Best Cheap Auto Insurance Quotes for Police Officers in Colorado

For law enforcement personnel, one of the big components that is used by auto insurance companies to determine the price you pay for insurance is where your residence is in Colorado. Areas that are more densely populated or have higher claim rates like Pueblo, Aurora, and Northglenn tend to pay higher rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.

The table below illustrates the highest-priced places in Colorado for police officers to purchase auto insurance in.

Annual rates are comparative as specific Colorado zip code can lower or raise premium rates significantly.

Establishing which companies quote the cheapest car insurance rates for police officers may require a tad more effort in order to find the lowest price. Every auto insurer uses their own calculation to determine rates, so let’s rank the lowest cost car insurance companies in Colorado.

It’s a good idea to know that Colorado car insurance rates are influenced by many factors which can significantly increase or decrease your annual premium. Getting older, buying another vehicle, or having an at-fault accident can trigger price changes resulting in some companies being cheaper than before.

Find Cheaper Auto Insurance for Law Enforcement

Click Here to Start Your Quote

The Hartford generally has some of the lowest car insurance rates in Colorado at around $850 per year. Grange, USAA, Nationwide, and Travelers also qualify as some of the cheaper Colorado auto insurance companies.

As depicted above, if you currently buy coverage from Nationwide and switched to Grange, you may see savings of about $206. Colorado drivers with Travelers might save as much as $222 a year, and GEICO customers might lower prices by $227 a year.

To find out how your current rates compare, click here to start your free quote or visit any of the low-priced companies below.

It’s important to note that these estimates are averaged for all drivers and vehicles and and are not calculated with a price decrease for police officers. So the company that can offer you the best rate may not even be shown in the list of companies above. That points out the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.

The model of vehicle you are trying to insure is one of the primary factors when shopping around for the best cheap car insurance for police officers in Colorado. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost much less to insure than adrenaline junky models.

The next lists features car insurance costs for some of the most cost-effective vehicles to buy coverage for.

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in Colorado location which can increase or decrease prices considerably.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices substantially.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific Colorado garaging location which can impact price quotes greatly.

How accidents and tickets impact rates

The best way to earn the cheapest car insurance prices for law enforcement personnel is to drive cautiously and not receive tickets or have accidents. The diagram below shows how speeding tickets and at-fault accidents can raise car insurance costs for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

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 One Accident’],[‘Age 20’, 2721,2955,3605],[‘Age 30’, 1429,1665,2315],[‘Age 40’, 1377,1613,2263],[‘Age 50’, 1261,1493,2149],[‘Age 60’, 1239,1471,2123],[‘Age 70’, 1427,1659,2311]]);var options = {title: ‘Impact of Tickets and Accidents on Colorado Car Insurance Rates’,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 Colorado’,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 example, the average cost of car insurance in Colorado per year with no accidents and a clean driving record is $1,576. Factor in one speeding ticket and the average cost jumps to $1,809, an increase of $234 each year. Now include one accident along with the one speeding ticket and the 12-month cost of car insurance for police officers jumps again to an average of $2,461. That’s an increase of $885, or $74 per month, just for being a less-than-perfect driver!

Types of discounts on Colorado insurance

Car insurance companies that sell the best cheap car insurance for police officers in Colorado may also offer rate discounts that may potentially lower prices by as much as 35% or more if you meet the requirements. Popular car insurance companies and a selection of discounts are detailed below.

• GEICO policyholders can earn discounts including anti-lock brakes, emergency military deployment, daytime running lights, anti-theft, and seat belt use.
• MetLife includes discounts for defensive driver, accident-free, claim-free, multi-policy, good driver, good student
• Progressive has discounts for continuous coverage, homeowner, online signing, online quote discount, and good student.
• Travelers may offer discounts for good student, save driver, payment discounts, multi-car, continuous insurance, and driver training.
• SAFECO has savings for teen safety rewards, anti-lock brakes, homeowner, teen safe driver, accident prevention training, safe driver, and multi-car.
• AAA offers premium reductions for good student, anti-theft, multi-policy, multi-car, and education and occupation.

The chart below compares car insurance rates with and without discounts. The rates are based on a female driver, no claims or violations, Colorado state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, homeowner, safe-driver, passive restraint, and defensive driving course discounts applied. When taking advantage of discounts, the the average yearly reduction on car insurance for police officers is 28% or $533.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2845,2039],[‘Age 30’, 1911,1379],[‘Age 40’, 1789,1291],[‘Age 50’, 1565,1127],[‘Age 60’, 1515,1093],[‘Age 70’, 1791,1287]]);var options = {title: ‘Insurance Rate Comparison 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 Colorado’,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);}

Geico, Progressive, Allstate, or State Farm: Who is cheapest?

When buying car insurance, four companies to consider are Geico, Progressive, Allstate, and State Farm. Combined they have over 45% of the entire U.S. auto insurance market. The data below illustrates ratings for price, service, and claims, in additional to some of the optional coverages that are available.