Cheap Auto Insurance Quotes for Police Officers in Texas

The words “low-priced” and “insurance” really should not be used together, specifically when you are shopping around for the cheapest coverage for police officers. Because of the high cost, let’s learn about some of the factors that help determine car insurance rates, and see how we can help you reduce the cost of the next policy you buy.

For law enforcement personnel, one of the largest factors that help determine the amount you pay each year for auto insurance is where you keep your vehicle. Areas with more people or higher crime rates like McAllen, Laredo, and Garland tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance for police officers in Texas.

The table below sorts the most expensive cities in Texas for police officers to buy auto insurance in.

Premium costs are comparative as the specific zip code location can influence premium rates considerably.

Finding budget auto insurance is not always easy, and deciding which company quotes the best car insurance rates for police officers involves more quotes for comparison. Coverage rates should be somewhat lower-priced than the state average because of the lower likelihood of claims that goes along with selling insurance for law enforcement personnel. Budget-friendly coverage should be available from a lot of different companies.
Every car insurance company uses their own calculation to set their prices, so first let’s look at the rankings for the car insurance companies that tend to be cheaper in Texas.

Best Cheap Insurance Rates for Law Enforcement

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Travelers quotes some of the best car insurance rates in Texas at around $1,052 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the most economical Texas car insurance companies.

As the example above demonstrates, if you are a customer of Germania Mutual and switched to USAA, you might see savings of approxmiately $127. Drivers with Esurance may save as much as $304 a year, and California Casualty insureds might lower prices by $321 a year.

Understand that those premiums are averaged across all ages of drivers and types of vehicles and do not factor in a rate discount for police officers. So the insurer that is most affordable for your situation may not even be shown in the chart above. That is why you need to get quotes using your own driver data and vehicle information.

Everyone has different tastes in autos, and the style of vehicle requiring coverage is a large factor when comparison shopping for cheap car insurance for police officers in Texas. Vehicles with limited speed and performance, an excellent safety record, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models.

The next lists estimates coverage premiums for a handful of the more afforable automobiles to buy insurance for.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in vehicle location which can alter auto insurance rates considerably.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in your specific Texas location which can increase or decrease auto insurance rates greatly.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific garaging location which can lower or raise prices noticeably.

Types of discounts on Texas car insurance rates

Car insurance companies that provide cheap car insurance for police officers in Texas may provide policy discounts that could reduce prices by 25% or more if you meet specific eligibility requirements. Large car insurance companies and a partial list of their discounts can be read below.

• GEICO may offer discounts for federal employee, daytime running lights, anti-theft, military active duty, anti-lock brakes, and multi-vehicle.
• MetLife may include discounts for accident-free, defensive driver, good driver, multi-policy, and good student.
• Progressive offers discounts including homeowner, multi-policy, online quote discount, online signing, multi-vehicle, and continuous coverage.
• Travelers policyholders can earn discounts including new car, good student, multi-policy, early quote, student away at school, multi-car, and continuous insurance.
• SAFECO offers discounts for homeowner, safe driver, bundle discounts, teen safe driver, anti-theft, anti-lock brakes, and drive less.
• AAA has savings for education and occupation, good driver, good student, AAA membership discount, pay-in-full, and multi-policy.

The illustration below illustrates the comparison of insurance costs with and without policy discounts. Data assumes a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with vehicle safety, multiple vehicle, marriage, homeowner, claim-free, and multiple policy discounts applied. With discounts applied, the the amount saved on car insurance for police officers is 28% or $669.

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Is the best company Geico, Allstate, State Farm, or Progressive?

When comparing car insurance, four companies to take a look at are Geico, Allstate, State Farm, and Progressive. The next table shows ratings for price and service, as well as some optional coverages that are available from each company.

How to find low-cost car insurance for police officers

It is possible to find better rates, and here are some thrifty ideas that can help drivers get more affordable coverage.

• Do not pay for full coverage if not needed
• Ensure your driving record is clean
• Avoid having at-fault accidents
• Increase your credit rating
• Safer vehicles generally have cheaper insurance rates
• Raise your physical damage coverage deductibles
• Shop around and save

The last tip is particularly critical, as was noted in the prior information. Prices charged by companies in Texas adjust often, so drivers shouldn’t be reluctant to buy a different policy if you can find a cheaper rate. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that devotedness results in you overpaying a lot of money every month. In just a couple of minutes you could compare prices to find cheaper auto insurance for police officers.

Cheapest insurance quotes for law enforcement personnel

Consumers have many ways to find cheaper car insurance in Texas, but the most preferred methods are through a captive (or exclusive) agent such as Liberty Mutual or Allstate, an independent or non-exclusive agent, or buying direct from a company like Geico or Progressive. They all have the same end result, but shoppers should understand the differences in how they function.

Independent agents can place your business with multiple companies and can compare coverage rates with all of them. Agents of this type can quote with many companies and provide multiple price quotes, which may give you a better overall rate comparison. If your agent finds better pricing, they simply move your policy to a different company and you stay with the same agent.

Exclusive agents are restricted to one insurance company, two examples being Allstate and Liberty Mutual agents. These guys and gals cannot quote prices from more than just one company, so unless you get quotes from other companies, you cannot determine which is cheapest.

If you buy direct, you do not use an independent or exclusive agent and instead buy buying direct from a company like Esurance or Progressive. This car insurance option may be good for families who do not have a lot of assets and have knowledge of how car insurance works.

So which of the methods works best to buy cheap car insurance for police officers in Texas? Most people would assume that shopping direct results in the best prices since that prevents the need to pay agent commissions, but that does not always hold true. It would also be easy to say buying car insurance from an independent agent results in the cheapest rates since they have access to many companies, but again, it’s not a sure thing. And sometimes, exclusive agencies have really good rates that are the lowest in Texas.

Since car insurance rates vary so much, the only true way to ensure you are not overpaying for car insurance is to do a thorough rate comparison. It takes a little work, but we recommend you get quotes from all three types to have a good selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.