Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 23, 2020

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Key takeaways...

  • Many public sector employees can qualify for group-based discounts
  • Comparison shopping is an easy way to get the best prices and service
  • Auto shoppers can select optional coverage items that best fit their needs

Each and every one of the communities that are scattered across the nation is kept running by an army of public sector workers. From teachers to firefighters, civil servants play a vital role in public life, and most of them do a lot of driving in the process.

Spending a lot of time on the road calls for car insurance that is not only affordable but effective as well.

One of the best ways for public service employees to find the kind of car insurance coverage that they need is with the help of comparison shopping sites.

This article will delve deeper into this subject, highlight some of the many discounts that are available, and show how comparison shopping can result in even greater savings opportunities.

Enter your zip code into our free rate comparison tool above to see how much you could save on car insurance.

Auto Insurance Savings Opportunities for Public Sector Employees


Public sector employees often qualify for a raft of auto insurance-related benefits and one of the best ways to locate these deals is to compare the offerings of different insurance companies.

Since there are hundreds of insurance companies out there, attempting to track down information about all of them can take huge amounts of time.

Comparison shopping sites make this unnecessary by doing all of the legwork for customers.

These organizations gather information on many different insurance companies and list it on easy to use websites.

It’s easy to see just how much time, money and effort comparison shopping sites can save public sector employees who are looking to upgrade their insurance coverages.

  • Group discounts Many public employees are members of at least one trade-related group or union. As such, they will frequently qualify for group related discounts.
  • Bundling While this may sound complicated at first, it’s actually a simple concept that involves using the same insurance company to cover several policies. An example of this would be a family that uses the same firm to cover their car, home, and life insurance needs.
  • Save vehicle discounts Vehicles that are on the newer side often come with advanced safety systems in place.
  • Driver education discounts Drivers who take advantage of one of the many driver’s safety courses on the market can cash in by saving on their car insurance policies. In addition to this, some of these safety courses may be subsidized by employers.
  • Senior citizen discounts Public sector workers who are nearing retirement age will often qualify for special mature driver discounts. If they have gone for long periods of time without getting into an accident these individuals can often add to these savings by receiving safe driver discounts.

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Mandatory Auto Insurance Provisions

These insurance policy items generally must be carried by drivers due to the potential seriousness of possible physical and legal damages.

  • Bodily injury liability coverage This coverage item pays for the treatment of any injuries that are sustained in an accident with the policyholder. In today’s litigious society, having this coverage in place can act as a protection against lawsuits as well.
  • Property damage liability coverage This insurance item pays for damages that are caused by the policyholder. This point is an important one to understand, as individuals who borrow a friend’s car may actually be operating under the owner’s insurance.
  • Personal Injury Protection (PIP) This auto insurance provision pays the medical costs for any injuries that are sustained by the driver or passengers of the insured vehicle. PIP policies can also sometimes cover rehabilitation costs and lost wages.

Optional Coverage Items


These auto insurance policy provisions aren’t mandated. That said, if they are taken advantage of they can frequently be rewarding.

  • Glass coverage Even though car glass is fairly tough, it’s still relatively easy to break. Not only that but new windshields can be prohibitively expensive to repair. Glass coverage can protect against such situations, and help to keep drivers on the road.
  • Towing coverage Public sector employees who travel a lot can enjoy an extra layer of security by having this coverage option in place.
  • Underinsured motorist coverage This policy item helps to cover medical and costs after an accident with an uninsured motorist. Considering the number of legal cases involving uninsured and unlicensed drivers in the courts, it’s clear that there are a large number of illegal drivers on the road.
  • Comprehensive coverage This insurance item protects against damages caused by unforeseen circumstances including storms, floods, fire, theft, and vandalism. Comprehensive does not cover for damages sustained in a collision with another vehicle.
  • Collision coverage This policy choice does protect against the policy holder’s damage that is caused by a collision with another vehicle. While older cars may not be worth the expense, this insurance item can definitely be helpful to owners of late model vehicles.

Public Sector Workers Play a Vital Role

It is clear that public sector employees have a key role in the functioning of the communities in which they live.

Whether they are medical personnel, teachers, or street sweepers, these valuable members of the community often do tough jobs with quiet heroism.

They certainly deserve thanks, and fully deserve the savings that can be theirs if they work with auto insurance comparison shopping sites. Try our rate comparison tool today by entering your zip code below.