Securing a State Farm Quote for Military Families
Military families face unique insurance needs—deployments, PCS moves, on-base vs. off-base parking, and periods of vehicle storage. State Farm can tailor auto and home coverage to match those realities so you’re protected without overpaying.
Below is a simple path to a personalized quote, plus the key questions to ask so you unlock every eligible military discount and avoid coverage gaps during moves or deployment.
Steps to Secure Your State Farm Quote
Gather your driver’s license, VIN or plate, garaging address, prior carrier, and proof of military status (LES, active-duty ID, or DD-214). Securing rate allow to choose the same limits and deductibles you use elsewhere to save comparing apples to apples.
Want to benchmark State Farm against others first? Start with our State Farm quotes page, or compare broader market rates via Allstate quote comparisons.
Get Your Auto Insurance Quote
Compare real-time auto rates—then ask about storage or reduced-use options during deployment.
Explore Home Insurance Options
Bundle home + auto to stack multi-policy savings and simplify claims.
Explore Optional Coverages & Deployment Adjustments
Review optional features like rental reimbursement, roadside assistance, and coverage for personal property during PCS moves. Confirm how temporary garaging changes affect your rate when relocating. If pets travel with you, review the claims details in State Farm’s pet injury claims process.
Expecting deployment or frequent moves? Ask about vehicle storage, comp-only (comprehensive without liability), or low-mileage declarations. Also confirm who can manage the policy while you’re away—set up authorized users or a power of attorney (POA).
Key Military Scenarios to Discuss When Quoting
Before you finalize your quote, review the most common active-duty and PCS situations with your agent. Asking the right questions upfront prevents coverage gaps and can reduce unnecessary premium costs.
Use the checklist below during your quote call or in-person visit. If any situation applies—or might apply in the next 6–12 months—ask how State Farm handles it to ensure continuous protection.
| Scenario | Ask State Farm | Why It Matters |
|---|---|---|
| Deployment / vehicle storage | Reduced-use rating or comp-only coverage | Lowers premium while keeping theft and weather protection |
| PCS to another state | Garaging rules and temporary transit coverage | Avoids lapses and keeps coverage compliant |
| Spouse manages policy | Add authorized users or POA | Enables updates while you’re away |
| On-base vs. off-base parking | Check rating differences and safety credits | Parking location can affect premiums and discounts |
Also review home insurance when you move frequently. Periods of vacancy, storage, or short-term housing can affect rates. When bundling, align deductibles and effective dates across policies—see State Farm bundling tips.
Frequently Asked Questions
What discounts are available for military families?
Active-duty, veteran, low-mileage, telematics, and multi-policy savings may apply depending on your state.
How can I make sure I get every discount?
Provide proof of military status during quoting and ask about storage or reduced-use options. Bundling home and auto often adds more savings.
Can I get a quote online?
Yes. Start with an online quote, then confirm deployment/PCS details with an agent if you need POA or authorized access.