The make and model of vehicle needing coverage is probably the largest consideration that determines whether or not you can buy the most economical auto insurance for police officers. Vehicles with higher performance, a lack of advanced safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The next table outlines auto insurance costs for some of the more affordable vehicles to insure in California.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$958|
|Honda CR-V LX 4WD||$1,096|
|Chevrolet Impala LS||$1,111|
|Toyota RAV4 Limited 2WD||$1,134|
|Dodge Grand Caravan Crew||$1,156|
|Ford Focus SES 4-Dr Sedan||$1,171|
|Honda Odyssey EX-L W/Rear Entertainment||$1,194|
|Hyundai Elantra SE 4-Dr Sedan||$1,201|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,216|
|Kia Optima LX||$1,223|
|Toyota Corolla XRS||$1,216|
|Chevrolet Silverado LT Regular Cab||$1,225|
|Chevrolet Malibu LTZ||$1,216|
|Hyundai Sonata GLS 4-Dr Sedan||$1,222|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,238|
|Ford F-150 Lariat Crew Cab Platinum 4WD||$1,243|
|Honda Accord LX-S 2-Dr Coupe||$1,276|
|Toyota Camry Hybrid||$1,298|
|Toyota Camry LE||$1,306|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in Fresno, CA location which can revise coverage prices greatly.
Based upon these rates, you can conclude that models like the Ford Escape, Honda CR-V, and Chevrolet Impala are going to be a few of the more affordable vehicles to insure for law enforcement personnel.
For law enforcement personnel, one of the big things that determine the amount you pay each year for auto insurance is your address in Fresno. Areas with a lot of weather claims or more people will most likely have higher rates, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.
The information below lists the priciest cities in California for police officers to buy auto insurance in. Fresno is listed at #13 with the yearly price of $1,517 for coverage, which is about $126 monthly.
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Prices are comparative as specific Fresno zip code can raise or lower prices significantly.
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Car insurance companies that offer cheap quotes for police officers may additionally offer special discounts that can lower rates by as much as 30% if you meet specific criteria. A few popular companies and their offered discounts are:
- State Farm includes discounts for good student, driver’s education, good driver, multiple autos, and anti-theft.
- Nationwide may offer discounts for defensive driving, easy pay, multi-policy, good student, business or organization, Farm Bureau membership, and family plan.
- GEICO offers discounts including five-year accident-free, anti-lock brakes, multi-vehicle, military active duty, air bags, and seat belt use.
- AAA may include discounts for multi-policy, multi-car, AAA membership discount, pay-in-full, good driver, good student, and anti-theft.
- 21st Century offers premium reductions for automatic seat belts, homeowners, air bags, anti-lock brakes, theft prevention, defensive driver, and student driver.
- The Hartford has savings for good student, air bag, driver training, vehicle fuel type, and bundle.
The illustration below illustrates the difference between yearly insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, accident-free, multiple vehicle, defensive driving course, safe-driver, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for police officers is 28% or $707.
Liability-only versus full coverage
Paying a lower price for insurance is probably important to most drivers, and an easy way to reduce the cost of insurance for police officers is to buy liability only. The diagram below illustrates the comparison of insurance prices with and without physical damage coverage. The premiums are based on no violations or claims, $100 deductibles, single marital status, and no discounts are factored in.
If averaged for all ages, physical damage coverage on your policy costs an extra $2,525 per year more than insuring for liability only. Many drivers may wonder if paying for full coverage is worth it. There is no written rule to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s pretend your vehicle’s settlement value is $6,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,500 after paying your deductible. If you are paying in excess of $550 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
The illustration below highlights how deductible choice can increase or decrease insurance prices when searching for cheap insurance for police officers. The premiums assume a single male driver, full coverage, and no discounts are factored in.
A 30-year-old driver could cut expenses by $410 a year by increasing from a $100 deductible to a $500 deductible, or save $616 by changing to a $1,000 deductible. Young drivers, like the 20-year-old category, can cut as much as $1,190 or even more just by choosing higher deductibles. When increasing deductibles, it is essential to have enough savings to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.