Some car insurance companies in Canada offer discounts to military personnel, including members of the Canadian Army. These discounts are typically offered as a way of recognizing the sacrifices made by military personnel and their families, and they can provide a valuable opportunity to save money on car insurance.

The exact discounts available to military personnel will vary depending on the insurance company and the province in which you live. Some common discounts include reduced rates for active duty military personnel, discounts for veterans, and special rates for military families.

To take advantage of military discounts for car insurance, you may be required to provide proof of your military service, such as your military ID or discharge papers. It’s also important to shop around and compare the discounts offered by different insurance companies to ensure that you’re getting the best possible rate.

If you’re a member of the Canadian Army or a military veteran, be sure to ask your insurance broker or agent about any discounts that may be available to you. Taking advantage of these discounts can help you save money on your car insurance and ensure that you have the coverage you need to protect your vehicle.

Auto Insurance Cost for Military Personnel & Veterans in Canada

Auto insurance rates for military personnel and veterans in Canada can vary based on factors such as the driver’s age, driving record, and location. Here is an example of what a military personnel or veteran might pay for auto insurance per year and per month, based on a sample driver profile, in 10 major cities across three provinces.

Driver Profile:

• 35-year-old military personnel or veteran
• No accidents or tickets in the past five years
• Owns a 2018 Toyota Camry LE
• Drives an average of 12,000 km per year
• Purchases a standard auto insurance policy with $1 million in liability coverage and a $1,000 deductible

Ontario:

1. Toronto: $1,450 per year or $121 per month
2. Ottawa: $1,200 per year or $100 per month
3. Mississauga: $1,350 per year or $113 per month
4. Brampton: $1,500 per year or $125 per month
5. Hamilton: $1,250 per year or $104 per month
6. London: $1,100 per year or $92 per month
7. Markham: $1,550 per year or $129 per month
8. Vaughan: $1,450 per year or $121 per month
9. Kitchener: $1,100 per year or $92 per month
10. Windsor: $950 per year or $79 per month

Alberta:

1. Calgary: $1,000 per year or $83 per month
2. Edmonton: $950 per year or $79 per month
3. Red Deer: $900 per year or $75 per month
4. Lethbridge: $850 per year or $71 per month
5. Fort McMurray: $1,150 per year or $96 per month
6. Grande Prairie: $950 per year or $79 per month
7. Medicine Hat: $850 per year or $71 per month
8. Airdrie: $1,050 per year or $88 per month
9. Spruce Grove: $1,000 per year or $83 per month
10. Leduc: $900 per year or $75 per month

Quebec:

1. Montreal: $1,100 per year or $92 per month
2. Quebec City: $950 per year or $79 per month
3. Laval: $1,000 per year or $83 per month
4. Gatineau: $900 per year or $75 per month
5. Longueuil: $1,000 per year or $83 per month
6. Sherbrooke: $850 per year or $71 per month
7. Saguenay: $800 per year or $67 per month
8. Trois-Rivières: $850 per year or $71 per month
9. Terrebonne: $1,100 per year or $92 per month
10. Saint-Jean-sur-Richelieu: $850 per year or $71 per month

Please keep in mind that these are example rates for a specific driver profile and do not represent the exact cost that any given driver may pay. Actual insurance rates may vary depending on several individual factors. Additionally, insurance companies may offer specific discounts or benefits to military personnel and veterans, so it’s worth shopping around and comparing quotes from multiple providers.

A list of car insurance companies in Canada that offer discounts to military personnel

Yes, some car insurance companies in Canada offer discounts to military personnel as a way of recognizing their service and sacrifices. The exact discounts and eligibility requirements will vary depending on the insurance company and the province in which you live.

Here are a few examples of car insurance companies in Canada that offer discounts to military personnel:

• Intact Insurance
• The Co-operators
• Allstate
• Aviva
• TD Insurance
• Desjardins Insurance
• Economical Insurance
• RBC Insurance

It’s important to note that not all insurance companies offer military discounts, and the discounts available may vary depending on your location and the insurance company. To take advantage of military discounts for car insurance, you may need to provide proof of your military service, such as your military ID or discharge papers.

Here are some of the potential benefits of car insurance for military members in Canada:

1. Discounts: As mentioned earlier, some car insurance companies offer discounts to military members, which can help you save money on your car insurance.
2. Coverage for Military Vehicles: If you drive a military vehicle as part of your duties, your car insurance policy may provide coverage for damage or liability that occurs while operating the vehicle.
3. Coverage for Deployment: If you’re deployed abroad, your car insurance policy may provide coverage for your vehicle while it’s parked and not in use.
4. Coverage for Military Relocations: If you’re relocating as part of your military duties, your car insurance policy may provide coverage for your vehicle during the move.
5. Peace of Mind: Having a comprehensive car insurance policy can help give you peace of mind, knowing that you’re protected in the event of an accident, theft, or other covered incident.

Does the Canadian military pay for car insurance?

No, the Canadian military does not pay for the car insurance of its members. In Canada, car insurance is typically purchased by the vehicle owner and is considered a personal expense.

While some car insurance companies offer discounts to military members, it’s important to keep in mind that these discounts may not cover the full cost of insurance. It’s up to the individual military member to purchase the necessary insurance coverage for their vehicle.

What kind of car insurance do members of the Canadian military need?

In Canada, all drivers are required to have at least the minimum liability coverage for their vehicle. This coverage pays for damages or injuries that you may cause to others while operating your vehicle. The specific minimum liability coverage requirements vary depending on the province or territory in which you live.

In addition to the minimum liability coverage, military members in Canada may choose to purchase additional coverage, such as collision coverage, comprehensive coverage, and uninsured motorist coverage.

Here are some types of car insurance coverage that military members in Canada may consider:

1. Liability Coverage: This coverage pays for damages or injuries that you may cause to others while operating your vehicle.
2. Collision Coverage: This coverage pays for damages to your vehicle if you’re involved in an accident, regardless of who is at fault.
3. Comprehensive Coverage: This coverage pays for damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
4. Uninsured Motorist Coverage: This coverage pays for damages to your vehicle if you’re hit by an uninsured driver.
5. Emergency Roadside Assistance: This coverage provides assistance if your vehicle breaks down or you have a flat tire.

Who qualifies for discounted military car insurance policy?

In Canada, the eligibility criteria for discounted military car insurance policies can vary depending on the insurance company offering the discount. Typically, discounts are offered to active duty military personnel, retired military personnel, and military veterans. Some insurance companies may also extend discounts to military family members, such as spouses and dependents.

To be eligible for a military discount on your car insurance in Canada, you may need to provide proof of your military status, such as a military ID card or a DD-214 form (for retired military personnel). It’s important to keep in mind that not all car insurance companies offer military discounts, and the discounts that are available can vary depending on the insurance company and the specific policy.

How can members of the military save on car insurance?

Members of the military can save on their car insurance by taking advantage of discounts that are specifically designed for military personnel. Here are some ways that military members can save on their car insurance:

1. Look for military discounts: Many car insurance companies offer discounts to military members. To find out if you’re eligible for a military discount, contact multiple insurance companies and compare their offerings.
2. Maintain a clean driving record: A clean driving record can help you qualify for lower insurance rates. Avoiding accidents, traffic violations, and other incidents can help you keep your record clean.
3. Consider a higher deductible: Choosing a higher deductible can lower your monthly insurance premiums. Just make sure that you can afford to pay the higher deductible in the event of an accident.
4. Bundle your insurance policies: If you have multiple insurance policies with the same company, such as home, life, or renters insurance, consider bundling them together. Many insurance companies offer discounts for customers who have multiple policies with them.
5. Shop around: Don’t just settle for the first car insurance quote you receive. Shopping around and comparing quotes from multiple insurance companies can help you find the best deal.