Cheap Auto Insurance for Police Officers in Kentucky

Deciding which company offers the most affordable car insurance rates for police officers will involve a little more effort than just comparing rates from one or two companies. Each insurer uses different criteria for determining prices, so let’s rank the most budget-friendly car insurance companies in Kentucky.

We do need to point out that Kentucky car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of a policy. Improving your credit rating, having a claim, or getting a DUI can trigger rate changes that may make certain companies cheaper than others.

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Cincinnati Insurance may offer some of the best car insurance rates in Kentucky at around $1,093 per year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual would also be considered some of the lowest-priced Kentucky insurance companies.

In the above rates, if you currently have coverage with Kentucky Farm Bureau and switched to Cincinnati Insurance, you might achieve a yearly price reduction of approxmiately $81. Insureds with USAA might save as much as $82 a year, and Auto-Owners insureds might reduce rates by $278 a year.

To find cheap auto insurance for police officers in Kentucky for your vehicle, click here to get quotes or quote prices from the following companies.

Remember that these premium estimates are averaged for all drivers and vehicles in Kentucky and do not factor in a rate discount for police officers. So the car insurance company that can offer the best rates for your situation may not even be featured in the above list. That affirms the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.

When shopping for car insurance for law enforcement personnel, one of the many things that affect the price of your policy is where your car is garaged in Kentucky. Areas with more people or more claims like Louisville, Frankfort, and Radcliff likely pay more, whereas areas with less crime or weather claims tend to receive cheaper rates.

The illustration below lists the higher priced cities in Kentucky for police officers to purchase a policy in.

Rates are estimated as vehicle location can change price quotes significantly.

The car, truck, or SUV you are insuring is a large consideration when looking for the lowest-priced auto insurance for police officers. Vehicles with lower acceleration and performance, modern passenger safety features, or a track record of few liability claims will cost much less to insure than fast, unsafe models. The information below outlines insurance costs for a number of the more afforable vehicles to buy coverage for.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in specific location which can decrease or increase insurance rates significantly.

Based upon the table data, models like the Chevrolet Traverse, Honda CR-V, Ford Escape, and Hyundai Santa Fe are most likely to be some of the most budget-friendly vehicles to insure for law enforcement personnel.

The illustration below shows how different deductible levels can increase or decrease premium costs when searching for cheap insurance for police officers. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

The data above shows that a 40-year-old driver could reduce rates by $268 a year by increasing from a $100 deductible up to a $500 deductible, or save $404 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, could possibly save as much as $880 or more by choosing a larger deductible amount.

If you do raise deductibles, it will be required to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find economical auto insurance for police officers

Below you’ll find a few penny-pinching ideas that can help Kentucky drivers quote more affordable coverage.

• Buying your home and auto policies from the same company can earn a discount
• Drive vehicles with five-star safety ratings
• Drop full coverage on older vehicles
• Accident-free drivers may qualify for discounts
• Improve your credit rating
• Compare rates often to find the best deal

The last tip is notably crucial, as was affirmed in this article. Insurance prices change frequently, so drivers shouldn’t be resistant to change to a new company if you find a better deal.

We understand brand loyalty, but it’s not recommended if your bullheadedness ends up costing you a lot of money every month. In just a few minutes you could shop around and find cheaper insurance for police officers.

Who has the cheapest insurance quotes for law enforcement personnel?

There are a variety of different ways to buy car insurance in Kentucky, but the three most common ways are from an independent agent, an exclusive agency such as Liberty Mutual or State Farm, or direct either online or via phone. All three ways can provide car insurance quotes, but it’s important to understand the differences in how they provide rate quotes.

Independent insurance agents have contracts with multiple insurance companies and can compare rates with every one. Agents of this type do not work for one specific company and can quote rates with many companies, which can give you the best chance of saving money. If your premiums go up, they simply switch companies in-house which is easy for the insured.

A captive or exclusive agent is contracted to one insurance company, two of the more popular are a State Farm or Allstate agent. These agents are not able to provide rate quotes from other companies, so if prices are high they cannot provide alternatives.

When you buy car insurance direct, you skip local agents and buy from a direct company like Geico. This car insurance option is a good choice for drivers who do not need risk management and have knowledge of what specific coverages they need.

So which way is best to find cheap auto insurance for police officers in Kentucky? Most people assume that buying direct results in the cheapest price because there are no middleman commissions, but in reality, that is not true. We could also assume that an independent agent guarantees the cheapest rates due to more options, but again, that’s not accurate. In many cases, exclusive agents have coverage prices that cannot be beaten by either independent or direct companies.

Since car insurance companies use so many rating factors, the only true way to find out which one is cheapest is to obtain price quotes and compare them. If time allows, get price quotes from all three to give yourself plenty of rates to compare. For a list of companies offering online discounts, click here to view.