Finding dependable, low-cost car insurance is not the easiest thing to accomplish, and figuring out which company has the best auto insurance rates for police officers takes additional perseverance.
Each company has a proprietary formula for determining prices, so first let’s look at the rankings for the overall cheapest auto insurance companies in Tucson, AZ. We do need to point out that Tucson, AZ auto insurance rates are impacted by many factors which can significantly increase or decrease the price of coverage. Simply having a birthday, buying another vehicle, or getting a speeding ticket can produce rate changes resulting in some companies being more affordable than the competition.
Best Car Insurance Prices for Law Enforcement
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford offers some of the lowest car insurance rates in Tucson at around $836 each year. This is $592 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are also some of the more affordable Tucson, AZ insurance companies.
As the rates illustrate above, if you are currently insured with Auto-Owners and switched to The Hartford, you could earn an annual premium reduction of in the vicinity of $88. Drivers with Travelers could save as much as $250 a year, and USAA customers might see rate reductions of $277 a year.
Bear in mind that those premiums are averaged for all insureds and vehicles and do not take into consideration an exact location for police officers. So the car insurance company that has the cheapest price for you may not even be in the top 28 companies in the list above. That illustrates why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
The make and model of vehicle requiring insurance is probably the most important factor when quoting cheap auto insurance for police officers. Vehicles with higher performance, poor safety features, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models.
The data below showcases auto insurance prices for some of the most economical automobiles to insure in Arizona.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,182|
|Honda CR-V EX-L 2WD||$1,209|
|Hyundai Elantra GLS Touring Station Wagon||$1,352|
|Ford F-150 XLT Super Cab 4WD||$1,354|
|Honda Odyssey EX W/Rear Entertainment||$1,372|
|Ford Escape XLT 4WD||$1,382|
|Volkswagen Jetta LE 4-Dr Sedan||$1,399|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,426|
|Ford Edge SE 2WD||$1,488|
|Chevrolet Malibu LTZ||$1,500|
|Dodge Grand Caravan SE||$1,517|
|Ford Explorer XLT 2WD||$1,522|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,525|
|Ford Focus SES 2-Dr Coupe||$1,574|
|Chevrolet Silverado Crew Cab Hybrid 4WD||$1,596|
|Toyota Camry Hybrid||$1,601|
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium costs do not factor in specific garaging location which can increase or decrease coverage rates greatly.
Looking at the rates, you can see that models like the Honda Accord, Honda CR-V, and Toyota Prius are most likely going to be some of the more affordable vehicles to insure for law enforcement personnel.
Choosing a good quality car insurance provider can be difficult considering how many choices you have in Arizona. The company rank data below may help you choose which auto insurers you want to consider when insurance shopping for police officers. These ratings are for large insurance companies, so companies that focus mainly on Arizona business are not taken into consideration for this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Get discount Tucson auto insurance rates
Auto insurance companies that offer coverage for police officers may also offer special discounts that could reduce prices by as much as 30% if you meet specific criteria. The best auto insurance companies and a summarized list of policyholder discounts are outlined below.
- State Farm offers discounts for good driver, anti-theft, multiple autos, defensive driving training, and student away at school.
- American Family offers premium reductions for good driver, defensive driver, accident-free, air bags, good student, and bundled insurance.
- AAA may have discounts that include anti-theft, multi-policy, AAA membership discount, good driver, and education and occupation.
- GEICO discounts include multi-vehicle, defensive driver, air bags, good student, emergency military deployment, federal employee, and five-year accident-free.
- Mercury Insurance has savings for ease of repair, annual mileage, low natural disaster claims, multi-car, multi-policy, and good driver.
- Farmers Insurance includes discounts for pay in full, switch companies, teen driver, distant student, mature driver, and good student.
- Progressive policyholders can earn discounts including online signing, multi-policy, good student, homeowner, and continuous coverage.
The diagram below illustrates the comparison of car insurance costs with and without discounts. Data assumes a male driver, no violations or claims, Arizona state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, claim-free, accident-free, vehicle safety, passive restraint, and multiple policy discounts applied. In this example, the average savings per year on auto insurance for police officers is 28% or $595.
The importance of shopping around
Arizona auto insurance rates are impacted by many things that can increase the cost of your policy. Getting older, getting divorced, or getting a reckless driving citation can cause premium changes that can cause some rates to be cheaper than competitors.
Not only may your situation change, but insurers file new Arizona car insurance rates as often as every quarter in order to be able to pay unexpected claims. Higher than usual claims can cause additional price hikes, while profitable underwriting may result in more affordable Tucson car insurance rates.
To help illustrate this point, the bar chart below shows the company with the cheapest car insurance in Tucson, AZ for a 40-year-old female driver with no accidents, a clean driving record, and a high credit rating. If we look at prices based on her personal risk profile, The Hartford offers the most affordable car insurance rates in Tucson at $1,001 annually. This is $427 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remainder of the most affordable Tucson, AZ auto insurance companies.
Now let’s give the driver from the above example a claim or two, a lower credit rating, and a blemish on her driving record. Because every insurance company has a different process for setting rates, comparing prices will most likely result in a significantly different list of companies as shown below.
GEICO now has the cheapest price in Tucson, AZ with Ameriprise Group, Allied, Auto-Owners, and CSAA also being competitive. This example illustrates why it is critical to compare lots of rates to get cheap insurance quotes for police officers.
Insurance prices are impacted by many different factors and can decrease or increase without notice, so the most economical option when you bought your policy may now be costing you a lot of money.
If you have coverage questions and would like to have professional advice when buying car insurance for law enforcement personnel, the agencies below are willing to provide answers to your questions and help you determine which is the best policy. To find a Tucson insurance agency near you, click the button link following the list or click here to compare price quotes now.
- DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888
- Tim Heffentrager – State Farm Insurance Agent
116 S Kolb Rd – Tucson, AZ 85710 – (520) 296-7181
- Nancy Craney – State Farm Insurance Agent
3720 W Ina Rd #132 – Tucson, AZ 85741 – (520) 742-9947
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456
How to find budget-friendly auto insurance for police officers
The list below shows some penny-pinching ideas that can help you buy more affordable coverage.
- Higher credit ratings may save you money
- Get cheaper liability coverage by choosing a safer vehicle
- Do not get tickets
- Increase your physical damage deductibles
- Avoid having at-fault accidents
- Compare rate quotes often
The last tip in the list is very critical, as was stressed in the article above. Prices charged by auto insurers fluctuate constantly, so don’t be unwilling to buy from a different company if a cheaper price is available. Many drivers prefer to stick with one company, but it’s not a good idea if that stubbornness costs you a lot of money. Take a few minutes and compare rates to find cheaper car insurance for police officers in Tucson.