Totally agree with your reasoning there—the insurance companies probably factor in stability and lower risk-taking tendencies overall. Plus, military personnel often move around a lot, right? That could mean shorter commutes or less driving time overall, which insurance companies might see as lower risk...even if some of them do have a heavy foot occasionally, haha.
You're right about stability and shorter commutes playing a role, but honestly, I think the biggest factor is probably the group discounts military members get through specialized insurers like USAA or GEICO. I've got a pretty colorful driving record myself (speeding tickets, anyone?), and even I noticed a decent drop when I switched over to one of those military-focused providers. So yeah, risk factors matter, but those negotiated group rates might be the real game changer here...
Good points, but from my experience it's not just military insurers that offer group discounts. I've been with a credit union for years and they partner with certain insurers too—saved me a decent chunk without any military affiliation. Definitely agree that group rates help, but it's worth checking out other associations or memberships you might have (alumni groups, professional orgs, etc.). Sometimes the savings pop up in places you'd least expect...
Good to know, but a couple things make me hesitant:
- Group discounts aren't always the best deal—sometimes individual quotes beat them.
- I've heard credit union partnerships can limit your insurer options... might miss out on better coverage elsewhere.
Still worth comparing carefully before jumping in.
"Group discounts aren't always the best deal—sometimes individual quotes beat them."
Yep, exactly my experience too. I've noticed that military or credit union deals can look tempting at first glance, but you gotta slow down and compare apples to apples. Last year, I almost jumped on a group discount through my credit union, but decided to shop around a bit more... ended up saving nearly $200 going solo. Just take your time, get multiple quotes, and don't assume a special deal is automatically the best one out there.
