Wouldn't it be so easy if we could instantly tell you that one special company that has the best deal on coverage for police officers? It's not that easy, however, as there are a whole slew of unknown aspects like the level of liability coverage you want, tickets or driving violations, and the deductible level you need, that all influence how much you pay for auto insurance. We are going to cover the best ways to avoid overpriced car insurance and should give you a good start in finding the cheapest insurance for law enforcement.
Buying cost effective auto insurance is difficult, and finding out which companies have the most affordable car insurance rates for police officers in Colorado calls for even more diligence. Insurance premiums should be a little bit less expensive than the average price in Colorado due to the potential for fewer claims associated with offering coverage for law enforcement personnel. Economical insurance should be attainable from many preferred companies. Each company has a proprietary method to set premium rates, so we'll go over the car insurance companies with the overall best prices in Colorado.
We do need to point out that Colorado car insurance rates are influenced by many factors that will increase or decrease the cost of your policy. This price fluctuation is why it is critical to spend some time comparing rates when trying to find the best auto insurance quotes for police officers. Insurance rates can be determined by many risk factors and can change substantially, so the most affordable company the last time you checked may now be priced much higher than other options.
Best Auto Insurance Prices for Law Enforcement
|Rank||Company||Cost Per Year|
|15||Colorado Farm Bureau||$1,576|
|View More Rates Go|
The Hartford normally has some of the cheapest car insurance rates in Colorado at around $859 a year. Grange, USAA, Nationwide, and Travelers also rank well as some of the cheaper Colorado auto insurance companies.
As depicted above, if you currently have a policy with Grange and switched to The Hartford, you could earn yearly savings of in the neighborhood of $128. Customers with USAA might save as much as $150 a year, and Nationwide insureds might lower prices by $296 a year.
To find the cheapest rates for your vehicle, click here to start your free quote or click through to the companies below.
Bear in mind that those policy rates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a rate decrease for police officers. So the car insurance company that has the cheapest rates for you may not even be in the top 21 companies in the list above. That emphasizes why you need to get auto insurance quotes using your own individual information.
For law enforcement personnel, one of the largest things that are looked at to help calculate the amount you pay for auto insurance is your address in Colorado. More densly populated places like Denver, Aurora, and Commerce City likely pay more, whereas less populated areas have the enjoyment of a little cheaper coverage.
The following table sorts the highest-priced places in Colorado for police officers to buy auto insurance in.
|Rank||City||Premium Per Year|
|Compare Rates Now Go|
Rate quotes are approximated as the specific geographic location can change premium rates significantly.
The type of vehicle on the policy is one of the primary factors when looking for the lowest-priced insurance for police officers. Vehicles with high performance features, a lack of modern safety features, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models.
The next table ranks auto insurance costs for a selection of the most cost-effective automobiles to insure in Colorado.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$872|
|Ford Edge SE 2WD||$954|
|Ford Explorer XLT AWD||$973|
|Ford Escape XLT 2WD||$984|
|Honda Odyssey EX-L W/Rear Entertainment||$1,085|
|Nissan Altima Hybrid 4-Dr Sedan||$1,104|
|Chevrolet Malibu LTZ||$1,110|
|Toyota Tacoma 2WD||$1,108|
|Chevrolet Impala LS||$1,117|
|Ford F-150 XLT Regular Cab 4WD||$1,108|
|Dodge Ram Quad Cab SLT 2WD||$1,120|
|Chevrolet Equinox LT AWD||$1,129|
|Start a Quote Go|
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in garaging location in Colorado which can modify rates noticeably.
Based upon the rates shown, we can infer that makes and models like the Honda CR-V, Ford Edge, and Ford Explorer are most likely to be a few of the cheaper vehicles to insure for law enforcement personnel.
Cautious Colorado drivers save money
The obvious way to obtain good car insurance prices in Colorado for law enforcement personnel is to drive attentively and avoid traffic citations and accidents. The chart below highlights how traffic violations and accidents can raise annual premium costs for different ages of insureds. The premiums assume a married female driver, full coverage, $100 deductibles, and no discounts are applied.
In the previous chart, the average cost of a car insurance policy in Colorado per year with no accidents or violations is $2,068. Receive two speeding tickets and the average cost jumps to $2,954, an increase of $886 each year. Next add one accident along with the two speeding tickets and the 12-month cost of car insurance for police officers in Colorado goes up to an average of $3,862. That's an increase of $1,794, or $150 per month, just for not driving safely!
How to get discounts on Colorado insurance
Insurers that provide policies for police officers may have rate discounts that can lower rates by 30% or more if you are eligible for them. Large car insurance companies and some of the discounts can be read below.
- State Farm offers discounts including multiple policy, student away at school, anti-theft, accident-free, and driver's education.
- American Family includes discounts for mySafetyValet, bundled insurance, multi-vehicle, good driver, air bags, and early bird.
- GEICO has savings for multi-policy, membership and employees, emergency military deployment, air bags, daytime running lights, and multi-vehicle.
- 21st Century has discounts for air bags, theft prevention, defensive driver, driver training, teen driver, and 55 and older.
- Progressive discounts include online signing, multi-vehicle, continuous coverage, online quote discount, good student, and multi-policy.
The illustration below illustrates the comparison of car insurance rates with and without discounts. The rate quotes are based on a female driver, no claims or driving citations, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, anti-theft, marriage, accident-free, claim-free, and defensive driving course discounts applied. When discounts are factored in, the average savings per year on car insurance for police officers is 28% or $437.
How to find low-cost insurance for police officers in Colorado
The list below summarizes some of the better thrifty ideas that can help Colorado drivers quote low-cost coverage.
- Do not insure for full coverage
- Earn discounts for being claim-free
- Higher deductibles save money
- Ensure your driving record is clean
- Accidents can significantly increase rates
- Compare rates and switch if you can find a better deal
That final tip is highly crucial, as we discussed in this write-up. Prices charged by car insurance companies can change considerably in a year, so drivers shouldn't be reluctant to buy a different policy if a cheaper rate is available. Having a favorite company is great, but it isn't a good idea if that devotedness results in you overpaying lots of hard earned cash every month. In just a few minutes you could compare prices to find cheaper insurance for police officers.