Cheap Car Insurance Quotes for Police Officers in Connecticut

We always joke that when we write about car insurance, the words cheap or affordable should not appear as a descriptor for auto insurance rates. Sad but true, cheap auto insurance for police officers is pretty hard to find. But don’t let us ruin your dream, because we are going to show you some ways you can still find and buy coverage that doesn’t cost an arm and a leg.

Shopping around for reasonably-priced auto insurance is tough enough, and figuring out which company quotes the most affordable insurance rates for police officers will involve a little more work. Coverage rates may be somewhat lower than the state average, with the lower cost attributed to the decrease in risk associated with selling coverage for law enforcement personnel. Economical coverage should be easily found from many preferred companies.

Every insurance company uses their own formula to set policy rates, so to begin we’ll rank the overall cheapest insurance companies in Connecticut. It’s important that readers know that Connecticut insurance rates are influenced by many factors that will increase or decrease the cost of your policy. Simply getting older, buying a new vehicle, or getting a driving violation can trigger rate changes resulting in some companies being cheaper than competitors.

Best Cheap Insurance Rates for Law Enforcement

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Utica National may offer some of the most affordable car insurance rates in Connecticut at around $965 annually. Travelers, Amica, USAA, and Nationwide also are some of the more affordable Connecticut insurance companies.

In the above example, if you are a policyholder with USAA and switched to Travelers, you might achieve a yearly savings of around $146. Connecticut drivers with Nationwide may save as much as $300 a year, and MetLife policyholders might reduce prices by as much as $439 a year.

To find cheap auto insurance for police officers in Connecticut for your vehicle, click here to begin a quote or quote rates from the companies below.

These policy prices are averages for all types of drivers and the different vehicles they drive and do not factor in a price decrease for police officers. So the company that has the cheapest price for you may not even be in the list above. That helps illustrate why you need to get rate quotes using your own driver and vehicle profiles.

For law enforcement personnel, one of the more important things that influence the cost of insurance is where you call home in Connecticut. Areas that are more densely populated like Hartford, New Haven, and West Haven tend to pay higher rates, whereas areas with lower vehicle theft rates and fewer weather claims generally benefit from lower insurance rates.

The next table lists the most expensive places in Connecticut for police officers to purchase a policy in.

Table data uses estimated as the specific zip code location can affect price quotes considerably.

The cost and performance of the vehicle driven is one of the largest factors when consumers are trying to find the most economical insurance for police officers. Vehicles with average performance, good crash test ratings, or a low likelihood of having liability claims will cost substantially less to insure than high performance models. The information below illustrates car insurance costs for a handful of the cheaper vehicles to buy coverage for.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in vehicle garaging location which can raise or lower premiums significantly.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Information does not factor in zip code location which can revise rates significantly.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in zip code location which can affect coverage prices considerably.

Selecting the best company can be a challenge considering how many companies there are in Connecticut. The company rank data displayed below can help you pick which providers to look at comparing rate quotes with. The rankings below only include companies that write coverage in many states, so smaller companies that only insure vehicles in Connecticut are not taken into consideration for the list.

Top 10 Large Car Insurance Companies in Connecticut Ranked by Customer Service

1. American Family
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. GEICO
7. USAA
8. Allstate
9. Farmers Insurance
10. Safeco Insurance

Top 10 Large Car Insurance Companies in Connecticut Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. GEICO
5. State Farm
6. Nationwide
7. The General
8. Allstate
9. The Hartford
10. 21st Century

The diagram below shows how choosing a deductible can increase or decrease insurance prices when getting quotes for cheap insurance for police officers. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied.

As shown above, a 50-year-old driver could lower their car insurance rates by $240 a year by changing from a $100 deductible up to a $500 deductible, or save $364 by using a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could lower their rates up to $800 every year by using a higher deductible.

When choosing a higher deductible, it will be important to have enough savings set aside to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.