Good points about the deductible and emergency fund—I hadn't really thought about it that way. I'm still pretty skeptical about military insurers being cheaper overall, though. Seems like they advertise lower rates but then ding you hard for minor stuff. Has anyone actually compared long-term costs between military-specific insurers and regular ones? Curious if the savings hold up over time or if it's mostly marketing hype...
You're right to question the advertising—it's always smart to be skeptical about claims of lower rates. I've done some digging myself, and here's what I've noticed:
- Military insurers often do have lower base premiums upfront, especially if you're a safe driver or have a clean record.
- But you're spot-on about the minor stuff. I've seen friends get hit with rate hikes after small claims or tickets, sometimes more than regular insurers would.
- Long-term savings really depend on your driving habits and how often you file claims. If you're cautious and rarely need to use your coverage, military-specific insurers can genuinely save you money over several years.
- On the flip side, if you're prone to minor incidents or claims, those cheaper initial rates might not hold up as well.
Bottom line, it's not pure hype—but it's definitely not a one-size-fits-all scenario either. Good on you for thinking critically about it... insurance is one place where skepticism pays off.
