One of the many factors that are used to help calculate car insurance rates is where you normally keep your vehicle. Larger areas tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The information below ranks the most expensive areas in California for police officers to buy auto insurance in. Sacramento is listed at #5 with an annual premium of $1,669 on average, which is approximately $139 per month.
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Annual rates are estimated as zip code location can alter premium rates greatly.
The car, truck, or SUV requiring coverage is probably the biggest factor that determines whether or not you find cheaper auto insurance for police officers. Vehicles with more horsepower, poor safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models. The data below ranks coverage costs for the more affordable vehicles to insure in California.
|Make and Model||Estimated Cost for Full Coverage|
|Toyota Tacoma 4WD||$1,529|
|Honda CR-V LX 4WD||$1,558|
|Chevrolet Impala LT||$1,614|
|Chevrolet Silverado LS Extended Cab 4WD||$1,622|
|Toyota RAV4 Sport 4WD||$1,614|
|Ford Escape XLS 2WD||$1,670|
|Hyundai Elantra GLS Touring Station Wagon||$1,678|
|Chevrolet Equinox LTZ AWD||$1,728|
|Jeep Grand Cherokee SRT-8 4WD||$1,737|
|GMC Sierra SLE Crew Cab 4WD||$1,728|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,749|
|Ford Edge SE AWD||$1,813|
|Nissan Altima 2.5 4-Dr Sedan||$1,847|
|Kia Optima EX||$1,853|
|Dodge Grand Caravan Hero||$1,847|
|Ford F-150 XLT Crew Cab 4WD||$1,884|
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Prices do not factor in your specific Sacramento, CA location which can change coverage prices noticeably.
By looking at the data, we can infer that vehicles like the Toyota Tacoma, Honda CR-V, and Chevrolet Impala will be the less-costly vehicles to insure for law enforcement personnel.
The example below shows how choosing a deductible can increase or decrease insurance rates when getting quotes for cheap insurance for police officers. The rates are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could lower rates by $308 a year by increasing from a $100 deductible up to a $500 deductible, or save $466 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old category, could lower their rates as much as $1,026 or even more just by choosing larger deductibles.
When increasing deductibles, it’s a good idea to have spare funds to be able to cover the extra out-of-pocket expense that comes with higher deductibles.
Tickets and at-fault accidents raise rates
The ideal way to score cheap auto insurance rates for law enforcement personnel is to drive cautiously and avoid accidents and keep your driving record clean. The chart below highlights how speeding tickets and at-fault collisions drive up car insurance costs for different age groups. Data assumes a married female driver, comp and collision included, $250 deductibles, and no discounts are applied.
In the example above, the average cost of car insurance in California per year with a clean driving record and no accidents is $1,785. Get one speeding ticket and the average cost swells to $2,078, an increase of $293 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for police officers increases to an average of $2,897. That’s an increase of $1,113, or $93 per month, just for being a less-than-perfect driver!
How to find budget-friendly car insurance for police officers
The list below shows many penny-pinching suggestions that can help you quote cheaper auto insurance.
- Higher credit scores can equal lower rates
- If your vehicles are older, consider dropping full coverage
- Do not get tickets
- Raise deductibles
- Maintain a safe distance and avoid accidents
- Safe vehicles generally have lower rates
- Compare prices as often as possible
The last tip in the list is extraordinarily important, as was discussed in the prior article. Insurance rates fluctuate constantly, so don’t be hesitant to change to a new company if a cheaper rate is available. Staying with the same car insurance company is fine, but it’s not a good idea if that loyalty results in overpaying a lot of money every month. It takes less than five minutes to shop around and find cheaper auto insurance for police officers in Sacramento.
The Sacramento, CA, insurance agents below can help you make a decision which car insurance policy is best, since many consumers aren’t sure which coverage to buy and prefer to have professional advice when comparing insurance rates for police officers. It can be complicated to find coverage yourself, and a professional agent can give you peace of mind knowing your policy gives you adequate asset protection.
To locate a Sacramento insurance agent by location nearest to you, click the button link following the list.
Nationwide Insurance: Greg Comia Insurance Agency Inc
7500 Elsie Ave Ste 106 – Sacramento, CA 95828 – (916) 682-6053
Farmers Insurance: Brewer Insurance Agency
6700 Freeport Blvd #101 – Sacramento, CA 95822 – (916) 424-4357
Brian Clark – State Farm Insurance Agent
2331 El Camino Ave – Sacramento, CA 95821 – (916) 488-2212
Sig Lindley – State Farm Insurance Agent
8110 Pocket Rd #201 – Sacramento, CA 95831 – (916) 428-7370
Melissa Saites Nelson Insurance Agency, Inc.
4749 J St – Sacramento, CA 95819 – (916) 531-6061