The words “bargain” and “insurance” really shouldn’t be used in the same sentence, especially when you are trying to find the cheapest car insurance for police officers. To help control this cost, let’s start off by going over some things that can significantly affect auto insurance premiums, and figure out some ideas to slash the price of the next policy you buy.
Finding low-cost auto insurance is confusing at best, and finding out which companies offer the lowest-priced insurance rates for police officers will take a little more work. Every insurance provider uses slightly different criteria for determining rates, so we need to take a look at the most budget-friendly insurance companies in Texas.
It’s important to understand that Corpus Christi, TX insurance rates are based on many factors that will increase or decrease the price of your policy. Price variation is why it is critical to compare lots of rates to get the best auto insurance rates for police officers. Insurance prices are impacted by many risk factors and can change without notice, so the cheapest rate when you bought your policy may now be quite expensive.
Find Cheaper Car Insurance for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,244 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,407 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,698 |
| 12 | Allstate | $1,701 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,241 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,646 |
| View More Rates Go | ||
Travelers normally has some of the cheapest car insurance rates in Corpus Christi at around $1,052 each year. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also make the list of some of the cheapest Corpus Christi, TX insurance companies.
As shown in the rates above, if you have coverage with Germania Mutual and switched to USAA, you could see yearly savings of upwards of $127. Insureds with California Casualty could save as much as $279 a year, and Esurance policyholders might reduce prices by as much as $290 a year.
Bear in mind that those rates are averages across all drivers and vehicles and do not factor in a specific zip code for police officers. So the insurer that fits you best may not even be in the top 23 companies shown above. That’s why you need to compare prices as often as possible using your own personal information and vehicle type.
For law enforcement personnel, one of the more important criteria that are looked at to determine the amount you pay each year for auto insurance is where you live in Corpus Christi. Regions with more people or even just more weather-related claims tend to pay slightly more, whereas areas with less people or fewer weather incidents benefit from lower rates.
The next table ranks the highest-priced places in Texas for police officers in which to purchase auto insurance. Corpus Christi is listed at #17 with an annual rate of $1,636 for the average insurance policy, which is about $136 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Laredo | $1,907 |
| 3 | Houston | $1,891 |
| 4 | Brownsville | $1,851 |
| 5 | Garland | $1,850 |
| 6 | Dallas | $1,837 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,812 |
| 9 | Amarillo | $1,804 |
| 10 | Irving | $1,772 |
| 11 | Beaumont | $1,772 |
| 12 | Grand Prairie | $1,757 |
| 13 | Arlington | $1,692 |
| 14 | Austin | $1,676 |
| 15 | San Antonio | $1,671 |
| 16 | Lubbock | $1,665 |
| 17 | Corpus Christi | $1,636 |
| 18 | McKinney | $1,625 |
| 19 | Plano | $1,624 |
| 20 | Carrollton | $1,615 |
| 21 | Fort Worth | $1,604 |
| 22 | El Paso | $1,584 |
| 23 | Waco | $1,569 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,533 |
| Compare Prices Now Go | ||
Rate information is approximated as the garaging address in Corpus Christi can change premium rates substantially.
The make and model of vehicle requiring insurance is one of the largest considerations when shopping for the most economical coverage for police officers. Vehicles with average performance, excellent safety ratings, or a track record of few liability claims will cost substantially less to insure than higher performance models.
The list below illustrates coverage premiums for some of the most economical automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $972 |
| Ford Escape XLS 2WD | $1,043 |
| Honda Accord LX 4-Dr Sedan | $1,049 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,065 |
| Dodge Grand Caravan CV | $1,071 |
| Toyota RAV4 2WD | $1,126 |
| Chevrolet Equinox LS 2WD | $1,136 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,126 |
| Ford Explorer Limited AWD | $1,148 |
| Chevrolet Malibu LT | $1,158 |
| Toyota Prius | $1,159 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,168 |
| Toyota Camry XLE | $1,188 |
| Toyota Corolla S | $1,197 |
| Nissan Rogue SL 2WD | $1,208 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,210 |
| Ford F-150 XLT Regular Cab 4WD | $1,212 |
| Compare Cheap Rates Go | |
Above prices assume single male 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. Table data does not factor in specific zip code location which can revise premiums significantly.
Looking at the data, models like the Honda CR-V, Ford Escape, Honda Accord, Jeep Wrangler, and Dodge Grand Caravan are some of the most budget-friendly vehicles to insure for law enforcement personnel.
Should you buy full coverage?
Finding the cheapest insurance should be important to the majority of drivers, and one good way to pay less for insurance for police officers is to only buy liability insurance. The illustration below compares insurance premiums with and without physical damage coverage. The price estimates are based on no claims or violations, $1,000 deductibles, single status, and no discounts are applied.
If averaged for all ages, physical damage insurance costs an additional $2,131 per year over and above liability coverage. That is a large expense which might make you wonder if paying for full coverage is worth it. There isn’t a steadfast formula of when to stop paying for full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
There are some cases where only buying liability is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage.
How accidents and tickets impact rates
The easiest method to maintain the most affordable insurance prices for law enforcement personnel is to drive attentively and have a clean driving record. The chart below demonstrates how citations and accidents can drive up car insurance rates for different insured age categories. The data assumes a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of an auto insurance policy in Texas per year with a clean driving record and no accidents is $2,817. Get written up for two speeding tickets and the average cost increases to $3,796, an increase of $979 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for police officers increases to an average of $7,246. That’s an increase of $4,429, or $369 per month, just for not driving carefully!
The information below highlights how deductible choice can change premium costs when quoting cheap insurance for police officers. The data assumes a married male driver, full coverage, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could pocket $264 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $402 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could drop their prices as much as $884 or more by selecting a higher deductible.
If you do raise deductibles, it will be important to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How to find more affordable insurance for police officers
The list below shows some of the better thrifty ideas that can help Texas drivers find more affordable car insurance.
- Bundle home or renters insurance to earn a discount on car insurance
- Increase your comprehensive and collision deductibles
- Increase your credit score
- Avoid price increases by not filing claims
- Buy safe vehicles
- If your vehicles are older, consider dropping full coverage
- Keep rates low by shopping around frequently
That last tip is particularly important, as was pointed out in the article above. Insurance prices in Corpus Christi can change considerably based on profitability, so don’t be unwilling to buy a different policy if a better rate can be found. Being loyal to a particular company is commendable, but it’s not a good idea if that stubbornness costs you lots of money. Take a few minutes and compare rates to find cheaper auto insurance for police officers.