I’m sure you’ve seen the catchy advertisements from auto insurance companies like Progressive and Liberty Mutual that make claims of dirt cheap rates. So you just need to select the one with the best jingle, right?
Regrettably, it’s not quite that easy, as there are a whole slew of unknowns like if you have a tendency to get pulled over, the number of miles you drive in a year, what coverage limits you need, and if you are married, that all help calculate your car insurance rates. In this article, we will teach you about some of these factors and should give you a solid foundation to find cheaper car insurance.
Deciphering which companies quote the lowest-priced insurance rates for police officers requires a bit more effort than just picking a company at random.
Each auto insurer has a unique formula to determine rates, so let’s take a look at the insurance companies that tend to be cheaper in Detroit. We do need to point out that Detroit insurance rates are based on many factors which can substantially change the policy premium. Simply improving your credit, having a teen driver, or getting a few speeding tickets can trigger changes in premium that can make some companies affordable when they were higher priced.
Cheapest Insurance Rates for Law Enforcement
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $978 |
| 2 | GEICO | $993 |
| 3 | Safeco | $1,047 |
| 4 | MetLife | $1,350 |
| 5 | Chubb | $1,372 |
| 6 | MEEMIC | $1,436 |
| 7 | Pioneer State Mutual | $1,488 |
| 8 | Hastings Mutual | $1,595 |
| 9 | Auto-Owners | $1,636 |
| 10 | Frankenmuth | $1,662 |
| 11 | SECURA | $1,850 |
| 12 | Progressive | $1,923 |
| 13 | Wolverine Mutual | $2,126 |
| 14 | Allmerica | $2,292 |
| 15 | Hanover | $2,305 |
| 16 | Allied | $2,332 |
| 17 | Grange Mutual | $2,345 |
| 18 | Auto Club Group | $2,391 |
| 19 | Nationwide | $2,541 |
| 20 | Farm Bureau | $2,573 |
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USAA generally has some of the lowest car insurance rates in Detroit at around $978 a year. This is $1,415 less than the average rate paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb would also make the list of some of the most economical Detroit, MI auto insurance companies.
In the above example, if you are currently insured with GEICO and switched to USAA, you could see a yearly savings of in the neighborhood of $15. Drivers with Safeco may save as much as $69 a year, and MetLife insureds might reduce rates by $372 a year.
To see if your current coverage is too expensive, click here to start your custom quote or visit any of the companies below.
These premiums are averaged across all insureds and vehicles and do not take into consideration a specific zip code for police officers. So the company that fits your age and vehicle best may not even be in the top 30 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.
The vehicle on the policy is one of the biggest factors when comparing cheaper auto insurance for police officers. Vehicles with lots of horsepower, poor safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.
The next table ranks auto insurance rates for the most economical automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $4,224 |
| Ford Escape Limited 4WD | $4,482 |
| Ford F-150 XLT Super Cab 2WD | $4,635 |
| Ford Edge SEL 2WD | $4,801 |
| Volkswagen Jetta 2.0T Station Wagon | $4,833 |
| Toyota Camry LE | $4,893 |
| Chevrolet Malibu LS | $4,898 |
| Ford Explorer Limited 2WD | $4,990 |
| Toyota Corolla S | $5,147 |
| Nissan Rogue SL 2WD | $5,249 |
| Hyundai Sonata GLS 4-Dr Sedan | $5,255 |
| Dodge Grand Caravan SE | $5,313 |
| GMC Sierra 2500HD SLT Extended Cab 4WD | $5,498 |
| Ford Focus SE 2-Dr Coupe | $5,502 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $5,562 |
| Toyota RAV4 Sport 4WD | $5,609 |
| Toyota Prius | $5,636 |
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can change premiums greatly.
Looking at the rates, you can infer that vehicles like the Honda CR-V, Ford Escape, Ford F-150, and Ford Edge are the cheaper vehicles to insure for law enforcement personnel.
Accidents and violations increase rates
The recommended way to enjoy affordable insurance premiums in Detroit for law enforcement personnel is to drive safe and maintain a clean driving record. The information below highlights how traffic violations and at-fault claims can impact yearly insurance costs for different age groups. The rate quotes are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of car insurance in Michigan per year with a clean driving record and no accidents is $3,362. Add in one speeding ticket and the average cost jumps to $3,927, an increase of $565 each year. Now get two accidents along with the one speeding ticket and the annual cost of insurance for police officers jumps again to an average of $8,964. That’s an increase of $5,602, or $467 per month, just for not driving carefully!
The illustration below shows how choosing a deductible can affect insurance prices when searching for cheap insurance for police officers. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
The data above shows that a 50-year-old driver could reduce rates by $770 a year by switching from a $100 deductible up to a $500 deductible, or save $1,158 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, can cut $2,562 every year by selecting a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
The auto insurance agents in Detroit shown below can help you decide which insurance coverage will be best for you, as lots of drivers aren’t clear which coverage they need and would like to have some advice when shopping for the best coverage for law enforcement personnel. It can be complicated to find the best rates on your own, so a professional agent can give peace of mind knowing you have adequate asset protection.
To find an agent in your neighborhood, click the button below the list or click here to get price quotes now.
Look Insurance Detroit Southwest Agency
6724 Michigan Ave – Detroit, MI 48210 – (313) 899-3194
Clark Insurance Agency
2711 E Jefferson Ave #206 – Detroit, MI 48207 – (313) 259-6600
Soboh Insurance
16800 W Warren Ave – Detroit, MI 48228 – (313) 581-3400
Advasure Insurance
13600 W 8 Mile Rd C – Detroit, MI 48205 – (313) 521-0300
More insurance agents in Detroit, MI
How to find the cheapest car insurance for police officers
Here are a few thrifty solutions that can help you quote more affordable car insurance.
- Raise physical damage deductibles
- Good credit scores may lower your rates
- Do not get tickets or violations
- Accident-free drivers may qualify for discounts
- Buy a safer vehicle
- Comparison shop frequently
That last tip is very significant, as was noted in this piece. Auto insurance prices in Detroit fluctuate constantly, so don’t be tentative to buy a different policy if a more affordable price is available.
Staying with the same company for years is fine, but is isn’t recommended if that stubbornness costs you a fortune every year. In just a couple of minutes you could compare rates to find cheaper car insurance for police officers.