This would be a much quicker read if we could tell you the one company in Texas that is cheapest in Texas. It’s not that easy, however, as there are a ton of unknown factors like whether you are male or female, tickets or driving violations, where you live in Plano, and if you own your own home, that all impact the cost of coverage. This article will cover the different scenarios that increase car insurance cost and will hopefully give you a jump start in finding the best auto insurance in Texas.
Comparing rates for cheap auto insurance is not easy, and finding out which company offers the best insurance rates for police officers calls for even more shopping around.
Each insurer has a unique formula for setting rates, so let’s take a look at the insurance companies that tend to have lower prices in Plano, TX. It’s a good idea to be aware that Texas insurance rates are influenced by many factors that may substantially change the cost of coverage. Price variation is why consumers need to compare as many rates as possible when trying to get cheap car insurance quotes for police officers. Prices are calculated by many different factors and can decrease or increase without notice, so the most economical company a year ago may now be priced much higher than other options.
Find the Cheapest Auto Insurance for Law Enforcement
Travelers has some of the most affordable car insurance rates in Plano at around $1,010 annually. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are also some of the more affordable Plano, TX insurance companies.
In this example, if you are insured with Texas Farm Bureau and switched to USAA, you may realize a yearly price reduction of about $163. Drivers with Esurance might save as much as $323 a year, and California Casualty policyholders might cut rates by $340 a year.
Remember that these policy prices are averaged for all drivers and vehicles in Texas and and are not calculated with a specific vehicle garaging location for police officers. So the company that is best suited for you may not even be in the top 23 companies shown above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.
The type of vehicle that needs insurance is one of the primary factors that determines if you can find the most economical insurance for police officers. Vehicles with lower performance, advanced safety features, or a positive history of liability claims will cost less to insure than high performance models.
The information below illustrates auto insurance costs for a selection of the most cost-effective automobiles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $885 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $993 |
| Honda Accord LX 4-Dr Sedan | $1,002 |
| Ford Escape XLS 2WD | $1,010 |
| Chevrolet Impala LS | $1,030 |
| Dodge Grand Caravan Hero | $1,051 |
| Hyundai Elantra SE Touring Station Wagon | $1,085 |
| Ford F-150 XLT Regular Cab 4WD | $1,087 |
| Ford Explorer XLT AWD | $1,093 |
| Ford Edge Sport 2WD | $1,106 |
| Toyota Prius | $1,110 |
| Chevrolet Equinox LTZ AWD | $1,125 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,132 |
| Jeep Grand Cherokee Limited 2WD | $1,125 |
| Toyota Tacoma 2WD | $1,127 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in zip code location which can lower or raise price quotes noticeably.
By looking at the data, we can assume that vehicles like the Honda CR-V, Jeep Wrangler, Honda Accord, and Ford Escape are most likely going to be the most affordable vehicles to insure for law enforcement personnel.
For law enforcement personnel, one of the largest components that are used to help calculate the annual cost of car insurance is where you keep your car. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The illustration below lists the most costly cities in Texas for police officers to buy auto insurance in. Plano is listed at #18 with an annual rate of $1,608 for the average insurance policy, which is about $134 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Dallas | $1,855 |
| 3 | Laredo | $1,851 |
| 4 | Brownsville | $1,851 |
| 5 | Garland | $1,850 |
| 6 | Houston | $1,835 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,794 |
| 9 | Grand Prairie | $1,793 |
| 10 | Amarillo | $1,786 |
| 11 | Beaumont | $1,772 |
| 12 | Irving | $1,772 |
| 13 | Lubbock | $1,716 |
| 14 | Arlington | $1,692 |
| 15 | San Antonio | $1,688 |
| 16 | Fort Worth | $1,653 |
| 17 | Austin | $1,610 |
| 18 | Plano | $1,608 |
| 19 | Carrollton | $1,598 |
| 20 | El Paso | $1,584 |
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Prices are estimated as the vehicle garaging location can affect auto insurance rates noticeably.
Discount Plano auto insurance rates
Auto insurance companies that sell policies for police officers may also give you premium discounts that could lower prices by 40% or more if you can meet the requirements. Larger insurance companies and their possible discounts can be read below.
- Progressive may have discounts that include multi-policy, online signing, homeowner, online quote discount, continuous coverage, and good student.
- MetLife has discounts for good student, good driver, defensive driver, accident-free, multi-policy, claim-free
- Mercury Insurance may offer discounts for accident-free, location of vehicle, multi-policy, multi-car, and ease of repair.
- Nationwide includes discounts for Farm Bureau membership, family plan, multi-policy, anti-theft, defensive driving, easy pay, and business or organization.
- GEICO has savings for anti-theft, daytime running lights, five-year accident-free, multi-vehicle, and anti-lock brakes.
- AAA discounts include anti-theft, AAA membership discount, multi-car, education and occupation, good student, and good driver.
The illustration below visualizes the comparison of annual premium costs with and without some available policy discounts. The premiums assume a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, safe-driver, defensive driving course, anti-theft, passive restraint, and marriage discounts applied. When these discounts are applied, theaverage amount saved on insurance for police officers is 28% or $815.
Texas insurance companies
Buying coverage from a highly-rated auto insurance provider can be a challenge considering how many companies sell insurance in Plano. The ranking information below may help you select which providers you want to consider when comparing rates. These ratings are only comprised of companies who write in the majority of U.S. states, so companies that focus mainly on Texas business will not be included in these rankings.
Top 10 Major Auto Insurance Providers in Plano Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Top 10 Major Auto Insurance Providers in Plano Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
The example below shows how choosing a deductible can raise or lower insurance prices when getting quotes for cheap insurance for police officers. The data is based on a married male driver, full coverage, and no policy discounts are applied.
The chart above illustrates that a 30-year-old driver could save $396 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $598 by using a $1,000 deductible. Even younger insureds, like the 20-year-old example, could roll back prices as much as $1,206 every year just by choosing higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it will now be necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
If you aren’t sure which coverage you need and prefer to have some professional guidance when shopping for cheaper insurance for police officers, the agents listed below can help you make a decision which car insurance company is the best fit.
To find an agent close to where you live, click the link after the list or click here to compare prices now.
- Allstate Insurance: Brad Williamson
4670 McDermott Rd #206 – Plano, TX 75024 – (972) 867-2778 - Allstate Insurance: Tinh Tieu
1721 W Plano Pkwy Ste 127 – Plano, TX 75075 – (972) 596-5511 - Plano, TX Car Insurance – The Gallovich Insurance Agency
1145 14th St #2117 – Plano, TX 75074 – (972) 398-0001 - Ruth Bookhammer – State Farm Insurance Agent
1106 14th St – Plano, TX 75074 – (469) 814-0551 - Buckley Insurance Agency
3100 Independence Pkwy #216 – Plano, TX 75075 – (972) 665-0620