Can Police Officers Get Auto Insurance Discounts?

Last Updated on September 15, 2021

When signing up for car insurance, it’s important to ask your agent about potential discounts. Car insurance companies offer a wide range of discount options, many of which are very easy to get. In some cases, you can get discounts based purely on the profession you are in. Doctors, teachers, and military personnel are some of the professions that frequently get discounted auto insurance rates.

If you are a police officer, you may be wondering if you can get a discount on your car insurance. While it’s not offered by every company, there are many companies that do provide discounts for police officers. Here’s what you should know about car insurance discounts for police officers.

Why Do Insurers Offer Discounts for Police Officers?

Insurance companies offer discounts for police officers for a few reasons. First and foremost, they want to respect their service to their community. Insurers also know that the police community is a tight-knit one and that developing a good reputation among police officers is a great way to draw in new business. Police officers are also statistically less likely to file claims or get into car accidents, which makes them very reliable customers for car insurance companies.

How Much Can I Save?

The amount you can save as a police officer is going to vary significantly depending on what company you go to for car insurance. Some companies offer large discounts as much as 10 percent, while others only offer two or three percent off. However, you can combine this discount with other discounts to save even more money. For example, many police officers have very safe driving habits, which makes them eligible for a safe driver discount. If you have a clean driving record, you can save a very significant percentage of money on your insurance. You can also use telematics tracking programs to save even more money. These new programs use an app on your smartphone or a separate tracking device to monitor your driving habits. The safer a driver you are, the better a discount you can earn. For police officers that already drive safely, this is a very easy way to lower your premiums even further.

What Are the Best Insurers for Police Officers in New York?

There are many car insurance companies in New York that offer discounts for police officers. Some of these include GEICO, USAA, Liberty Mutual, Farmers, Nationwide, New York Central Mutual, and Allstate, just to name a few. Keep in mind that discounts can vary depending on your specific location. GEICO is always a good bet for police officers because they were initially founded to provide car insurance to government employees. USAA caters specifically to members of the military and their family members and is known for their low car insurance rates. Depending on what type of police work you do, you may qualify for USAA’s coverage and discounts for military members. Liberty Mutual has significant discounts for police officers as well, with many members getting up to 10 percent off.

How Can I Find the Best Insurance Policy?

As a police officer, you have so many great options available to you when shopping for an insurance policy. It can be difficult to determine which one is going to be the most practical for your needs. Here are some tricks to help you find a great insurance policy that’s affordable but also provides the coverage you need.

• Get quotes from many different companies. It can be tempting to choose an insurance company purely because your friends or family members have used it in the past. However, searching around is likely to get you much better rates for your policy. Make it clear that you are shopping, as insurance companies will want to win your business and may go out of their way to offer you better rates.
• Don’t be afraid to look at local or regional companies based in New York. There are many national car insurance companies that are well-known for their cheap prices. However, car insurance costs are different for everyone, and depending on your customer profile, a smaller company may actually be cheaper for you. Weigh all of your options, not just the ones that seem the most obvious.
• Consider whether a company has mobile payment and claim options. While local agents provide wonderful customer service, it can be inconvenient to have to go into an office when you’re dealing with a car issue. Mobile transactions add convenience for customers and can be a good factor when choosing a car insurance company. However, that doesn’t mean you should skimp on customer service either! Make sure the company has a number that you can call anytime to file a claim or get more information.
• Never lie about your driving history when applying for car insurance. It can be tempting to change things around to see if you can get a better rate, but don’t do it. If you get caught, your premiums could go up even more, or worse, it could be difficult to get coverage at all. When you’re honest about your policy, you can get better discounts on your insurance.

As a police officer, you can get discounts on your car insurance, as well as many other types of insurance. You can even bundle your policies together to get a lower rate. Always ask about discounts when signing up for any new car insurance plan.