The type of vehicle you are trying to insure is probably the most important factor that determines whether or not you find the most affordable insurance for police officers. Vehicles with limited top-end speed, a great safety record, or a positive history of liability claims will cost quite a bit less to insure than higher performance models. The next list outlines insurance prices for some of the cheapest automobiles to insure in Texas.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XL Crew Cab 2WD | $1,346 |
| Chevrolet Equinox LS AWD | $1,421 |
| Honda CR-V LX 4WD | $1,473 |
| Ford Edge Sport AWD | $1,496 |
| Toyota Corolla LE | $1,506 |
| Toyota Tacoma X-Runner 2WD | $1,496 |
| Ford Escape Limited 2WD | $1,508 |
| Jeep Grand Cherokee SRT-8 4WD | $1,523 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,531 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,526 |
| Toyota Prius | $1,531 |
| Kia Optima LX | $1,526 |
| Dodge Grand Caravan CV | $1,543 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,573 |
| Honda Odyssey EX W/Rear Entertainment | $1,598 |
| Honda Civic DX 4-Dr Sedan | $1,605 |
| Ford Focus S 4-Dr Sedan | $1,598 |
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific Laredo, TX garaging location which can lower or raise premium rates considerably.
By looking at the data, we can assume that models like the Ford F-150, Chevrolet Equinox, and Honda CR-V will definitely be the most economical vehicles to insure for law enforcement personnel.
Trying to buy affordable auto insurance is not always easy, and finding out which company offers the cheapest car insurance rates for police officers will involve even more diligence. Every auto insurer has a different formula for establishing rates, so let’s begin by examining the car insurance companies that tend to be cheaper in Laredo.
It’s a good idea to know that Laredo car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Improving your credit score, moving to a new city, or getting caught speeding may prompt premium changes resulting in some rates now being more expensive than competitors.
Best Cheap Insurance Rates for Law Enforcement
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,600 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,227 |
| 17 | Unitrin | $2,241 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,646 |
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Travelers may have some of the lowest car insurance rates in Laredo at around $1,010 annually. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the best Laredo, TX insurance companies.
In the above rates, if you are currently insured with Germania Mutual and switched to USAA, you may see a yearly savings of approximately $116. Policyholders with Esurance may save as much as $251 a year, and California Casualty customers might see rate reductions of $268 a year.
Be aware that those premium estimates are averaged for all insureds and vehicles and and are not figured with a specific location for police officers. So the car insurance company that fits your age and vehicle best may not even be in the top 23 companies in the list above. That helps illustrate why you need to compare rates from multiple companies using your own driver and vehicle profiles.
For law enforcement personnel, one of the big criteria that aid in calculating car insurance rates is your address in Laredo. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The information below lists the priciest cities in Texas for police officers to buy auto insurance in. Laredo ranks #2 with the annual price of $1,889 for the average policy, which is approximately $157 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Laredo | $1,889 |
| 3 | Brownsville | $1,870 |
| 4 | Amarillo | $1,840 |
| 5 | Dallas | $1,837 |
| 6 | Houston | $1,835 |
| 7 | Garland | $1,796 |
| 8 | Grand Prairie | $1,793 |
| 9 | Irving | $1,772 |
| 10 | Beaumont | $1,772 |
| 11 | Pasadena | $1,758 |
| 12 | Mesquite | $1,753 |
| 13 | Lubbock | $1,733 |
| 14 | Arlington | $1,709 |
| 15 | Austin | $1,676 |
| 16 | San Antonio | $1,671 |
| 17 | Carrollton | $1,664 |
| 18 | Fort Worth | $1,653 |
| 19 | El Paso | $1,632 |
| 20 | Plano | $1,624 |
| 21 | McKinney | $1,609 |
| 22 | Waco | $1,584 |
| 23 | Corpus Christi | $1,572 |
| 24 | Abilene | $1,561 |
| 25 | Killeen | $1,488 |
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Rates are approximated as the specific area where the vehicle is garaged can change insurance rates considerably.
Price comparison of only insuring for liability
Paying less for car insurance is the goal of the majority of vehicle owners, and an easy way to pay less for insurance for police officers is to not buy comprehensive and collision coverage. The example below shows the comparison of car insurance rates with and without full coverage. The prices are based on no violations or accidents, $250 deductibles, single status, and no discounts are applied.
As an overall average, full coverage costs an extra $2,000 per year over liability only. At some point, about every driver wonders if paying for full coverage is worth it. There is no definitive formula that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s say your vehicle’s claim settlement value is $5,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,500 after the deductible is paid. If premium cost is more than $450 a year for full coverage, the it may be a good time to stop paying for full coverage.
Get discount Laredo insurance
Insurers that sell policies for police officers may also provide special discounts that could lower prices by 35% or more if you qualify for them. Larger car insurance companies and a partial list of their discounts are shown below.
- Progressive may offer discounts for homeowner, online signing, continuous coverage, good student, and multi-vehicle.
- Farmers Insurance offers discounts for bundle discounts, alternative fuel, youthful driver, distant student, and teen driver.
- Farm Bureau may have discounts that include 55 and retired, safe driver, renewal discount, youthful driver, and good student.
- State Farm policyholders can earn discounts including anti-theft, good student, passive restraint, accident-free, driver’s education, and Drive Safe & Save.
- GEICO has discounts for daytime running lights, five-year accident-free, driver training, membership and employees, and military active duty.
- SAFECO offers premium reductions for anti-theft, accident prevention training, teen safe driver, bundle discounts, safe driver, and drive less.
- Liberty Mutual discounts include multi-car, newly married, new move discount, hybrid vehicle, new vehicle discount, preferred payment discount, and newly retired.
The example below shows the difference between annual premium costs with and without discounts applied. The rate quotes are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, multiple vehicle, vehicle safety, marriage, anti-theft, and passive restraint discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on car insurance for police officers is 28% or $706.
Compare quotes and save
Laredo car insurance rates are calculated based on many things that will increase or decrease the price you pay for coverage. Simply turning a year older, moving across town, or getting a driving violation may prompt premium changes resulting in some companies being cheaper than competitors. Not only may your situation change, but insurance companies file new Texas car insurance rates multiple times each year to reflect underwriting profits or losses. An unexpected high level of claims can result in increased rates, while long-term profits may cause more affordable Laredo car insurance rates.
For instance, the bar chart below shows the cheapest car insurance in Laredo, TX for a 40-year-old male driver with no violations or accidents, and solid credit. If we estimate prices based on his personal risk profile, Travelers may have the most affordable car insurance rates in Laredo at $1,296 each year. This is $608 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the best Laredo, TX auto insurance companies.
Let’s now give the driver from the above example a couple of claims, a lower credit score, and a blemish on his driving record. Due to the fact that every insurance company uses their own calculation to set their prices, comparing quotes may now show a completely different list of affordable Laredo car insurance companies as shown below.
State Farm now has the cheapest price in Laredo with Mercury, Safe Auto, USAA, and Nationwide now rounding out the top five. This example illustrates why it is crucial to compare rates when trying to get the cheapest auto insurance rates for police officers. Rates can be determined by many things and can decrease or increase without notice, so the most economical company when you bought your policy may now be costing you a lot of money.
How to find the cheapest car insurance for police officers
The list below shows some of the better thrifty suggestions that can help Laredo drivers get low-cost coverage.
- Drivers with good credit often pay less
- Pay for small claims rather than turning them in to your insurance company
- Being accident-free can lower rates significantly
- Higher deductibles save money
- Be a safe driver
- Save money by insuring your home and auto with the same company
- Ensure you have the best deal by shopping around regularly
That last idea is extremely valuable, as was emphasized in the prior information. Prices in Laredo can change significantly in a year, so drivers shouldn’t be reluctant to buy from a new company if a better deal can be had.
We understand brand loyalty, but we do not recommend it if that loyalty results in overpaying a wad of cash every year. Now is a great time to compare prices and find cheaper insurance for police officers.