The words “bargain” and “auto insurance” really shouldn’t be used in the same sentence, specifically when you are searching for the best car insurance rates for police officers. Because it’s not cheap, let’s familiarize you with some situations that can significantly affect car insurance premiums, and find out if we can help you take the bite out of your next policy.
The vehicle to be insured is one of the largest considerations when looking for the most economical car insurance for police officers. Vehicles with lower performance, an excellent safety record, or a low likelihood of liability claims will cost less to insure than higher performance models. The next list ranks coverage premiums for some of the cheaper vehicles to insure in California.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$1,284|
|Honda CR-V LX 4WD||$1,416|
|Ford Edge SEL 2WD||$1,454|
|Honda Civic DX 4-Dr Sedan||$1,460|
|Dodge Grand Caravan Crew||$1,512|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,529|
|Hyundai Elantra Blue 4-Dr Sedan||$1,534|
|GMC Sierra SLE Crew Cab 4WD||$1,592|
|Nissan Rogue SL 2WD||$1,597|
|Toyota Tacoma Double Cab 4WD||$1,625|
|Chevrolet Equinox LS AWD||$1,631|
|Jeep Grand Cherokee Laredo 4WD||$1,625|
|Ford F-150 XLT Super Cab 4WD||$1,633|
|Chevrolet Malibu LT||$1,655|
|Chevrolet Impala LT||$1,673|
|Toyota RAV4 Limited 2WD||$1,681|
|Honda Accord EX-L 2-Dr Coupe||$1,701|
|Ford Explorer Limited 2WD||$1,711|
|Ford Focus SEL 4-Dr Sedan||$1,717|
|Toyota Corolla XLE||$1,713|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$1,726|
|Volkswagen Jetta SE 4-Dr Sedan||$1,744|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price estimates do not factor in Oakland, CA location which can revise coverage rates significantly.
Based upon these rates, makes and models like the Ford Escape, Toyota Prius, and Honda CR-V are most likely to be a few of the most economical vehicles to insure for law enforcement personnel.
For law enforcement personnel, one of the largest criteria that are used to help calculate car insurance rates is where you live. Areas with high crime rates or more dense population tend to pay slightly more, whereas less populated areas receive better rates.
The next table rates the most costly cities in California for police officers to buy an auto insurance policy in. Oakland ranks #3 having an annual price of $1,738 for the average insured, which is around $145 each month.
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Prices are estimated as the vehicle garaging location can impact premium rates substantially.
Choosing the best auto insurance provider is hard considering how many companies are available to choose from in California. The information shown next may help you select which car insurance providers to look at comparing prices from. These ratings are for companies with a nationwide focus, so companies that focus mainly on California business are not taken into consideration for this list.
Top 10 Large Car Insurance Companies in Oakland Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Car Insurance Companies in Oakland Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Impact of citations and accidents on Oakland insurance rates
The best way to score cheap insurance rates in Oakland for law enforcement personnel is to drive safe and avoid at-fault accidents and violations. The example below demonstrates how citations and fender-benders raise insurance costs for different ages of insureds. The price estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
The chart shows that the average cost of car insurance in Oakland per year with no accidents and a clean driving record is $2,501. Get one speeding ticket and the average cost swells to $2,824, an increase of $323 each year. Now get two accidents along with the one speeding ticket and the annual cost of insurance for police officers increases to an average of $5,847. That’s an increase of $3,346, or $279 per month, just for not paying attention while driving!
Your low-price policy may be costing you money
Oakland, CA insurance rates are impacted by many things which can significantly increase or decrease the cost of your policy. Simply turning a year older, having a teenage driver, or getting a driving violation may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.
Not only may things change on your end, but insurers file new rates without warning in order to be able to pay unexpected claims. Unexpectedly high claims may result in higher priced premiums, while a lower level of claims may result in cheaper Oakland car insurance rates.
For instance, the data below shows a variety of companies that have the cheapest car insurance in Oakland, CA for a 40-year-old male driver with no accidents or violations, and excellent credit. If we compare prices based on his personal profile, USAA might offer the most affordable car insurance rates in Oakland at $1,414 a year. This is $237 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the cheapest Oakland, CA auto insurance companies.
The next chart shows rates after we give the driver from the first example a couple of claims, bad credit, and a traffic ticket or two. Due to the fact that every auto insurer has a proprietary method to set premium rates, comparing insurance quotes will most likely result in a significantly different list of companies as shown below.
Grange now has the cheapest price in Oakland with Mercury, Allstate, Progressive, and Allied now being in the top five. This example proves why it is so important to spend some time comparing rates when trying to get cheap insurance quotes for police officers. Rates can be altered by many factors and change substantially, so the cheapest rate when you bought your policy may now be priced much higher than other options.