep reading to learn how you can qualify and maximize your savings.
State-Specific Military Discounts
In some states, military discount quotes aren’t optional; they’re required. Legal mandates make these discounts easier to access in the following states:
- Louisiana: Insurance providers must offer a 25% discount on liability insurance for active-duty military personnel based in the state, including coverage for RVs, boats, and powersport vehicles.
- Montana: Members of the Montana National Guard qualify for a discount if they complete a defensive driving course. The discount percentage is set by the insurer and lasts for at least three years.
If you live in these states, ask your insurer about military discount options for your recreational vehicles. In other states, discounts vary by provider, so it’s important to choose a company that offers military-friendly rates.
How to Qualify for Military Discounts
In order to obtain a military discount for your RV, boat, or powersport vehicle, you typically need to present certain documentation.
- A government-issued photo ID.
- Proof of military status, such as active-duty orders, a DD-214 discharge statement, or a military academy appointment letter.
- Family members may need additional proof of their relationship to the service member, such as a spouse’s or parent’s ID.
Who Qualifies for Military Discounts?
Eligibility requirements vary by insurer, but the following groups generally qualify:
- Active-duty service members in the Army, Navy, Air Force, Marine Corps, Coast Guard, and National Guard.
- Veterans and honorably discharged members, depending on the provider.
- Immediate family members, including spouses and children, may also qualify if the primary policyholder is a military member.
Military Discount Quotes: Savings Potential
Military discounts can reduce insurance premiums by 10% to 25%, depending on your provider and state. Companies like USAA and Armed Forces Insurance (AFI) cater specifically to military families, often providing more competitive rates.
You can often combine military discounts with other savings opportunities, such as:
- Bundling policies: Combine RV, boat, or powersport insurance with home or auto coverage for additional discounts.
- Safe driving discounts: A clean driving record can lead to lower rates.
- Pay-in-full discounts: Paying your premium annually instead of monthly can result in savings.
Best Car Insurance for Veterans & Active Duty: The Bottom Line Conclusion
Military discount quotes can significantly reduce insurance costs for RVs, boats, and powersport vehicles. By choosing a provider that offers military-friendly rates and combining discounts, you can maximize your savings and enjoy peace of mind on your next adventure.
For personalized quotes and tailored advice, reach out to Happy Camper Insurance to explore the best coverage options for your recreational vehicles.