Deciding which insurers offer the best insurance rates for police officers involves a little more effort in order to find the lowest price. Every insurance company used slightly different criteria for determining prices, so let’s take a look at the insurance companies with the overall best prices in Scottsdale, AZ.
It’s important to know that Scottsdale insurance rates are impacted by many factors that will increase or decrease the policy premium. Improving your credit score, buying a different vehicle, or getting a few speeding tickets can trigger price changes that can now make some companies much cheaper than others.
Cheapest Insurance Rates for Law Enforcement
The Hartford normally has some of the lowest car insurance rates in Scottsdale at around $845 annually. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the best Scottsdale, AZ car insurance companies.
As the rates illustrate above, if you currently have coverage with Travelers and switched to Auto-Owners, you may realize savings of in the vicinity of $193. Insureds with USAA could save as much as $209 a year, and Progressive policyholders might lower prices by up to $237 a year.
Remember that these premiums are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact location for police officers. So the company that is best for you may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
The make and model of vehicle that is being insured is one of the biggest factors when shopping for the cheapest coverage for police officers. Vehicles with limited speed and performance, an excellent safety record, or a positive history of liability claims will cost much less to insure than higher performance models. The information below showcases coverage premiums for a number of the most economical automobiles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,332|
|Ford Escape XLS 4WD||$1,526|
|Hyundai Elantra GLS Touring Station Wagon||$1,532|
|Chevrolet Impala LS||$1,550|
|Honda CR-V EX 4WD||$1,560|
|Chevrolet Equinox LT AWD||$1,581|
|Ford Fusion SEL 4-Dr Sedan||$1,694|
|Jeep Grand Cherokee Limited 4WD||$1,701|
|Ford F-350 XL Super Cab Turbo Diesel 2WD||$1,754|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$1,764|
|Volkswagen Jetta 2.0T Station Wagon||$1,783|
|GMC Sierra Denali Crew Cab 2WD||$1,807|
|Toyota Camry Hybrid||$1,809|
|Kia Optima EX||$1,814|
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in zip code location which can influence price quotes noticeably.
Looking at the data, we can conclude that cars like the Honda Accord, Ford Escape, Hyundai Elantra, and Chevrolet Impala should be some of the most affordable vehicles to insure for law enforcement personnel.
For law enforcement personnel, one of the big factors that are used to help calculate the amount you pay for auto insurance is where you normally keep your vehicle. More densely populated places tend to have more expensive auto insurance rates, whereas less populated areas have the benefit of cheaper auto insurance prices.
The next table ranks the highest-priced areas in Arizona for police officers in which to purchase auto insurance. Scottsdale is ranked at #4 with an annual premium of $1,163 for coverage, which is around $97 monthly.
|5||San Tan Valley||$1,161|
|25||Lake Havasu City||$852|
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Rates are comparative as the vehicle garaging location can lower or raise prices noticeably.
Do you need full coverage?
Paying less for insurance is probably important to most people, and one good way to reduce the cost of insurance for police officers is to buy liability only. The chart below illustrates the comparison of insurance prices with full coverage and liability only. The costs are based on no claims or driving violations, $500 deductibles, drivers are not married, and no additional discounts are factored in.
If we average the cost for ages 20 through 70, physical damage insurance costs an extra $1,919 per year over liability only. A very common question is when is it a good idea to stop buying full coverage. There is no definitive guideline of when to stop paying for full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
For example, let’s say your vehicle’s claim settlement value is $7,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,500 after paying the physical damage deductible. If it’s costing in excess of $650 a year for full coverage, then it could be time to drop full coverage.
There are some cases where removing full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.
Get discounts on Scottsdale car insurance
Insurance companies that provide coverage for police officers may additionally offer special discounts that could potentially reduce rates by as much as 40% or more if you qualify for them. A few of the larger companies and a summarized list of policyholder discounts are detailed below.
- State Farm offers discounts including accident-free, student away at school, multiple autos, Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, and good student.
- Progressive may offer discounts for multi-vehicle, good student, multi-policy, homeowner, online signing, continuous coverage, and online quote discount.
- Travelers includes discounts for hybrid/electric vehicle, driver training, save driver, early quote, and payment discounts.
- American Family may include discounts for mySafetyValet, good driver, air bags, good student, accident-free, and bundled insurance.
- Liberty Mutual may have discounts that include newly retired, preferred payment discount, multi-car, good student, teen driver discount, and newly married.
The diagram below visualizes the comparison of auto insurance costs with and without discounts. The prices are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, passive restraint, defensive driving course, vehicle safety, anti-theft, and claim-free discounts applied. When discounts are applied, the average savings per year on insurance for police officers is 28% or $650.
The importance of shopping around
Scottsdale insurance rates are impacted by many things that may substantially change the price of your policy. Improving your credit score, having a teen driver, or getting a DUI can trigger changes in premium resulting in some rates now being affordable when they were higher priced. Not only may your risk profile change, but car insurance companies change their prices as needed in order to maintain liquidity for claims. Larger than normal claims may cause more expensive premiums, while better underwriting can produce lower-priced Scottsdale car insurance rates.
As an example, the graph below shows the companies that have the cheapest car insurance in Scottsdale, AZ for a 40-year-old male driver with no accidents, a clean driving record, and great credit. If we look at prices based on his current rating profile, The Hartford might offer the cheapest car insurance rates in Scottsdale at $1,075 a year. This is $353 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Progressive are also included in the cheapest Scottsdale, AZ auto insurance companies.
Let’s now give the driver in the first example a claim, a lower credit rating, and a few traffic violations. Due to the fact that every auto insurer has a unique formula to establish rates, getting updated rate quotes could result in a significantly different list of affordable companies as shown below.
GEICO now has the best car insurance rate in Scottsdale, AZ with Ameriprise Group, CSAA, Allied, and Safeco also being competitive. This demonstrates why Scottsdale drivers need to perform an extensive rate comparison to find the cheapest car insurance quotes for police officers.
Insurance prices consist of many different factors and can decrease or increase without notice, so the cheapest option two years ago may now be quite expensive.