Best Car Insurance for EMTs and Paramedics
Car insurance for EMTs and paramedics offers specialized discounts, safe-driving programs, and coverage tailored for first responders from providers like Farmers, AAA, Nationwide, and California Casualty.
What’s the best car insurance for paramedics and EMTs?
As an EMT or paramedic, there are a lot of things to worry about both on and off the job. You’re usually working long and incredibly stressful hours, with car insurance being about the last thing on your list you want to worry about. Don't let those few precious hours of sleep be invaded by nightmares about expensive car insurance. That’s where we come in. Let’s explore the cheapest car insurance options as an EMT or paramedic.
Where can you find a car insurance discounts?
Lots of car insurance companies see paramedics and EMTs as ideal insurance customers. Historical data shows that EMTs are less likely to file a claim or cause an accident, all of which makes an insurance company pretty happy. Here are some companies that offer a discount based on your chosen profession.
Learn more about Farmers' policies, discounts, and more in our review.
Learn more about AAA's policies, discounts, and more in our review.
Learn more about Nationwide's policies, discounts, and more in our review.
Learn more about Farmers' policies, discounts, and more in our review.
There are a few things to consider about profession-based discounts. Because insurance is state-regulated, unfortunately, not every state allows an occupation-based discount. More granularly, insurance is rated (i.e., priced) based on your zip code. So, it isn’t easy to give an exact discount amount for these reasons.
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What are some other ways to save?
Because of the reasons illustrated above, we should discuss some other ways to save on auto insurance that exists outside of your occupation. Let’s get started.
Unlike an owned residence, your car depreciates in value over time. So, if you have a vehicle that is completely paid off and it’s value has depreciated significantly, you should consider if having comprehensive and collision is worth it financially. However, if you reduce coverage and are in an at-fault accident, you do not have physical coverage for your vehicle (as that would fall under collision/comprehensive). Here's a quick coverage guide if you're unsure if you need additional coverage.
- Use the NADA guide and Kelley Blue Book to determine the value of your vehicle.
- Look at the total premium of your vehicle with and without full coverage. If the additional premium for this coverage is less than the total value of the vehicle, keep full coverage.
- If you decide to keep full coverage but still want to lower your premium, consider raising the amount of your deductible. By raising your deductible, you lower your premium.
By paying smart, we are referring to how you pay for your auto insurance in two ways. One, if you’re able to pay for your entire premium up front (known as “paid in full”), you can receive a decent discount.
If you’re unable to do that, another way to save is known as paying by direct deposit or EFT. This discount eliminates the transaction fees for debit or credit card payments. These processing fees can be between $2 and $3 per month!
| Savings with paid in full | Savings with EFT |
|---|---|
| $61 | $27 |
Telematics, otherwise known as usage-based insurance, uses an in-car device to monitor the way you drive to a more accurate price for you and your vehicle. While this practice isn't utilized by every state or company, it is a great way to lower your premium if you drive safely but have other rating factors working against you (such as your age or credit score).
| Company | Estimated savings |
|---|---|
| Progressive SnapShot | Average of $130 |
| Allstate DriveWise | Average of 10-25% |
| State Farm's Drive Safe and Save | Up to 15% |
| Esurance's DriveSense | Varies |
| Nationwide's SmartRide | Up to 40% |
| Liberty Mutual's RightTrack | Average of 5-30% |
If you rent or own a home, you probably have an insurance policy. You can save money by bundling your auto and home with the same company! This discount, known as a multi-policy discount, is pretty common across all companies and states.
| Savings with Renters | Savings with Home |
|---|---|
| $73 | $142 |
If you don’t have a renters policy, you should consider getting a quote. While not always legally required, renters policy are usually under $200 a year and can protect you and your belongings in the event of a total loss.
If you have other policies besides homeowners or renters, such as life insurance or umbrella coverage, consider bundling those policies together as well for an additional discount.
You are not required to finish your policy with your insurance company. So, if you find a better deal elsewhere, you can cancel your policy, and your old company will refund you the remaining premium. Because of this and many other factors, it’s important to shop for car insurance every 6 months to make sure you’re getting the best possible rate.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.