The words “economical” and “auto insurance” probably shouldn’t be used together, in particular when searching for the lowest insurance prices for police officers. Because it’s not cheap, let’s introduce you to some of the factors that have an impact on insurance rates, and see if we can help you reduce the cost of the next policy you buy.
One of the more important things that are looked at to determine the amount you pay for auto insurance is where your residence is. Cities with larger populations or higher claim trends will most likely pay more, whereas areas that tend to be more rural benefit from lower prices.
The illustration below rates the most expensive areas in California for police officers to purchase auto insurance in. Long Beach comes in at #6 having an annual price of $1,626 for the average policy, which is around $136 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,595 |
| 9 | Fontana | $1,566 |
| 10 | Stockton | $1,556 |
| 11 | Modesto | $1,532 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,524 |
| 14 | Santa Ana | $1,497 |
| 15 | Moreno Valley | $1,491 |
| 16 | Fresno | $1,472 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,389 |
| 20 | Irvine | $1,384 |
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Rate quotes are estimated as the specific zip code location can decrease or increase coverage prices noticeably.
The vehicle model needing coverage is probably the most important factor when shopping for the cheapest car insurance for police officers. Vehicles with higher performance, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The table below illustrates car insurance prices for the most cost-effective automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,167 |
| Ford Escape XLS 4WD | $1,176 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,365 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,377 |
| GMC Sierra SLE Crew Cab 2WD | $1,387 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,424 |
| Honda Odyssey EX-L | $1,451 |
| Kia Optima LX | $1,475 |
| Nissan Rogue S AWD | $1,484 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,478 |
| Jeep Grand Cherokee SRT-8 4WD | $1,483 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,532 |
| Toyota Camry Hybrid | $1,576 |
| Toyota RAV4 2WD | $1,583 |
| Chevrolet Malibu Hybrid | $1,590 |
| Toyota Prius | $1,586 |
| Dodge Grand Caravan SXT | $1,613 |
| Ford Explorer Limited 2WD | $1,621 |
| Ford F-150 XLT Super Cab 4WD | $1,635 |
| Ford Focus SE 4-Dr Sedan | $1,657 |
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in vehicle garaging location which can increase or decrease premiums substantially.
Looking at the rates, we can infer that vehicles like the Honda CR-V, Ford Escape, and Volkswagen Jetta are going to be the less-costly vehicles to insure for law enforcement personnel.
Comparison of full coverage and liability-only policies
Saving money when shopping for insurance is the goal of the majority of people, and one of the fastest ways to reduce the cost of insurance for police officers is to only pay for liability coverage. The example below shows the comparison of yearly insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no accidents or driving violations, $500 deductibles, single status, and no discounts are taken into consideration.
If we average the cost for all age groups, full coverage costs an additional $2,075 per year over having just liability coverage. A very common question is when is the right time to remove full coverage. There is no definitive rule to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
There are some conditions where only buying liability is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
How accidents and violations affect rates in Long Beach
In a perfect world, the ideal way to obtain the most affordable insurance rates in Long Beach for law enforcement personnel is to drive safely and avoid at-fault accidents and violations. The example below illustrates how traffic citations and at-fault claims can increase insurance costs for different age groups. The information is based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of car insurance in Long Beach per year with no accidents and a clean driving record is $1,418. Get one speeding ticket and the average cost hikes up to $1,657, an increase of $239 each year. Then throw in one accident along with the one speeding ticket and the annual cost of insurance for police officers goes up to an average of $2,313. That’s an increase of $895, or $75 per month, just for not being a responsible driver!
The agents listed below are a good start to help you determine which coverages and limits you need, as some people have coverage questions and would like to have some professional guidance when trying to find lower insurance rates for police officers. It’s not always easy to find the cheapest car insurance policy, and getting advice from a licensed California insurance agent can bring satisfaction knowing your coverage gives you adequate coverage if you have an accident or claim. To find a Long Beach insurance agent near you, click the button following the list.
- Fox Benefits Insurance Agency
5175 E Pacific Coast Hwy #304 – Long Beach, CA 90804 – (562) 735-3125 - State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494 - Sonny Anderson – State Farm Insurance Agent
4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809
View more Long Beach, CA insurance agents
How to find the cheapest insurance for police officers
Here are many thrifty solutions that can help California drivers quote lower-cost coverage.
- Buy vehicles with five-star safety ratings
- Having at-fault accidents will increase rates
- Save money by insuring older vehicles for liability only
- Buying car and homeowners insurance together can save money
- Frequent claims may make car insurance unaffordable
- Drive safely
- Keep rates low by comparing prices once a year
The last tip is remarkably valuable, as we discussed in this write-up. Coverage prices can change significantly in a year, so drivers shouldn’t be reluctant to buy from a different company if a cheaper price is available.
Having a favorite company is fine, but it’s not a good idea if that dedication is costing money that could be used for better things. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for police officers in Long Beach.