Wouldn’t it be great if you could just know the one perfect company that has the cheapest rate quotes for police officers? Unfortunately, it’s not that simple as there are a whole slew of unknown factors such as tickets or driving violations, the safety features built into your vehicle, if you just need liability coverage, and how well you maintain your credit, that help determine the price you have to pay. In this article, we will cover the best ways to avoid high prices and will give you a good beginning to your quest for cheaper car insurance.
The car, truck, or SUV requiring insurance is one of the biggest factors when comparing quotes for affordable car insurance for police officers. Vehicles with economical engines, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models.
The data below features insurance costs for a number of the most affordable vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $2,778 |
| Ford F-150 STX Super Cab 2WD | $2,991 |
| Ford Focus S 4-Dr Sedan | $3,160 |
| Ford Edge SE AWD | $3,169 |
| Ford Escape XLT 4WD | $3,182 |
| Chevrolet Impala LT | $3,220 |
| Toyota RAV4 Sport 2WD | $3,230 |
| Chevrolet Malibu LS | $3,220 |
| Honda Accord EX-L 4-Dr Sedan | $3,377 |
| Toyota Camry SE | $3,388 |
| Toyota Prius | $3,448 |
| Hyundai Sonata GLS 4-Dr Sedan | $3,452 |
| Toyota Tacoma 2WD | $3,624 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $3,684 |
| Volkswagen Jetta LE 4-Dr Sedan | $3,692 |
| Jeep Grand Cherokee Laredo 4WD | $3,698 |
| Chevrolet Silverado LT Extended Cab 4WD | $3,692 |
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in zip code location which can raise or lower coverage prices considerably.
Based upon these rates, we can infer that cars like the Honda CR-V, Ford F-150, Ford Focus, and Ford Edge are likely to be some of the cheaper vehicles to insure for law enforcement personnel.
Figuring out which companies offer the cheapest auto insurance rates for police officers requires a tad more effort in order to find the best price. Each insurance company has a unique approach to establish rates, so we’ll take a look at the overall cheapest auto insurance companies in Miami.
It’s important to know that Miami, FL auto insurance rates are calculated based on many things that may substantially change the price you have to pay. Simply getting older, buying a different vehicle, or getting a reckless driving citation may cause policy rate changes that can now make some companies affordable when they were higher priced.
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USAA has some of the best car insurance rates in Miami at around $957 each year. Amica, Electric, Progressive, and Travelers also are some of the more affordable Miami, FL auto insurance companies.
In this example, if you are a customer of Progressive and switched to Amica, you may see an annual premium reduction of around $99. Insureds with Travelers might save as much as $232 a year, and Mercury customers might cut rates by $298 a year.
Bear in mind that those estimates are averaged across all insureds and vehicles and do not factor in an exact zip code location for police officers. So the auto insurance company that has the cheapest price for you may not even be in the top 21 companies shown above. That points out the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.
For law enforcement personnel, one of the largest considerations that aid in calculating auto insurance rates is your zip code in Miami. More densely populated places tend to pay more, whereas areas with less congestion benefit from lower prices.
The next table rates the highest-priced areas in Florida for police officers in which to buy car insurance. Miami comes in at #2 with the annual price of $3,273 for the average policy, which is about $273 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Hialeah | $3,595 |
| 2 | Miami | $3,273 |
| 3 | Miami Gardens | $3,181 |
| 4 | Miami Beach | $3,043 |
| 5 | Miramar | $2,629 |
| 6 | West Palm Beach | $2,599 |
| 7 | Tampa | $2,558 |
| 8 | Hollywood | $2,552 |
| 9 | Coral Springs | $2,549 |
| 10 | Davie | $2,548 |
| 11 | Pompano Beach | $2,518 |
| 12 | Fort Lauderdale | $2,475 |
| 13 | Pembroke Pines | $2,431 |
| 14 | Brandon | $2,322 |
| 15 | St. Petersburg | $2,196 |
| 16 | Clearwater | $2,194 |
| 17 | Spring Hill | $2,102 |
| 18 | Orlando | $2,090 |
| 19 | Jacksonville | $1,980 |
| 20 | Port St. Lucie | $1,975 |
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Rates are estimated as the garaging address in Miami can alter auto insurance rates greatly.
Bad driving habits will cost you more
The best way to find the cheapest auto insurance prices in Florida for law enforcement personnel is to be a careful driver and avoid tickets and accidents. The chart below highlights how speeding tickets and at-fault claims increase premium costs for different age categories. The premiums assume a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of an auto insurance policy in Miami per year with a clean driving record and no accidents is $1,841. Add in one speeding ticket and the average cost swells to $2,140, an increase of $299 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for police officers goes up to an average of $4,671. That’s an increase of $2,830, or $236 per month, just for not maintaining a clean driving record!
The illustration below illustrates how choosing a deductible can change insurance premiums when researching cheap insurance for police officers. The information is based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could lower their policy premium by $340 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $514 by selecting a $1,000 deductible. Younger drivers, like the age 20 example, could save up to $848 or even more just by choosing higher deductibles when buying full coverage. If you make the decision to raise deductibles, it’s a good idea to have enough spare savings to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Does full coverage make sense?
Saving money when shopping for auto insurance is the goal of most people, and a great way to find cheaper insurance for police officers is to buy liability only. The chart below visualizes the comparison of auto insurance rates when comparing full coverage to liability only. The costs are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no other discounts are factored in.
As an overall average, physical damage coverage costs an additional $2,922 per year more than just buying liability insurance. That is a big expense that brings up the question if buying full coverage is worth the expense. There is no specific rule to stop paying for comp and collision coverage, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s claim settlement value is $5,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $4,500 after paying your policy deductible. If you are paying more than $450 annually for comprehensive and collision coverage, then you may need to consider dropping full coverage.
Ideas for finding cheaper car insurance for police officers
It is possible to find better rates, and here are some of the better money-saving ideas that can help Miami drivers get lower-cost coverage.
- Bundle home or renters insurance to earn a discount on car insurance
- Avoid at-fault accidents and claims
- Increase the comprehensive and collision deductibles on your policy
- Save money by obeying traffic laws and keeping a clean driving record
- Claim-free policyholders usually earn a discount
- Improve your credit score
- Compare rates regularly and switch companies to save money
That last piece of advice is particularly valuable, as we hit on in this write-up. Prices charged by car insurance companies go up and down frequently, so drivers shouldn’t be resistant to buy a policy from a new company if you find a better deal.
We understand brand loyalty, but is isn’t recommended if that faithfulness ends up costing you a small fortune. It only take a few minutes to compare prices and find cheaper auto insurance for police officers in Miami.
The professional agents shown below can provide answers to your questions and help you determine which coverages are best, since some people prefer to get help from a professional when comparing insurance rates for law enforcement personnel. It can be time-consuming to find the cheapest auto insurance company, so insurance agents can add comfort knowing you have enough protection.
To find an agent using an interactive map, click the button after the list or click here to compare prices now.
- Insurecentro (Insurance Agency)
1701 W Flagler St #220 – Miami, FL 33135 – (305) 302-2236 - Univista Insurance
5811 W Flagler St – Miami, FL 33144 – (305) 267-7138 - Mario Obregon – State Farm Insurance Agent
6701 Sunset Dr #115 – South Miami, FL 33143 – (305) 661-7667 - Allstate Insurance: Ramon Balladares
2455 SW 27th Ave #210 – Miami, FL 33145 – (305) 859-8556 - All Security Insurance Agency, Inc.
373 N Royal Poinciana Blvd – Miami Springs, FL 33166 – (305) 887-9544