You have probably seen the ads from auto insurance companies like Allstate, Progressive, and The General promising dirt cheap rates. So you should just select the one with the best jingle, right?
It’s just not that simple, as there are many unknowns such as your date of birth, if you are currently insured, if you are a homeowner or renter, and if you have any driving citations. This article will discuss the best ways to avoid high prices and also should give you some help in finding cheaper rates.
The car, truck, or SUV driven is one of the biggest factors when comparing the cheapest car insurance for police officers. Vehicles with economical engines, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.
The information below presents insurance rates for the most economical automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $1,945 |
| Honda Accord EX-L 4-Dr Sedan | $2,066 |
| Honda CR-V EX 2WD | $2,082 |
| Volkswagen Jetta 2.0T Station Wagon | $2,228 |
| Chevrolet Impala LT | $2,250 |
| Chevrolet Equinox LT 2WD | $2,259 |
| Hyundai Elantra GLS 4-Dr Sedan | $2,371 |
| Ford Edge Sport AWD | $2,378 |
| Toyota Prius | $2,377 |
| Jeep Grand Cherokee Limited 2WD | $2,411 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $2,417 |
| Toyota Tacoma 2WD | $2,424 |
| Ford F-350 XLT Super Cab 2WD | $2,455 |
| Toyota RAV4 Limited 4WD | $2,464 |
| Ford Explorer Limited 4WD | $2,514 |
| Ford F-150 SVT Raptor Super Cab 4WD | $2,522 |
| Nissan Rogue SL AWD | $2,535 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rates do not factor in zip code location which can revise premium rates substantially.
Looking at the data, we can expect vehicles like the Ford Escape, Honda Accord, and Honda CR-V will definitely be some of the most budget-friendly vehicles to insure for law enforcement personnel.
One of the more important factors that help determine the price you pay for insurance is where you choose to live. Cities with more crime and/or more people likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The following table rates the priciest cities in Florida for police officers to purchase car insurance in. Tampa is listed at #8 costing $2,610 for the average insurance policy, which is approximately $218 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Hialeah | $3,523 |
| 2 | Miami Gardens | $3,181 |
| 3 | Miami | $3,145 |
| 4 | Miami Beach | $3,013 |
| 5 | Miramar | $2,683 |
| 6 | West Palm Beach | $2,679 |
| 7 | Hollywood | $2,630 |
| 8 | Tampa | $2,610 |
| 9 | Pompano Beach | $2,543 |
| 10 | Coral Springs | $2,499 |
| 11 | Fort Lauderdale | $2,475 |
| 12 | Davie | $2,473 |
| 13 | Pembroke Pines | $2,431 |
| 14 | Brandon | $2,322 |
| 15 | St. Petersburg | $2,263 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,102 |
| 18 | Jacksonville | $2,040 |
| 19 | Orlando | $2,029 |
| 20 | Port St. Lucie | $1,975 |
| 21 | Lakeland | $1,901 |
| 22 | Cape Coral | $1,860 |
| 23 | Tallahassee | $1,801 |
| 24 | Palm Bay | $1,786 |
| 25 | Gainesville | $1,646 |
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Table data uses comparative as vehicle location can alter coverage rates greatly.
The illustration below highlights how deductible selection can impact insurance prices when getting quotes for cheap insurance for police officers. The data assumes a married male driver, comp and collision included, and no other discounts are factored in.
A 50-year-old driver could lower their policy premium by $292 a year by increasing from a $100 deductible to a $500 deductible, or save $440 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 category, could possibly save up to $966 each year by choosing a higher deductible.
When raising deductibles, it will be necessary to have additional funds squirreled away to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Get discount Tampa car insurance rates
Auto insurance companies that provide coverage for police officers could also offer price discounts that could lower prices by 35% or more if you meet certain criteria. A list of companies and a partial list of their discounts are included below.
- Farmers Insurance policyholders can earn discounts including pay in full, multi-car, youthful driver, distant student, mature driver, switch companies, and alternative fuel.
- State Farm offers premium reductions for defensive driving training, good student, accident-free, Drive Safe & Save, and passive restraint.
- Liberty Mutual has savings for exclusive group savings, multi-car, hybrid vehicle, safety features, newly married, and teen driver discount.
- MetLife offers discounts for claim-free, good student, multi-policy, accident-free, defensive driver, and good driver.
- Progressive includes discounts for good student, multi-vehicle, continuous coverage, online quote discount, multi-policy, homeowner, and online signing.
The diagram below visualizes the comparison of yearly insurance costs with and without some available policy discounts. The premiums assume a male driver, no violations or accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, multiple vehicle, anti-theft, vehicle safety, claim-free, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage amount saved on car insurance for police officers is 28% or $655.
How to find the cheapest auto insurance for police officers
The list below details some money-saving solutions that can help drivers find low-cost coverage.
- Buy a safer vehicle
- Increase physical damage deductibles
- Save money by insuring older vehicles for liability only
- Drivers with good credit often pay less
- Prevent rate increases by staying accident-free
- Be a cautious driver
- Compare rates once a year for cheaper prices
The last item on the list is incredibly significant, as was noted in this write-up. Insurance prices in Tampa change frequently, so you should be ready to switch companies if you can save money. Loyalty to a specific company is fine, but it’s not a good idea if that inflexibility results in costing you several hundred dollars every year. It takes less than five minutes to compare rates and find cheaper insurance for police officers.