12. Military and Veteran Discount
Active duty service members, veterans, and in some cases their immediate family members may qualify for a specific discount through certain insurers, some of which specialize almost entirely in serving military families. This discount is rarely advertised broadly and usually needs to be requested directly with proof of service.
Quick tip: Look specifically at insurers known for specializing in military families, since their overall rates combined with this discount are sometimes more competitive than a general insurer offering the same discount.
13. Occupation-Based Discount
Certain professions, including teachers, engineers, healthcare workers, and various other fields, are sometimes eligible for a discount based on statistical data showing lower claims rates within that occupation. Since this varies significantly by insurer, it is worth simply asking whether your specific job qualifies.
These discounts are based on aggregated industry data showing that certain professions statistically file fewer or less severe claims, though the specific list of qualifying occupations varies quite a bit from one insurer to another.
Quick tip: Mention your job title directly when requesting a quote, even if the insurer’s website does not specifically list your profession, since some occupation discounts are only applied when asked about directly.