I have 2 sons in Boot Camp. After PIR they will go off to A-school; one in GL and one in Pensacola, FL. My question is what to do about auto insurance? We don't want to keep paying insurance needlessly, but are unsure of when they will be driving again. And, is there insurance available through the Navy when they do drive again? How have y ou handled this?
I see that USAA and Geico are the two auto insurance companies to check out. My question is this. How do we get quotes from these companies before he leaves for BC? The car in question is titled to my son, but is being driven by his fiancé. She will continue to use the car while James is at Basic and A school. We'd like to cancel James and his car from our insurance once he goes to basic, but it must be insured while he is gone. It seems that we are unable to get a quote from USAA until he is in.....help.
You may have to remove him from the insurance and keep the car and his fiancée on since it is going to be driven and work out something so that s/he pays you the cost for continuing insurance if that is an issue. If it were only being driven occasionally, you could check into having it listed as a pleasure vehicle to reduce the cost. He should be able to sign up with USAA using his contract that indicates he has a ship date based on what others have said, but he is the one who has to call. My Sailor found that GEICO had the best rates for him.
USAA will allow him to join as DEP they also have several options. We have used them for 15 years and the company is great.
They are by far the cheapest. They also do a non owner policy that is about 18 dollars a year (at least for my 18 year old boy) that will allow them to always have insurance so there is not lapse in coverage. It is a good company and they will work with you.