Cheapest Auto Insurance Quotes for Police Officers in Virginia

When talking about auto insurance, the word “cheap” really should not be used anywhere in the article as a descriptor for car insurance rates. Despite the oxymoron, cheap auto insurance for police officers can seem impossible to find. We’ll try to make it up to you, because we are going to show you how you can still get auto insurance that may not be cheap, but it is affordable.

Deciding which companies offer the cheapest car insurance rates for police officers calls for more time in order to find the lowest price. Each insurer uses their own calculation for setting rates, so let’s examine the car insurance companies that tend to be cheaper in Virginia.

It’s a good idea to know that Virginia car insurance rates are determined by lots of factors that will increase or decrease the price of coverage. Improving your credit score, buying a home, or having an accident may prompt premium changes resulting in some companies being more affordable than competitors.

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Travelers generally has some of the lowest car insurance rates in Virginia at around $653 each year. USAA, Penn National, Cincinnati Insurance, and Erie also are some of the lowest-priced Virginia auto insurance companies.

In the above example, if you have coverage with USAA and switched to Travelers, you could see savings of upwards of $35. Policyholders with Penn National may save as much as $73 a year, and Cincinnati Insurance policyholders might see rate reductions of $80 a year.

To find the cheapest car insurance for police officers in Virginia for your vehicle, click here to start your custom quote or quote prices from the following companies.

These policy prices are averages for all types of insureds and vehicles and do not take into consideration a rate discount for police officers. So the company that can offer the best rates for your situation may not even be in the company chart above. That underscores the importance of why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

The car, truck, or SUV that needs insurance is one of the largest factors when comparing the most economical car insurance for police officers. Vehicles with higher performance, a lack of modern safety features, or an increased likelihood of liability claims will cost much more to insure than more modest models. The table below illustrates coverage prices for a selection of the most affordable vehicles to buy coverage for.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in garaging location in Virginia which can increase or decrease prices substantially.

Looking at the data, we can assume that makes and models like the Honda CR-V, Chevrolet Traverse, and Subaru Forester are most likely going to be the cheapest vehicles to insure for law enforcement personnel.

Discounts on Virginia car insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-police-officers-va.jpg" alt="Cheaper Virginia car insurance for law enforcement personnel”/>Insurance companies that sell the cheapest car insurance for police officers in Virginia may have rate discounts that can lower rates by 35% or more if you are eligible to receive them. Larger car insurance companies and a partial list of their discounts can be found below.

The chart below visualizes the comparison of insurance premiums with and without some available policy discounts. The rates are based on a female driver, no claims or driving citations, Virginia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, multiple policy, accident-free, defensive driving course, safe-driver, and anti-theft discounts applied. With discounts applied, the the average amount saved on car insurance for police officers is % or $.

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How to find low-cost insurance for police officers

It is possible to find better rates, and here are many money-saving suggestions that can help Virginia drivers find low-cost auto insurance.

• Pay for smaller claims out-of-pocket
• Assess whether full coverage is needed
• Better credit rating means better rates
• Higher deductibles mean lower rates
• Safer vehicles cost less to insure
• Insure your home and auto with the same company
• Compare prices as often as possible

That last piece of advice is remarkably valuable, as we stressed in this write-up. Prices go up and down frequently, so don’t hesitate to change insurance companies if a lower-cost policy is available. We understand brand loyalty, but we do not recommend it if that loyalty ends up costing money that could be spent on other things. If you have a few minutes, compare rates to find cheaper car insurance for police officers.

Who has the cheapest insurance quotes for law enforcement personnel?

There are many different ways to get cheap car insurance quotes in Virginia, but the most common ways are through an independent insurance agent, an exclusive agency such as Liberty Mutual or State Farm, or direct online or over the phone from a company like Progressive or Geico.

You can use whichever method you prefer, but it’s important to understand the differences in how they function.

Independent agencies work for many companies and can get policy pricing from each one. These agents are appointed with more than one company and can compare multiple rates, which can give you the best idea of how your rates compare. If cheaper coverage is found, your policy can be easily switched to a different company without you having to go to a different agency.

A captive or exclusive agent is only able to write with one insurance company, two examples being a Farmers or Allstate agent. This type of agents cannot compare rates from other companies, so drivers will want to get other quotes as well.

Car insurance from a direct company means you forego either of the other two types of agents and buy from a direct company like Esurance. Buying car insurance direct may be the best choice drivers who do not have complex finances and understand how car insurance works.

Which way works best to buy the cheapest car insurance for police officers in Virginia? The majority of car insurance shoppers assume that buying direct saves money since no commissions are paid to an agent, but that generally is not the case. And we’d like to say going through an independent agent is the best way to save due to increased selection, but again, that’s not a true statement. In a lot of cases, the exclusive agents may have prices that are well below what direct and independents offer.

Due to the fact that car insurance rates vary so much, the only true way to buy the cheapest policy is to get quotes and compare. If time allows, get price quotes all three ways to have the best rate selection. For a list of companies offering online discounts, click here to view.