Best Car Insurance for Police Officers

When it comes to insurance, we know what it means to serve and protect.

What's the best car insurance for police officers?


Being a police officer can be an exceedingly strenuous profession. You’re often times overlooked, criticized, and, of course, underpaid. This last point brings us to our main focus: finding car insurance as a police officer. Whether you know it or not, being a police officer can save you some money on your car insurance. Let’s explore.


Here are our key points:
  1. Where can you find this discount?
  2. How else can you save as a cop?




Which companies offer discounts for police officers?


Companies offer discounts for police officers (and other professions) for what they see as a decreased risk. As a police officer, there’s no one who knows the laws and rules of the road like you. And because of this, car insurance companies consider you less likely to file a claim or receive a citation — thus making you less risky customer, which is reciprocated with a lowered premium. Here are some companies that offer car insurance discounts for police:



There are a couple of things you should consider about these discounts. First, because insurance is state regulated, a company might not offer a discount in one state that it does in another. Another is that your insurance company will require proof your profession. Sometimes it requires a membership (such as the Fraternal Order of Police) or another type of documentation in order to qualify.

*California Casualty offers another kind of coverage. Known as Fallen Officer/Fallen Hero Survivor Benefit, premiums for the remaining calendar year and one year following will be waived for your surviving spouse or partner. Some states (Texas, Georgia, Montana, New Hampshire, and Tennessee) do not participate in this program.





What are other ways to save?


In any case, you should consider alternative ways to save on auto insurance that exist beyond your profession. Let’s break down some cost cutting solutions.



Drive safely

As a cop, you should follow the rules of the road irrelevant of a discount. But, as you can estimate, violations like speeding or DUIs can have major impacts on your insurance premium. So, if you want to stay in the good graces of your employer and your car insurance company, mind the road.


Average Increase in Annual Premium in 2016

Accident/Violation 6 Month Premium Increase
None
Speeding 11 - 15 MPH Over Limit $141
Speeding 16 - 20 MPH Over Limit $153
Speeding 21 - 25 MPH Over Limit $165
At-Fault Accident $306
Reckless Driving $499
Racing $523
DUI $529


Bundle all insurance policies

If you own a home or rent an apartment, you should bundle your policy with your auto in order to get what's called a multi-policy discount. This discount, which affects both your home/renters and auto, can save you an average of $73 a year on your car insurance. If you have other forms of insurance, such as motorcycle, life, or umbrella, you can also get a discount by bundling them as well.


Savings on Bundlings

Savings with Renters Savings with Home
$73 $142


Pay smart

How you pay can have a big impact on your car insurance premium. If you pay all of your premium up front, versus monthly in installment payments, you reduce the amount of processing fees your insurance company will charge you (on average, $61 a year). Furthermore, if you pay for your auto insurance via a direct deposit rather than a credit or debit card, you can see some savings as well.


Savings Based on Method of Payment

Savings with Paid in Full Savings with EFT
$61 $27


Consider telematics

Telematics are a new idea that some insurance companies are starting to embrace. Basically, using an in-car device, insurance companies track the way you drive in order to more accurately determine your premium. Rather than using things like your location or your credit score as indicators, this method allows for insurance companies to more accurately price your premium. Here are some companies that have these programs as well as the potential savings. Consider, however, that your state might not participate in these programs, even if your company is listed below.


Company Estimated Savings
Progressive's SnapShot Average of $130
Allstate's 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%


Be smart with your coverages

As a officer of the law, you understand that the only coverage levels you're required to have is your liability coverage (unless you have a lien on the vehicle). So, if your vehicle is paid off and the value of your car has depreciated signficantly, consider if having comprehensive and collision coverage is financially worth it. If you don't want to lose those coverages, consider raising the deductibles. Here are our tips regarding if you should reduce coverage:


  • First, determine the estimated fair market value of your vehicle using Kelley Blue Book and NADA guides.
  • Assess the difference in price between full coverage (comprehensive and collision) and liability-only. If the amount of money you save in premium from losing full coverage is not enough to cover or replace your vehicle (which you determined from step 1), keep full coverage.
  • If by step 2 you determine that you need full coverage, consider raising your deductible - by raising your deductible, you can lower your premium. However, by raising your deductible, you lower the payout you would receive if your vehicle were totaled. As the deductible is what you pay, and the remaining amount of the damages are covered by your insurance company.


Shop around

It’s important to consider that just because a company offers a discount based on your profession, doesn’t mean you can’t get a better deal elsewhere. You should shop around for car insurance with as many companies as possible in order to make sure you find the best possible rate.



Ready to start comparing rates?


Recent Questions:

Best Car Insurance for Police Officers

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Best Car Insurance for Police Officers

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