Car Insurance for State Employees
Car insurance for state employees can be cheaper due to specialty discounts they may receive. State employees often fill responsible positions that call for a lot of driving. The good news is state workers who refer to this guide will likely find the best coverage to protect them behind the wheel. Enter your ZIP code below to compare state employee auto insurance quotes and find a policy that saves you the most money.
Read moreFree Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- State employees enjoy a special status that can translate into car insurance savings
- Optional coverages often come in handy if the worst happens
- Car insurance comparison shoppers can frequently locate policies that save them surprising amounts of cash
State employees face special challenges during the course of their careers.
Many of these hard working public servants must put in many miles on the road and should have the best insurance coverage that they can afford.
This article will take a closer look at this topic, and will give readers information about comparison shopping sites and how they can help insurance shoppers find the best possible deals.
Enter your zip code into our free car insurance rate comparison tool.
Optional Coverage
These car insurance coverage items are generally optional for drivers. Nevertheless, they can be worth their weight in gold during tough times.
- Collision coverage – This insurance policy item covers damages to the vehicle of the policyholder that are sustained during an accident.
- Glass coverage – As its name suggests, glass coverage pays for any damages to the windows of the insured vehicle. Given the fact that even a small scratch can turn into a large crack over time, having glass coverage in place can produce profound peace of mind.
- Towing coverage – This item ensures that insured vehicles will be towed to the nearest garage if and when they breakdown. With towing rates becoming prohibitively expensive, this coverage item can pay for itself with one tow trip.
- Uninsured motorist coverage – This auto insurance item protects policyholders against damages sustained during an accident with an uninsured driver.
- Comprehensive insurance coverage – This insurance policy offering takes care of damages that are caused by unforeseen calamities that can include hail storms, flood, fire, theft, vandalism, and more.
- Underinsured motorist coverage – This insurance policy choice is closely related to uninsured coverage. Underinsured policies pay for damages caused by a collision with an underinsured driver. Such drivers may have insurance coverage, but have such low limits that they may be unable to actually pay for accident-related damages.
Compare quotes from the top car insurance companies and save Secured with SHA-256 Encryption
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Coverage Items That are Mandated by the Government
The following car insurance items are generally non-negotiable and cover policyholders against a range of potentially expensive issues.
- Bodily injury liability coverage – This insurance policy item covers drivers against any medical costs that may arise from an accident with the policyholder’s vehicle.
- Property damage liability coverage – This insurance policy provision pays for any damages caused to property by the vehicle of the policyholder. Covered structures can include houses, fences, etc.
- Personal injury protection – Also called PIP for short, personal injury protection coverage pays for physical injuries that may be sustained by the policyholder or passengers during an accident. This policy item can also protect drivers from costly accident-related lawsuits.
Saving Options for State Employees
State employees have many ways to save significant amounts of cash on their car insurance policies. One of the best places to start is by using the services of a good car insurance comparison shopping website.
Here are some ways you may be able to save money:
- Group insurance plans – Most workers who are also members of a recognized group can often qualify for special discounted group rates. Many state employees are members of one group or another, such as a credit union.
- Driver training discounts – State employees who take the time to enroll in and pass a driver safety training course can often qualify for discounts.
- Student discounts – Some state employees are sent back to school by their departments. Whenever this happens, the affected employees should find out whether or not their insurance policy offers discounts for being enrolled in an educational program.
- Vehicle discounts – If the car the policyholder drives has built-in safety features like heads-up-displays, anti-lock brakes, or anti-theft systems, it will frequently qualify for insurance discounts.
- Safe driver discounts – A good number of motorists drive for years without any issues. State employees who must drive at work and are also safe drivers would do well to take full advantage of available savings opportunities.
- Older driver discounts – State workers who have spent many years on the job can often qualify for age-based auto insurance discounts. For those who are approaching retirement age, this coverage option can provide valuable savings.
- Bundling – Many state workers likely have other kinds of insurance policies. These can include life insurance, homeowners insurance, disaster insurance, and more. By using the same insurance firm to provide all of these services, state employees can qualify for yet another layer of savings.
- Older vehicle discounts – State drivers can actually save money by driving an older vehicle. This is because cars that are of advanced age may need fewer kinds of coverage, so insurance shoppers who trim away any unnecessary coverage items can discover new levels of savings.
- Low mileage discounts – This car insurance coverage option rewards state employees who may spend most of their time in the office and therefore put in fewer miles than the average person.
- Deductible balancing – State employees who set their deductible amounts thoughtfully can often reap big savings over time. Drivers with good records who have not been involved in any accidents for some time may want to consider raising their deductible levels.
State employees often inhabit responsible positions that call for a lot of driving. The good news is state workers who make use of the facts presented in this article will likely be much better protected on their journeys.
Compare car insurance quotes today by entering your zip code below.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.