Best Cheap Auto Insurance for Police Officers in California

For law enforcement personnel, one of the largest factors that insurance companies take into consideration when calculating the price of your policy is where your car is garaged in California. Areas with more people or higher crime rates like Los Angeles, San Francisco, and Sacramento tend to have more expensive car insurance rates, whereas less populated areas have the benefit of cheaper auto insurance prices.

The table below lists the most expensive places in California for police officers in which to purchase auto insurance.

Premium amounts are approximated as the vehicle garaging location can increase or decrease prices greatly.

The make and model of vehicle requiring insurance is probably the most important factor that determines the availablility of the best cheap car insurance for police officers in California. Vehicles with economical engines, a great safety record, or a track record of few liability claims will cost quite a bit less to insure than fast, unsafe models. The information below estimates coverage premiums for some of the cheaper vehicles to insure.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Table data does not factor in specific garaging location which can influence insurance rates considerably.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in specific California garaging location which can lower or raise auto insurance rates considerably.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter rates substantially.

The illustration below shows how different deductible levels can impact annual premium costs when getting quotes for cheap insurance for police officers. The premiums assume a single female driver, full coverage, and no policy discounts are applied.

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As shown above, a 50-year-old driver could pocket $350 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $530 by choosing a $1,000 deductible. Young drivers, like the 20-year-old, could save up to $888 each year by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it will now be necessary to have plenty of money set aside to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.

Difference between liability only and full coverage rates

Finding the best cheap car insurance for police officers in California is important to the majority of people, and one of the best ways to pay lower rates for insurance is to only pay for liability coverage. The illustration below shows the comparison of insurance prices with liability coverage only compared to full coverage. The rate quotes are based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are applied.

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Averaged for all ages 20 through 70, physical damage coverage on your policy costs $3,093 per year more than just buying liability insurance. Many people question if paying for full coverage is a waste of money. There is no specific rule to drop comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s assume your vehicle’s settlement value is $8,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $7,500 after the policy deductible has been paid. If you are paying over $750 a year for full coverage, then it might be time to buy liability only.

There are some scenarios where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Company comparison: Progressive vs Geico vs State Farm vs Allstate

When researching car insurance for law enforcement personnel in California, some of the largest companies to start with are Progressive, Geico, State Farm, and Allstate. If you add them together, they insure over 45% of the entire U.S. market share. They all have the same basic coverages, but each one has somewhat different options that can influence your buying decision. The data below illustrates some of the ratings and options .