The words "bargain" and "insurance" probably shouldn't be used in the same sentence, in particular when searching for the cheapest coverage for police officers. To save some money, let's get started by showing you a few of the things the can have a considerable influence on car insurance prices, and come up with some ways to lower the cost of the next policy you buy.
One of the many considerations that help determine the annual cost of car insurance is where your residence is. Cities with more crime and/or more people like Saint Louis, University City, and Chesterfield likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The information below shows the priciest cities in Missouri for police officers to purchase car insurance in.
|Rank||City||Premium Per Year|
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Table data uses estimated as the specific geographic location can raise or lower premium rates substantially.
The vehicle model requiring insurance is one of the largest factors that determines whether or not you can buy low-cost insurance for police officers. Vehicles with high performance, a lack of modern safety features, or an increased likelihood of liability claims will cost much more to insure than safer models.
The data below features coverage prices for some of the most budget-friendly vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$437|
|Ford Escape XLT 2WD||$477|
|Volkswagen Jetta 2.0T Station Wagon||$499|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$515|
|Ford F-150 STX Regular Cab 2WD||$520|
|Nissan Altima 2.5 S 4-Dr Sedan||$531|
|Hyundai Elantra SE 4-Dr Sedan||$540|
|Jeep Wrangler Rubicon 4WD 2-Dr||$534|
|Ford Explorer Eddie Bauer 2WD||$540|
|Chevrolet Impala LS||$536|
|Chevrolet Silverado LT Crew Cab 4WD||$540|
|GMC Sierra SLE Regular Cab 4WD||$547|
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate information does not factor in specific Missouri garaging location which can increase or decrease premiums considerably.
Looking at the numbers, makes and models like the Honda CR-V, Toyota Prius, and Ford Escape should be some of the cheaper vehicles to insure for law enforcement personnel.
Finding reliable, low-priced insurance is not the easiest thing to do, and finding out which companies offer the most affordable car insurance rates for police officers in Missouri involves a little more work. Coverage prices may be somewhat lower-priced than the average price in Missouri attributed to the lower likelihood of claims related to offering insurance for law enforcement personnel. Economical insurance should be readily available from many insurers. Every car insurance company has a different process for establishing rates, so let's take a look at the car insurance companies with the most affordable rates in Missouri.
Find the Cheapest Auto Insurance for Law Enforcement
|Rank||Company||Cost Per Year|
|5||MO Farm Bureau||$1,032|
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USAA generally has some of the cheapest car insurance rates in Missouri at around $662 annually. This is $600 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and MO Farm Bureau also rank well as some of the best Missouri insurance companies.
In the above rates, if you currently have a policy with Electric and switched to USAA, you might realize a yearly price reduction of about $205. Policyholders with Allied might save as much as $213 a year, and MO Farm Bureau policyholders might cut rates by $370 a year.
To find the cheapest coverage for you, click here to get quotes or click several companies below for low rates.
Bear in mind that those premium estimates are averaged for all insureds and vehicles and and are not calculated with a price discount for police officers. So the company that can offer you the best price may not even be in the list above. That point stresses why you need to get quotes using your own specific driver and vehicle information.
Get discounts on Missouri car insurance
Insurers that offer quotes for police officers could also offer price discounts that could potentially reduce rates by 40% or more if you meet specific eligibility requirements. Popular car insurance companies and their possible discounts are outlined below.
- Esurance offers discounts including homeowner, claim free, online shopper, good student, and DriveSense.
- The Hartford has savings for driver training, good student, bundle, air bag, and vehicle fuel type.
- AAA offers premium reductions for AAA membership discount, good student, good driver, education and occupation, and anti-theft.
- GEICO has discounts for anti-theft, emergency military deployment, driver training, good student, five-year accident-free, and anti-lock brakes.
- State Farm may have discounts that include anti-theft, Drive Safe & Save, Steer Clear safe driver discount, student away at school, passive restraint, good student, and driver's education.
The diagram below compares insurance prices with and without discounts applied. Data assumes a female driver, no accidents or driving violations, Missouri state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, claim-free, multiple vehicle, accident-free, safe-driver, and anti-theft discounts applied. In this example, theaverage amount saved on car insurance for police officers is 27% or $367.
The information below shows how choosing a deductible can impact annual premium costs when researching cheap insurance for police officers in Missouri. The premiums are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could cut expenses by $286 a year by changing from a $100 deductible up to a $500 deductible, or save $430 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could reduce their rates up to $734 annually just by choosing higher deductibles when buying full coverage.
When using a larger deductible, it is important to have enough savings set aside to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to find low-cost auto insurance for police officers
The list below shows a few penny-pinching suggestions that can help Missouri drivers locate lower-cost coverage.
- Do not get into accidents
- Buying car and homeowners insurance together can save money
- Better credit rating means better rates
- Raise deductibles
- Pay less by remaining claim-free
- Do not get traffic violations
- Shop around once a year for cheaper rates
The last idea is notably valuable, as we hit on in the prior article. Prices fluctuate considerably, so drivers shouldn't be resistant to buy a policy from a new company if a lower price can be found. Sticking with a specific company is fine, but is isn't recommended if that devotion results in you overpaying thousands of dollars over several years. Now is a great time to compare rates and find cheaper car insurance for police officers.