Yeah, the “military discount” thing often feels more like a checkbox than an actual perk, especially once you factor in claims or expensive cars. In my experience, the real savings come from super clean records and boring vehicles—anything else, you’re right, it barely moves the needle. The niche insurers targeting luxury or classic cars seem to get it, but mainstream companies just don’t budge much. It’s frustrating when you’re expecting a break and end up with the same old rates...
Not sure I totally agree here. I’ve actually seen some solid savings with USAA, even on a not-so-boring car. Maybe it’s more about the company than the “military discount” label itself?
— but some of the military-focused ones really do, at least in my experience.“mainstream companies just don’t budge much”
I’m with you on the “company matters more” point. I tried getting quotes from a bunch of places, and USAA really did come out cheaper for me, even after double-checking coverage. I think
is true, but it’s worth comparing every time your policy renews. Also, don’t forget to check for things like accident forgiveness or safe driver discounts—sometimes those stack up in ways you don’t expect. I always run the numbers before switching, just to be sure I’m not missing anything.“mainstream companies just don’t budge much”
“mainstream companies just don’t budge much”
That’s been my experience too, especially with the big-name carriers. I’ve seen clients get a better deal with USAA or GEICO, but only after digging into the fine print—sometimes a “cheaper” policy leaves out things like rental reimbursement or roadside. It’s wild how those little extras can sneak up on you at claim time. I always tell folks to look past just the premium and check what’s actually covered.
Honestly, you nailed it with this:
I’ve seen folks get burned thinking they scored a deal, only to find out at claim time that the “extras” weren’t included. It’s easy to get caught up in the monthly price, but those little coverages can make a huge difference when you actually need them. I always say, don’t just look at the number—look at what you’re really getting. Sometimes paying a bit more upfront saves a lot of headaches later.“sometimes a ‘cheaper’ policy leaves out things like rental reimbursement or roadside.”
