Cheap Car Insurance Quotes for Police Officers in Washington

The words “low-cost” and “insurance” probably shouldn’t be used together, in particular when you are trying to find the cheapest auto insurance for police officers. Because it’s not cheap, let’s teach you some of the factors that influence auto insurance premiums, and find out if you can reduce the price of the next policy you buy.

When buying insurance for law enforcement personnel, one of the key factors that insurance companies use to calculate the amount you pay each year for auto insurance is where you live. Urban areas that are densely populated like Tacoma, Lakewood, and Shoreline will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims enjoy lower insurance rates.

The next table shows the more expensive cities in Washington for police officers to purchase a policy in.

Premium costs are approximated as the specific garaging location can lower or raise rates substantially.

Comparing rates for affordable insurance is not the easiest thing to do, and finding out which company offers the best car insurance rates for police officers involves even more work. Insurance prices should be somewhat lower-priced than the average rate in Washington, with the lower cost attributed to the decrease in risk related to selling coverage for law enforcement personnel. Competitive coverage should be available from many insurance companies.
Every car insurance company uses a different method to determine premium rates, so let’s begin by taking a look at the car insurance companies that tend to be cheaper in Washington.

Cheap Insurance Rates for Law Enforcement

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Capital may have some of the best car insurance rates in Washington at around $754 annually. Grange, Nationwide, Travelers, and PEMCO would also make the list of some of the lowest-priced Washington car insurance companies.

As depicted above, if you currently have a policy with PEMCO and switched to Grange, you could see an annual savings of around $166. Policyholders with Mutual Enumclaw may save as much as $216 a year, and The Hartford customers might see rate reductions of $220 a year.

Bear in mind that those estimates are averaged for all types of insureds and vehicles and do not take into consideration a rate discount for police officers. So the car insurance company that can offer you the lowest price may not even be featured in the list of companies shown earlier. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.

We all like different vehicles, and the type of vehicle requiring coverage is one of the primary factors that determines the availablility of cheap auto insurance for police officers in Washington. Vehicles with higher performance, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than more economical and safe models.

The tables below estimates insurance rates for a number of the most cost-effective automobiles to insure.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in vehicle location which can change coverage prices considerably.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in specific location information which can revise price quotes substantially.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate information does not factor in specific Washington garaging location which can decrease or increase auto insurance rates substantially.

Driving violations and accidents

A great way to earn the best car insurance prices in Washington for law enforcement personnel is to be an attentive driver and avoid accidents and traffic violations. The diagram below shows how speeding tickets and accident claims influence premium costs for different age groups. The premiums are based on a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

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In the chart above, the average cost of an auto insurance policy in Washington per year with no accidents or violations is $1,308. Factor in two speeding tickets and the average cost swells to $1,861, an increase of $553 each year. Then include one accident along with the two speeding tickets and the yearly cost of car insurance for police officers goes up to an average of $2,414. That’s an increase of $1,106, or $92 per month, just for not driving responsibly!

Which auto insurance company is best?

If you want the best auto insurance for law enforcement personnel in Washington, the companies that insure more vehicles than anyone else are Allstate, State Farm, Geico, and Progressive. When added together, they make up about 50% of all car insurance policies written. All of them offer physical damage and liability coverage, but each has slightly different coverage options that you can select from. The next table shows some of the different options and features that may be available in Washington.

Cheapest insurance quotes for law enforcement personnel

There are many ways to quote cheap car insurance rates in Washington, but the most frequently used methods are using an exclusive insurance agent such as Allstate or Auto-Owners, an independent or non-exclusive agent, or buying direct from a company like Geico or Progressive. Each way has the same basic steps, but shoppers should understand the differences in how they function.

Independent insurance agents have contracts with multiple insurance companies and can compare coverage rates with all of them. They are not locked into one company and can give you more rate choices, which can give you a better comparison. If a cheaper price is found, they simply move the coverage in-house which makes it simple for you.

A captive or exclusive agent is restricted to just one company, a couple examples are an Allstate or State Farm agent. Exclusive agents are unable to provide other companys’ prices, which necessitates shopping around.

Consumers who buy car insurance direct bypass local agents and instead shop direct from companies such as Progressive or Geico. Buying car insurance direct may be preferred by families who have little risk and understand what coverages they need.

What is the best method for finding cheap auto insurance for police officers in Washington? The majority of people assume that shopping direct results in the cheapest price since that prevents the need to pay agent commissions, but in reality, that argument does not hold true. A valid argument could also be made that going through an independent agent saves the most money due to having more companies to select from, but that idea is not necessarily true either. For the right applicant, the exclusive agents have price quotes that are impossible to beat.

Since car insurance prices vary so much, the best way to ensure the lowest rates is to do a thorough rate comparison. The ideal approach is to get rate quotes from all three in order to have the best selection to choose from. For a list of car insurance companies with low rates, click here to view.