You have most likely seen the captivating ads from insurers like Allstate, The General, and Farmers that claim enormous savings. So you should just pick one at random, right?
That is not the case, however, as there are many unknown factors like the annual mileage you drive, citations or tickets, whether you are a man or a woman, and if you have a spouse. In this article, we will cover the best ways to compare rates and also should give you a good start in finding the cheapest car insurance in Riverside.
For law enforcement personnel, one of the largest components that are used to help calculate the cost of insurance is where you normally keep your vehicle in Riverside. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.
The information below ranks the most expensive areas in California for police officers to buy an auto insurance policy in. Riverside shows up at #12 with a yearly premium of $1,527 for the average policyholder, which is about $127 per month.
|Rank||City||Premium Per Year|
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Rates are comparative as the specific area where the vehicle is garaged can affect prices considerably.
Finding affordable insurance is tough enough, and finding out which company quotes the cheapest car insurance rates for police officers requires even more shopping around. Every insurance provider has their own guidelines to determine premium rates, so first let’s look at the rankings for the car insurance companies with the overall best prices in Riverside.
It’s important to know that California car insurance rates are based on many factors which can substantially decrease or increase the price you pay for coverage. Simply improving your credit, buying a home, or getting a couple of tickets may prompt premium changes that can cause some rates to be more affordable than competitors.
Lowest Insurance Price Quotes for Law Enforcement
USAA has some of the best car insurance rates in Riverside at around $1,155 per year. This is $496 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA also rank well as some of the best Riverside, CA insurance companies.
As shown in the table above, if you are currently insured with Century National and switched to USAA, you might see a yearly savings of in the vicinity of $35. Customers with Nationwide may save as much as $58 a year, and CSAA customers might lower prices by up to $79 a year.
To get a fast rate comparison, click here to start your custom quote or quote prices from the following companies.
Be aware that those estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in a vehicle location for police officers. So the company that is most affordable for your situation may not even be in the list above. That points out the importance of why you need to get quotes using your own personalized driver profile and vehicle information.
The type of vehicle requiring insurance is probably the biggest factor when shopping for cheaper auto insurance for police officers. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of liability claims will cost less to insure than higher performance models.
The data below ranks insurance premiums for a handful of the most affordable automobiles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,086|
|Ford F-150 XL Crew Cab 2WD||$1,216|
|Dodge Grand Caravan Hero||$1,284|
|Ford Escape XLS 2WD||$1,332|
|Toyota Camry XLE||$1,350|
|Kia Optima LX||$1,379|
|Chevrolet Silverado LT Extended Cab 2WD||$1,388|
|Nissan Rogue S 2WD||$1,379|
|Ford Explorer XLT 4WD||$1,395|
|Honda Accord LX-S 2-Dr Coupe||$1,445|
|Honda Odyssey LX||$1,462|
|GMC Sierra SLT Crew Cab 4WD||$1,466|
|Nissan Altima 2.5 4-Dr Sedan||$1,473|
|Chevrolet Equinox LT AWD||$1,478|
|Toyota RAV4 Limited 4WD||$1,473|
|Toyota Corolla LE||$1,551|
|Volkswagen Jetta 2.0T Station Wagon||$1,563|
|Jeep Grand Cherokee Limited 2WD||$1,577|
|Chevrolet Impala LT||$1,587|
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in zip code location which can alter coverage prices substantially.
Based upon the rates shown, you can presume that models like the Honda CR-V, Ford F-150, Dodge Grand Caravan, and Ford Escape are most likely to be the less-costly vehicles to insure for law enforcement personnel.
The chart below highlights how deductible choice can change premium costs when getting quotes for cheap insurance for police officers. The premiums are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
As shown above, a 30-year-old driver could lower rates by $408 a year by increasing from a $100 deductible up to a $500 deductible, or save $618 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could lower their rates as much as $1,230 or even more just by choosing higher deductibles.
When increasing deductibles, it’s a good idea to have enough savings to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.
Full coverage versus liability-only
Paying a lower price for car insurance should be important to most vehicle owners, and one of the best ways to buy cheaper insurance for police officers is to not pay for full coverage. The diagram below illustrates the comparison of insurance costs with and without physical damage coverage. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are applied.
If all age groups are averaged, physical damage insurance costs $2,273 per year more than just buying liability insurance. That brings up the question if paying for full coverage is worth it. There is no exact formula for phasing out full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% 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 pretend your vehicle’s replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after you pay the deductible. If it’s costing in excess of $300 a year for your policy with full coverage, then it could be time to drop full coverage.
Get discounts on Riverside car insurance rates
Insurance providers that sell policies for police officers may also provide premium discounts that may potentially lower prices by as much as 25% or more if you qualify. A few popular companies and a selection of discounts are detailed below.
- Esurance offers premium reductions for DriveSense, online shopper, good student, multi-car, and emergency road assistance.
- The Hartford may offer discounts for defensive driver, anti-theft, vehicle fuel type, driver training, good student, and air bag.
- AAA offers discounts including multi-car, good driver, anti-theft, multi-policy, good student, education and occupation, and AAA membership discount.
- GEICO may have discounts that include daytime running lights, emergency military deployment, membership and employees, anti-theft, and federal employee.
- State Farm offers discounts for good student, passive restraint, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, driver’s education, and safe vehicle.
The diagram below illustrates the comparison of premium costs with and without discounts applied to the policy rates. The rates are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, vehicle safety, safe-driver, multiple vehicle, marriage, and accident-free discounts applied. When discounts are factored in, the average savings per year on car insurance for police officers is 28% or $516.
How to find budget-friendly insurance for police officers
The list below details many penny-pinching ideas that can help you find more affordable coverage.
- If possible, pay for small claims out-of-pocket
- Save money by obeying traffic laws and keeping a clean driving record
- Avoid accidents and claims
- Buy a car with high safety ratings
- Bundle home or renters insurance to earn a discount on car insurance
- Compare rates often to find the best deal
That final tip is extraordinarily necessary, as was pointed out in the prior information. Prices change frequently, so don’t be afraid to buy a policy from a new company if a more affordable price is available.
Brand loyalty is great, but it’s not a good idea if that devotion results in you overpaying a small fortune year after year. In just a couple of minutes you could compare rates and find cheaper auto insurance for police officers in Riverside.
The professional agents shown below are willing to answer your questions and help you decide which policy is best, since many people would rather get help from a professional when shopping for cheaper insurance for law enforcement personnel. It can be time-consuming to find the best rates on your own, so getting professional guidance from a licensed agent can provide comfort knowing your policy gives you sufficient coverage for your assets.
To locate a Riverside insurance agent in your neighborhood, click the button at the bottom of the list or click here to compare prices now.
Allstate Insurance: Rose Smith
4270 Riverwalk Pkwy #110 – Riverside, CA 92505 – (951) 549-3900
Allstate Insurance: Cynthia MC Ghee
6710 Magnolia Ave – Riverside, CA 92506 – (951) 369-8850
State Farm: Ollie Hatch Jr
6748 Brockton Ave – Riverside, CA 92506 – (888) 231-8822