How Much Does Car Insurance Cost for Police Officers in Vermont?

Finding decent, budget insurance is hard enough, and figuring out which company offers the cheapest auto insurance rates for police officers will take a bit more work. Insurance rates will most likely be slightly lower than the state average because of the potentially lower risk related to selling coverage for law enforcement personnel. Competitive coverage should be easily found without having to search too hard.
Each insurer uses their own method to set policy rates, so we’ll take a look at the auto insurance companies with the overall cheapest rates in Vermont.

It’s important that you understand Vermont auto insurance rates are impacted by many things which can substantially change the price you have to pay. This price fluctuation is why it is critical to perform an extensive rate comparison to get the most budget-friendly auto insurance quotes for police officers. Insurance rates are determined by many risk factors and can increase or decrease at any time, so the lowest-price company three years ago may now be one of the more expensive options.

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Safeco has some of the most affordable car insurance rates in Vermont at around $481 each year. California Casualty, USAA, The Hartford, and Travelers are also some of the cheaper Vermont auto insurance companies.

As shown in the table above, if you are currently insured with USAA and switched to Safeco, you might see annual savings of around $164. Insureds with The Hartford might save as much as $165 a year, and Travelers customers might reduce prices by as much as $227 a year.

These policy rates are averaged across all drivers and vehicles and do not factor in a price decrease for police officers. So the car insurance company that fits your age and vehicle best may not even be featured in the above list. That illustrates why you need to get rate quotes using your own personal information and vehicle type.

The type of vehicle you are trying to insure is one of the primary factors that determines the availablility of low-cost auto insurance for police officers. Vehicles with reasonable performance levels, advanced safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models. The list below presents auto insurance prices for a selection of the more afforable vehicles to insure in Vermont.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in specific Vermont garaging location which can impact insurance rates greatly.

Based upon the table data, makes and models like the Honda CR-V, Hyundai Tucson, Chevrolet Traverse, Toyota Prius, and Dodge Grand Caravan are most likely going to be a few of the cheaper vehicles to insure for law enforcement personnel.

The illustration below shows how choosing a deductible can increase or decrease insurance costs when researching cheap insurance for police officers. The prices are based on a single female driver, full physical damage coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2567,2357,2127,1911],[‘Age 30’, 1765,1613,1443,1281],[‘Age 40’, 1637,1499,1345,1199],[‘Age 50’, 1435,1315,1181,1053],[‘Age 60’, 1387,1269,1141,1017],[‘Age 70’, 1621,1489,1343,1207]]);var options = {title: ‘Effect of Deductibles on Insurance Prices in Vermont’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 30-year-old driver could pocket $292 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $438 by using a $1,000 deductible. Young drivers, like the 20-year-old example, could shave up to $656 each year just by choosing higher deductibles.

When using a larger deductible, it will be important to have enough in a savings account to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Illustration showing the impact of accidents and violations

The common sense way to maintain low auto insurance rates for law enforcement personnel is to drive carefully and avoid traffic citations and accidents. The example below shows how traffic citations and at-fault fender-benders can raise auto insurance rates for different insured age categories. The rate quotes are based on a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2567,3163,5311],[‘Age 30’, 1765,2365,4509],[‘Age 40’, 1637,2237,4381],[‘Age 50’, 1435,2031,4177],[‘Age 60’, 1387,1987,4131],[‘Age 70’, 1621,2221,4365]]);var options = {title: ‘Impact of Tickets and Accidents on Vermont Insurance Premiums’,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 Vermont’,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 previous chart, the average cost of car insurance per year with no violations or accidents is $1,735. Receive two speeding tickets and the average cost swells to $2,334, an increase of $599 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for police officers goes up to an average of $4,479. That’s an increase of $2,744, or $229 per month, just for not driving carefully!

Progressive, Allstate, Geico, and State Farm compared

If you are shopping around for auto insurance for law enforcement personnel, the most popular companies are Progressive, Allstate, Geico, and State Farm. If you put them all together, they insure almost 50% of the entire U.S. auto insurance market. The table below breaks down some of the different options that are available.