{"id":33341,"date":"2018-07-24T13:58:01","date_gmt":"2018-07-24T13:58:01","guid":{"rendered":"https:\/\/one.sightlinemg.com\/marinecorpstimes\/uncategorized\/2018\/07\/24\/heres-how-service-members-can-stall-rising-car-insurance-rates\/"},"modified":"2026-08-07T21:05:10","modified_gmt":"2026-08-07T21:05:10","slug":"heres-how-service-members-can-stall-rising-car-insurance-rates","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/marinecorpstimes\/pay-benefits\/2018\/07\/24\/heres-how-service-members-can-stall-rising-car-insurance-rates\/","title":{"rendered":"Here\u2019s how service members can stall rising car insurance rates"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Have your auto insurance premiums been rising, even when you\u2019ve had no accidents?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019re not alone. Rates for motor vehicle insurance have been increasing nationwide for a number of years now, for a variety of reasons.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That applies across the board \u2014 <a href=\"https:\/\/www.militarytimes.com\/pay-benefits\/mil-money\/2017\/05\/18\/the-most-car-for-the-least-cash-10-things-troops-should-know-before-they-buy\/\" target=_blank>cars<\/a>, trucks and <a href=\"https:\/\/www.militarytimes.com\/off-duty\/military-rider\/\" target=_blank>motorcycles<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And if you\u2019re in the military, and moving this summer, you may see your insurance premiums change, because rates vary from state to state, and even within a state. In some cases, your rate could go down when you move.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to the National Association of Insurance Commissioners, the nationwide average cost of motor vehicle insurance rose by nearly 12 percent between 2011 and 2015, the latest data available. The average cost for a year of insurance was $889.01 in 2015, up from $795.01 in 2011.<\/p>\n\n\n\t<aside class=\"smg-interstitial-link wp-block-smg-interstitial-link\">\n\t\t<a href=\"https:\/\/one.sightlinemg.com\/militarytimes\/management\/pay-benefits\/mil-money\/2018\/06\/11\/need-life-insurance-we-break-down-14-military-friendly-options\/\" class=\"smg-interstitial-link__inner\">\n\t\t\t\t\t\t\t<div class=\"smg-interstitial-link__media\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"157\" src=\"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/160307-A-DA002-022.JPG.jpg?w=300\" class=\"smg-interstitial-link__image wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"smg-interstitial-link__content\">\n\t\t\t\t<span class=\"smg-interstitial-link__kicker\">Related<\/span>\n\t\t\t\t<h3 class=\"smg-interstitial-link__title\">Need life insurance? We break down 14 military-friendly options<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"smg-interstitial-link__excerpt\">Get prices, policy types, restrictions and more from our detailed chart.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/a>\n\t<\/aside>\n\t\n\n\n<p class=\"wp-block-paragraph\">The entire auto insurance industry is seeing more frequent, and more severe, accidents. People are driving more, medical costs are rising, repair costs are rising \u2014 especially with newer technology \u2014 and people are distracted by their mobile devices when they\u2019re driving.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Those with accidents or tickets pay higher rates than those with clean driving records, but as the costs increase, everybody shares the cost. It\u2019s the basic concept of insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">USAA has had to raise its rates, too, although its increases were lower than the industry average from 2013 to 2018, said USAA spokesman Jason Shropshire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Such a move came \u201conly after a hard look at the financial facts,\u201d Shropshire said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Individual costs are based on a variety of factors, such as your driving record, your vehicle\u2019s make and model, where you live, how many miles you drive, your gender and age, and your marital status.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Shop around with different insurance companies for the best prices. Let them know you\u2019re a member of the military community. For example, through Geico, if you\u2019re active duty, a National Guard or Reserve member, or retired, you may be eligible for up to a 15 percent discount on your total car insurance premium.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re going to be deployed for an extended period and your vehicle will be stored \u2014 and no one will be driving it \u2014 check with your insurance company to find out if you can suspend part of your insurance coverage while you\u2019re gone. USAA offers deep discounts for deployed service members who put their car in storage.<\/p>\n\n\n\t<aside class=\"smg-interstitial-link wp-block-smg-interstitial-link\">\n\t\t<a href=\"https:\/\/one.sightlinemg.com\/militarytimes\/off-duty\/military-culture\/2018\/01\/25\/f-150-takes-top-spot-among-troops-in-usaa-vehicle-sales-rankings\/\" class=\"smg-interstitial-link__inner\">\n\t\t\t\t\t\t\t<div class=\"smg-interstitial-link__media\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/GettyImages-866744678.jpg.jpg?w=300\" class=\"smg-interstitial-link__image wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"smg-interstitial-link__content\">\n\t\t\t\t<span class=\"smg-interstitial-link__kicker\">Related<\/span>\n\t\t\t\t<h3 class=\"smg-interstitial-link__title\">F-150 takes top spot among troops in USAA vehicle-sales rankings<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"smg-interstitial-link__excerpt\">The Ford led a pickup-truck sweep of the top three spots.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/a>\n\t<\/aside>\n\t\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>CUTTING YOUR COSTS<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Shropshire offered more tips for vehicle owners to consider to keep premiums as low as possible, while maintaining the right amount of coverage:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Always consider insurance costs before buying a vehicle.<\/li><li>Set higher deductibles to save on monthly premium payments, but be aware that you\u2019ll need more money out of pocket if you have to file a claim. You might want to make sure you\u2019ve got the money in an emergency fund, or at least bank the premium savings each month. The higher deductible also might make you think twice about filing claims for smaller incidents; filing those claims could increase your premiums.<\/li><li>Review coverage for older, low-value vehicles to determine whether you need collision coverage, for example. The insurance costs could exceed anything you get back on a claim.<\/li><li>Research all possible discounts, including discounts for good driving, safety features, multiple vehicles and others.<\/li><li>Pay your insurance bills on time.<\/li><li>Build and maintain a good credit score.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>New car? Moving? Your insurance costs will change &#8230; here&#8217;s how to buck the trend.<\/p>\n","protected":false},"author":7,"featured_media":65887,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":15,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[101,82,25,15],"tags":[],"coauthors":[3302],"class_list":["post-33341","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-daily-news-roundup","category-mil-money","category-newsletters","category-pay-benefits"],"acf":{"subheadline":"","legacy_arc_id":"JRFEOWS7WRFGTB47PI4WQI67HE","arc_canonical_url":"\/pay-benefits\/mil-money\/2018\/07\/24\/heres-how-service-members-can-stall-rising-car-insurance-rates\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Here\u2019s how service members can stall rising car insurance rates - Marine Corps Times<\/title>\n<meta name=\"description\" content=\"New car? 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Your insurance costs will change ... here&#039;s how to buck the trend.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/one.sightlinemg.com\/marinecorpstimes\/pay-benefits\/2018\/07\/24\/heres-how-service-members-can-stall-rising-car-insurance-rates\/\" \/>\n<meta property=\"og:site_name\" content=\"Marine Corps Times\" \/>\n<meta property=\"article:published_time\" content=\"2018-07-24T13:58:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-07T21:05:10+00:00\" \/>\n<meta name=\"author\" content=\"Karen Jowers\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Karen Jowers\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\n\t    \"@context\": \"https:\\\/\\\/schema.org\",\n\t    \"@graph\": [\n\t        {\n\t            \"@type\": \"Article\",\n\t            \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/marinecorpstimes\\\/pay-benefits\\\/2018\\\/07\\\/24\\\/heres-how-service-members-can-stall-rising-car-insurance-rates\\\/#article\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/marinecorpstimes\\\/pay-benefits\\\/2018\\\/07\\\/24\\\/heres-how-service-members-can-stall-rising-car-insurance-rates\\\/\"\n\t            },\n\t            \"author\": {\n\t                \"name\": \"migration\",\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/marinecorpstimes\\\/#\\\/schema\\\/person\\\/cc76c831bb37a926738c8391fca7a3b1\"\n\t            },\n\t            \"headline\": \"Here\u2019s how service members can stall rising car insurance rates\",\n\t            \"datePublished\": \"2018-07-24T13:58:01+00:00\",\n\t            \"dateModified\": \"2026-08-07T21:05:10+00:00\",\n\t            \"mainEntityOfPage\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/marinecorpstimes\\\/pay-benefits\\\/2018\\\/07\\\/24\\\/heres-how-service-members-can-stall-rising-car-insurance-rates\\\/\"\n\t            },\n\t            \"wordCount\": 560,\n\t            \"commentCount\": 0,\n\t            \"publisher\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/marinecorpstimes\\\/#organization\"\n\t            },\n\t            \"image\": {\n\t                \"@id\": \"https:\\\/\\\/one.sightlinemg.com\\\/marinecorpstimes\\\/pay-benefits\\\/2018\\\/07\\\/24\\\/heres-how-service-members-can-stall-rising-car-insurance-rates\\\/#primaryimage\"\n\t            },\n\t            \"thumbnailUrl\": \"https:\\\/\\\/one.sightlinemg.com\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/MIL-MILMONEY-080618.jpg.jpg\",\n\t            \"articleSection\": [\n\t                \"Daily News Roundup\",\n\t                \"Mil Money\",\n\t                \"Newsletters\",\n\t                \"Pay &amp; 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