For state and federal workers, one of the big considerations that are looked at to determine the annual cost of car insurance is the neighborhood you call home. Areas with more people or higher crime rates tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.
The next table sorts the most expensive places in Arizona for government employees to buy auto insurance in. Tucson is listed at #15 costing $1,072 for the average policyholder, which is approximately $89 per month.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,161|
|25||Lake Havasu City||$852|
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Rates are approximated as specific location information can impact premiums considerably.
The vehicle to be insured is one of the biggest factors when comparing quotes for the best cheap car insurance for government employees. Vehicles with high performance, a lack of modern safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The data below showcases insurance prices for a selection of the more affordable vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,270|
|Honda CR-V LX 4WD||$1,276|
|Jeep Wrangler Sport 4WD 2-Dr||$1,435|
|Chevrolet Impala LS||$1,476|
|Hyundai Elantra SE Touring Station Wagon||$1,511|
|Dodge Grand Caravan Crew||$1,532|
|Ford Explorer XLT AWD||$1,555|
|Honda Civic LX-S 4-Dr Sedan||$1,557|
|Ford F-150 XL Super Cab 2WD||$1,578|
|Honda Odyssey EX-L W/Navigation||$1,585|
|Chevrolet Silverado LT Extended Cab 2WD||$1,611|
|Nissan Altima Hybrid 4-Dr Sedan||$1,613|
|Toyota Tacoma Double Cab 4WD||$1,646|
|GMC Sierra SLE Regular Cab 2WD||$1,654|
|Volkswagen Jetta S 4-Dr Sedan||$1,646|
|Ford Focus SE 4-Dr Sedan||$1,656|
|Toyota RAV4 Limited 2WD||$1,694|
|Toyota Corolla LE||$1,738|
|Toyota Camry SE||$1,744|
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in specific location information which can raise or lower rates substantially.
Based upon the rates shown, you can conclude that vehicles like the Ford Escape, Honda CR-V, Jeep Wrangler, and Chevrolet Impala will be a few of the cheapest vehicles to insure for state and federal workers.
The example below shows how choosing a deductible can impact insurance costs when trying to find cheap insurance for government employees. Data assumes a married male driver, comp and collision included, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could lower their car insurance rates by $322 a year by changing from a $100 deductible up to a $500 deductible, or save $484 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could possibly save $972 every year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Difference between liability only and full coverage rates
Saving on insurance is the goal of the majority of vehicle owners, and one of the best ways to buy cheaper insurance for government employees is to not buy comprehensive and collision coverage. The chart below illustrates the comparison of auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. The data is based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are factored in.
Averaged out for all age groups, full coverage on your policy costs $1,917 per year more than just insuring for liability. That proposes the question if it’s worth it to buy full coverage. There is no clear-cut formula to stop buying full coverage, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
How to find economical insurance for government employees
Here are some of the recommended thrifty suggestions that can help you get cheap auto insurance.
- Choose a safer vehicle and pay lower rates
- Accident-free drivers may qualify for discounts
- Bundle home and auto and earn a discount
- Maintain a clean driving record
- Frequent claims will increase rates
- Shop around for lower rates once a year
The last tip in the list is incredibly valuable, as was emphasized in this write-up. Coverage prices in Tucson can be adjusted at any time, so drivers shouldn’t hesitate to switch companies if you find a cheaper price. Many consumers stick with the same company and that’s fine, but it’s not recommended if that faithfulness ends up costing you hundreds of dollars year after year. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for government employees.
If you have questions and prefer to get some guidance when buying car insurance for state and federal workers, the agents shown below can most likely provide answers to your questions and help you determine which coverage fits your budget. To locate an agency using an interactive map, click the button at the bottom or click here to compare price quotes.
- Noreen Lawlor – State Farm Insurance Agent
8925 E Golf Links Rd – Tucson, AZ 85730 – (520) 722-7488
- Jeff Noel – State Farm Insurance Agent
9136 E Valencia Rd #110 – Tucson, AZ 85747 – (520) 574-7777
- Kevin Dale – State Farm Insurance Agent
5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456
- Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800