Who Has Cheap Car Insurance for Police Officers in New Jersey?

The car, truck, or SUV to be insured is a large consideration that determines the availablility of the best cheap car insurance for police officers. Vehicles with limited speed and performance, good crash test ratings, or a track record of few liability claims will cost much less to insure than adrenaline junky models. The list below estimates car insurance prices for a number of the most economical automobiles to buy insurance for.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in your specific New Jersey location which can decrease or increase insurance rates considerably.

Looking at the data, we can expect makes and models like the Honda Accord, Toyota Prius, Ford Escape, Honda CR-V, and Ford F-150 are likely to be the most budget-friendly vehicles to insure for law enforcement personnel.

One of the many components that determine rate quotes is your address in New Jersey. Areas with more people or even just a higher incidence of claims like West New York, East Orange, and Union City likely pay more, whereas more rural areas benefit from lower coverage costs.

The illustration below sorts the priciest cities in New Jersey for police officers to buy car insurance in.

Rate quotes are comparative as the specific zip code location can influence price quotes considerably.

Trying to find cost effective auto insurance is not most people’s favorite thing to do, and deciding which companies quote the cheapest insurance rates for police officers involves even more shopping around. Prices may be somewhat cheaper than the average policy in New Jersey, with the lower cost attributed to the potentially lower risk related to offering coverage for law enforcement personnel. Cost-effective coverage should be attainable from many insurers.
Each auto insurance company has their own formula to set policy rates, so first we will examine the insurance companies with the most affordable rates in New Jersey.

Keep in mind that New Jersey insurance rates are impacted by many things that can increase the policy price. Price variation is why consumers need to take the time to take the time to shop around when trying to find the most affordable car insurance quotes for police officers. Prices are calculated by many factors and change frequently, so the most economical option the last time you compared rates may now be one of the more expensive options.

Lowest Insurance Price Quotes for Law Enforcement

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21st Century generally has some of the lowest car insurance rates in New Jersey at around $1,100 per year. Travelers, New Jersey Manufacturers, Palisades, and Penn National also rank well as some of the most economical New Jersey car insurance companies.

In this example, if you currently buy coverage from New Jersey Manufacturers and switched to 21st Century, you may realize yearly savings of approxmiately $210. Insureds with Palisades could save as much as $241 a year, and Penn National insureds might lower prices by $266 a year.

To compare your rates to other New Jersey insurance companies, click here to get quotes or click through to the companies below.

Understand that those policy prices are averages across all insureds and vehicles and do not take into consideration a rate discount for police officers. So the auto insurance company that can offer you the best rate may not even be featured in the list of companies above. That helps illustrate why you need to compare rates from multiple companies using your own personal information and vehicle type.

Discounts on cheap auto insurance for police officers in New Jersey

Insurance companies that offer cheap quotes for police officers may provide special discounts that could lower prices by 30% or more if you meet certain criteria. A list of insurance companies and a summarized list of policyholder discounts are outlined below.

• GEICO has savings for defensive driver, anti-lock brakes, seat belt use, multi-vehicle, and membership and employees.
• USAA may have discounts that include new vehicle, loyalty savings, multi-vehicle, safe driver, family discount, vehicle storage, and defensive driver.
• Progressive may include discounts for online quote discount, good student, multi-vehicle, multi-policy, and online signing.
• American Family may offer discounts for multi-vehicle, Steer into Savings, TimeAway discount, air bags, and early bird.
• Esurance policyholders can earn discounts including online quote, multi-car, Switch & Save, defensive driver, safety device, and anti-theft.
• Farmers Insurance includes discounts for homeowner, good student, alternative fuel, early shopping, and youthful driver.
• State Farm has discounts for Drive Safe & Save, multiple autos, multiple policy, anti-theft, passive restraint, defensive driving training, and driver’s education.

The example below visualizes the comparison of premium costs with and without some available policy discounts. The data is based on a female driver, no claims or violations, New Jersey state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, safe-driver, defensive driving course, claim-free, homeowner, and multiple policy discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for police officers is 28% or $536.

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State Farm, Geico, Allstate, and Progressive compared

When buying car insurance, the first places to look would be State Farm, Geico, Allstate, and Progressive. Combined they make up over 48% of all auto insurance policies in force. The data below points out ratings for price, service, and claims, in additional to some of the optional coverages that you can purchase from each one.

Best cheap insurance quotes for law enforcement personnel

Drivers have a lot of different ways to shop for and buy insurance in New Jersey, but the most popular methods are using a captive (or exclusive) agent such as State Farm or Liberty Mutual, an independent insurance agent, or direct either online or via phone.

All three ways are similar, but each is slightly different in how they work.

Independent agents work for many companies and can compare rates with every one. Independent agents are not employed by only one company and can provide you with more rates, which may give you a better comparison. If your premiums go up, it’s simple to move the policy and that require little work on your part.

An agent who is captive is able to quote prices with one company, two of the more popular are an Allstate or State Farm agent. These agents are unable to shop your coverage around, so you will not be able to compare multiple prices.

If you choose to buy insurance direct, you forego local insurance agents and buy direct online or over the phone from a company like Progressive or Esurance. Buying direct can be good for consumers who do not need high amounts of coverage and have some degree of understanding of what limits they need.

What is the best way to find cheap auto insurance for police officers in New Jersey? It would be simple to say buying from a direct car insurance company results in the cheapest price since it doesn’t require paying agent commissions, but in reality, that is not the case. A valid argument could also be made that an independent agency results in the best rates due to increased selection, but that assumption is not true either. In many cases, exclusive agents may have prices that are the lowest in New Jersey.

Because it’s impossible to say who has the best insurance rates, really the best method to ensure you are not overpaying is to compare lots of quotes. If you want to save money, get quotes from all three types to have enough rates to compare. For a list of companies offering online discounts in New Jersey, click here to view.