How Much are Auto Insurance Quotes for Police Officers in Utah?

Finding good, affordable insurance is challenging, and deciding which companies have the lowest-priced auto insurance rates for police officers calls for a bit more work. Insurance rates will more than likely be slightly better than the state average attributed to the decrease in risk related to selling coverage for law enforcement personnel. Reasonably-priced coverage should be easy to buy from a lot of different insurance providers.
Each insurer uses their own formula for establishing rates, so to begin we’ll rank the lowest cost auto insurance companies in Utah.

Best Cheap Insurance Rates for Law Enforcement

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Bear River may offer some of the lowest car insurance rates in Utah at around $590 annually. USAA, Auto-Owners, American Family, and Farm Bureau Mutual also are some of the best Utah car insurance companies.

In the above example, if you are a policyholder with American Family and switched to Bear River, you may see an annual savings of approxmiately $374. Drivers with Farm Bureau Mutual might save as much as $436 a year, and Allied policyholders might see rate reductions of $438 a year.

Remember that these prices are averaged across all types of insureds and vehicles and and are not figured with a price discount for police officers. So the insurer that is best suited for you may not even be included in the above list. That illustrates why you need to compare prices as often as possible using your own individual information.

When buying auto insurance for law enforcement personnel, one of the key components that is used by auto insurance companies to calculate a rate quote is where your home is located. Areas that are more densely populated like Kearns, Murray, and Taylorsville tend to have more expensive car insurance rates, whereas areas that tend to be more rural have the gratification of cheap car insurance for police officers in Utah.

The following table sorts the more expensive cities in Utah for police officers in which to buy car insurance.

Table data uses approximated as the specific Utah residence address can influence coverage rates significantly.

The make and model of vehicle you are insuring is one of the biggest factors when comparison shopping for cheap car insurance for police officers in Utah. Vehicles with higher performance characteristics, poor safety features, or a track record of large liability claims will cost more to insure than more modest models. The table below illustrates insurance rates for a number of the cheapest vehicles to buy coverage for.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in specific garaging location which can increase or decrease prices substantially.

By looking at the data, you can conclude that cars like the Ford Escape, Hyundai Elantra, and Kia Forte are most likely going to be a few of the most affordable vehicles to insure for law enforcement personnel.

Get discounts on Utah car insurance rates

Insurance companies that offer cheap car insurance for police officers in Utah may also give you special discounts that may potentially lower prices by as much as 35% or more if you meet specific eligibility requirements. The best auto insurance companies and their offered discounts are outlined below.

• State Farm may have discounts that include safe vehicle, defensive driving training, student away at school, multiple policy, Drive Safe & Save, driver’s education, and good student.
• Nationwide may include discounts for anti-theft, Farm Bureau membership, accident-free, defensive driving, easy pay, and family plan.
• GEICO may offer discounts for military active duty, air bags, defensive driver, federal employee, and five-year accident-free.
• AAA has discounts for multi-policy, pay-in-full, good student, AAA membership discount, education and occupation, multi-car, and anti-theft.
• 21st Century includes discounts for student driver, defensive driver, anti-lock brakes, driver training, and teen driver.
• The Hartford discounts include driver training, vehicle fuel type, anti-theft, good student, and air bag.

The example below illustrates the difference between auto insurance costs with and without discounts applied to the rates. The price estimates are based on a female driver, no accidents or driving violations, Utah state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with marriage, claim-free, defensive driving course, homeowner, safe-driver, and anti-theft discounts applied. When these discounts are applied to the policy premium, the the amount saved on auto insurance for police officers is 28% or $448.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2391,1719],[‘Age 30’, 1625,1173],[‘Age 40’, 1515,1097],[‘Age 50’, 1323,957],[‘Age 60’, 1283,927],[‘Age 70’, 1511,1087]]);var options = {title: ‘Effect of Discounts on Insurance Price for Police Officers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Utah’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Irresponsible driving raises your rates

In a perfect world, the best way to get cheap car insurance for police officers in Utah is to drive cautiously and not get tickets or have accidents. The information below highlights how traffic violations and accident claims can drive up auto insurance costs for different age groups of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2171,2367,4199],[‘Age 30’, 1465,1659,3491],[‘Age 40’, 1371,1563,3397],[‘Age 50’, 1197,1395,3227],[‘Age 60’, 1161,1357,3187],[‘Age 70’, 1371,1565,3401]]);var options = {title: ‘Accidents, Violations, and Utah Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Utah’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of a car insurance policy per year with no accidents or violations is $1,456. Receive one speeding ticket and the average cost surges to $1,651, an increase of $195 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for police officers increases to an average of $3,484. That’s an increase of $2,028, or $169 per month, just for not keeping your driving record clean!

How to get cheap car insurance for police officers in Utah

The list below shows many thrifty ideas that can help drivers buy cheap coverage.

• Increase the comprehensive and collision deductibles on your policy
• Having at-fault accidents will increase rates
• Safer vehicles generally have cheaper insurance rates
• Be a safe driver
• Clean up your credit rating
• Compare price quotes at least once a year

The last tip is extremely significant, as we noted in this piece. Car insurance rates in Utah change frequently, so drivers shouldn’t be resistant to switch carriers if a lower price can be found. Loyalty to a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you lots of hard earned cash every month. It only take a few minutes to compare prices to find cheaper auto insurance for police officers.

Who has the cheapest insurance quotes for law enforcement personnel?

Thanks to technology, there are a lot of ways to quote auto insurance rates in Utah, but the most common methods are from an exlusive agent such as Allstate or Liberty Mutual, an independent or non-exclusive agent, or from a direct company like Geico. They all follow the same basic process, but it’s important to point out the distinctions in how they price policies.

Independent agencies have contracts with many companies and can quote your policy with all of them. These types of agencies do not work for one specific company and can give you more rates, which can give you the best shot at cutting your rates. If they find a cheaper price, they simply move the coverage in-house which requires no work on your part.

An exclusive ageny is able to quote prices with a single company, two examples being an Allstate or State Farm agent. These guys and gals cannot compare other company’s rates, which does not give you the best rate comparison.

Buying from a direct company means bypass an independent or exclusive agent and instead shop direct from companies such as Esurance or Progressive. Buying auto insurance direct may be the best choice drivers who do not need advice for asset protection and have an above average understanding of what limits they need.

When shopping for auto insurance, which way works best for finding cheap car insurance for police officers in Utah? The majority of people assume that buying from a direct car insurance company saves money because there is no agent involved, but that is not always the case. It would also be easy to say buying from an independent agent can save the most money since they can quote with many companies, but again, it’s not a sure thing. In many circumstances, exclusive agents have price quotes that independents and direct companies can’t touch.

Because of the variability of auto insurance rates, the best method to ensure you are not overpaying is to compare lots of quotes. Industry experts recommend getting prices from all three in order to have the best selection to choose from. A great place to start is our list of online companies offering discounts: click here to view.