How Much Does Auto Insurance Cost for Police Officers in Wisconsin?

Wouldn’t it be awesome if we could instantly tell you the single company that has the best deal on coverage for police officers? It’s just not that simple, as there are many unknown elements like if you own a home, deductibles for comprehensive and collision coverage, whether you just need liability insurance, and how safe your vehicle is. Car insurance is kind of a dry topic, but this article will explain these topics and also should give you a good start in finding the cheapest insurance in Wisconsin.

Deciphering which company quotes the best auto insurance rates for police officers requires a little more work in order to find the most economical policy. Every insurance provider has a unique approach to set policy rates, so we need to take a look at the auto insurance companies that tend to be cheaper in Wisconsin.

It’s important to understand that Wisconsin auto insurance rates are impacted by many things which can substantially change the price you have to pay. Simply turning a year older, having a claim, or getting a DUI can trigger rate changes resulting in some companies being more affordable than before.

Best Car Insurance Prices for Law Enforcement

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USAA generally has some of the cheapest car insurance rates in Wisconsin at around $604 each year. Partners Mutual, Erie, Rockford Mutual, and Integrity Mutual also qualify as some of the cheapest Wisconsin car insurance companies.

As shown in the rates above, if you currently have coverage with Rockford Mutual and switched to Partners Mutual, you may see a yearly price reduction of approxmiately $114. Policyholders with Integrity Mutual could save as much as $130 a year, and Nationwide policyholders might cut rates by $136 a year.

Be aware that those policy rates are averages for all insureds and vehicles and do not take into consideration a rate decrease for police officers. So the company that is best for you may not even be shown in the list of companies shown earlier. That affirms the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

The make and model of vehicle you are insuring is one of the primary factors when comparing the lowest-priced auto insurance for police officers. Vehicles with lower performance, advanced safety features, or a positive history of liability claims will cost less to insure than high performance models. The data below presents auto insurance rates for some of the most budget-friendly vehicles to buy coverage for.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific location information which can change insurance rates significantly.

Looking at the numbers, you can infer that makes and models like the Chevrolet Traverse, Ford F-150, and Honda CR-V are most likely going to be the cheapest vehicles to insure for law enforcement personnel.

Careless driving habits raise auto insurance rates

One of the best ways to receive cheap auto insurance prices in Wisconsin for law enforcement personnel is to drive cautiously and avoid tickets and accidents. The illustration below highlights how speeding tickets and at-fault fender-benders can influence insurance premiums for different categories of driver ages. The data is based on a single male driver, full coverage, $100 deductibles, and no discounts are applied.

In the example above, the average cost of auto insurance in Wisconsin per year with a clean driving record and no accidents is $1,327. Add in one speeding ticket and the average cost surges to $1,493, an increase of $166 each year. Then include one accident along with the one speeding ticket and the 12-month cost of auto insurance for police officers jumps again to an average of $1,961. That’s an increase of $634, or $53 per month, just for not driving safely!

Cheapest car insurance: State Farm, Geico, Progressive, or Allstate

If you’re looking for the cheapest auto insurance for law enforcement personnel, four companies you’ll want quotes from are State Farm, Geico, Progressive, and Allstate. The table below illustrates price and claims rank as well as some different options that may be available in Wisconsin.

Cheapest insurance quotes for law enforcement personnel

There are many different ways to shop for and buy auto insurance in Wisconsin, but the most frequently used methods are from an independent insurance agent, an exclusive insurance agency like State Farm or Auto-Owners, or buying direct from a company like Geico or Progressive. They all have the same end result, but auto insurance buyers need to understand the differences in how they provide rate quotes.

Independent agencies work with multiple companies and can provide price quotes from every one. Agents of this type can sell policies from many different companies and can give you more rates, which may provide you with improved chances of finding a lower rate. If you are not satisfied with one company, your policy can be easily switched to a different company which requires no work on your part.

An exclusive agent is usually restricted to just one company, a couple examples are State Farm and Auto-Owners agents. Exclusive agents cannot shop your coverage around, so it’s a take it or leave it situation.

Drivers who opt to buy auto insurance direct forego a local insurance agent and instead buy direct either online or via phone. Buying direct may be a decent choice drivers who do not have a need for a risk management assessment and have an above average understanding of what is covered and what is not.

Out of those three methods, which one works best to buy cheap auto insurance for police officers in Wisconsin? It would be easy to say shopping direct yields the cheapest rates because there isn’t an agent involved, but unfortunately, it’s not that cut and dried. And we’d like to say buying auto insurance from an independent agent results in the cheapest rates since they can provide multiple quotes, but that assumption is not true either. In some circumstances, exclusive agents have really good rates that are impossible to beat.

Because there is so much variation in auto insurance prices, the best way to get the cheapest rates is to get as many comparison quotes as possible. If time allows, get price quotes all three ways to get an idea of which is cheapest. For a list of companies with online discounts, click here to view.