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Car Insurance for Firefighters

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Key takeaways...
  • Firefighters need to review their personal insurance portfolio to build custom and reliable insurance policies
  • You must comply with the auto insurance laws in the state where your vehicle is registered or you’ll be fined
  • Make sure that you have insurance to pay for damage to your car while it’s parked at home or at the fire station
  • You may be able to find occupation discounts and favorable ratings because you’re a firefighter
  • If you only commute to and from the station a few days a week, you may pay less because you’ll get a low-risk usage rating

Firefighters risk their lives to save people who are in danger. As soon as there’s a call, a fireman will gear up and put their focus entirely on preserving property and saving the lives of anyone or any pet that is trapped in a car or building.

It’s extremely difficult to become a firefighter and that’s why nearly 70 percent give up their pursuit at some point of the recruiting process.

The 30 percent who stick around and succeed in the fire and rescue industry deserve respect and praise. Several auto insurance carriers offer firefighters and other professionals who work in fire and rescue special discounts off of their premiums.

Compare car insurance options today to find the policy that’s right for you.

If you’re shopping for car insurance on your personal vehicle, here’s a guide to help you customize your policy:

How do car insurance premiums for firefighters stack up?

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If you were to compare the insurance rates that firefighters pay to the rates of other blue collar and white collar professionals, you’d discover that firemen pay less for coverage than most drivers if they were the same in every way other than occupation.

Your occupation will have an impact on your risk class and firemen are believed to be low-risk drivers along with EMT’s and police officers.

A lot goes into calculating a driver’s car insurance rates. One driver could pay a lot more to insure their fixer-upper car than another driver who has a luxury model with full coverage. It all depends on the driver’s risk classification and their personal factors.

One risk factor that impacts your rate is your occupation.

Occupation is used as a personal rating factor because what you do for a living can affect your driving behaviors. Unfortunately, some professionals pay high-risk rates just because of what they do.

Others are fortunate to pay low-risk rates because of how their fellow professionals in the field drive.

Why do firefighters pay a lower average premium?

There are a lot of reasons why firefighters are classified as low-risk drivers.

First off, they are professional drivers and must keep a clean driving record to be able to drive firetrucks and other vehicles in the station’s fleet.

All firemen must complete several hours of driver apparatus training to operate a firetruck, which makes them highly trained drivers on and off the job.

Since fire and rescue professionals hold a specialized commercial driver’s license through the state, they are more experienced drivers than others.

Firemen see a lot of tragedy and destruction so they are more likely to obey traffic laws and drive responsibly. All of these factors contribute to the low-risk rating.

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A Favorable Occupational Rating is Different From a Discount

You will be placed in a favorable rating class because of the fact that you fight fires, but that’s not the same thing as receiving discounts. Sometimes, insurance companies will give certain professionals discounts as a thank you for your public service.

This discount can bring your already competitive rates down even more.

Not all insurance companies will offer firefighters and other rescue personnel discounts.

Some carriers require you to be part of a professional association or a union for the discounts and others will just apply the savings once you disclose your career information to your agent.

Here are some carriers that are known to offer these fire responder discounts:

What type of insurance do you need?

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As a fire responder, you’ll be covered by the station’s general liability and auto liability policy while you’re responding to a call. It’s your responsibility to buy enough coverage to protect you when you’re driving your personal car.

You might be an expert in accident rescue strategies and extinguishing fires, but that doesn’t make you an expert in car insurance. You respond to the scenes of accidents but you never imagine you yourself being the one behind the wheel.

If you find yourself in the same position as the ones you’re rescuing, you need financial protection that gives you peace of mind. Here are some coverage options to look for:

  • Bodily Injury and Property Damage Liability – make sure you carry sufficient third-party coverage to pay for all of the accident-related bills you could be liable for
  • Medical Payments – pays for your medical expenses after any type of auto accident
  • Uninsured Motorist – pays for your medical bills and loss of income after an accident with an uninsured driver
  • Comprehensive – pays for your car repairs after fire, vandalism, flooding, car theft, or other related losses
  • Collision – pays for your car repairs after you’re in a collision
  • Rental Car – pays for a replacement car while your car is being repaired post-loss

Look For Other Discounts

You can stack discounts on an auto policy. The more discounts you can take advantage of the better. If you’re shopping for low rates, here are offerings you might be able to take advantage of:

  • Multi-car
  • Multi-line
  • Accident-free
  • Good Driver
  • Low-mileage
  • Good Student
  • Mature Driver
  • Alarm
  • Gated Community

Shop Around to Find a Deal

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The best way for firefighters to get a good deal on their auto insurance is for them to shop around. If you’re tired of paying too much, use an online comparison tool and shop the rates today.

You’ll get instant quotes in a matter of minutes by shopping online. After you compare the rates, you’ll feel confident in your decision. Enter your zip code below to begin comparing today.

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