Car Insurance for Emergency Service Workers

FREE Auto Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top auto insurance companies and save!

Things to remember...
  • Discounts on auto insurance are often available for emergency service workers
  • Because sleep deprivation is common among emergency service workers, you should consider higher liability levels for increased protection
  • Shop around to find the best coverage at the best price to met your needs

Finding adequate car insurance for emergency service workers involves exploring several things. You want to make sure you get coverage in all the right places. Additionally, you want to take the time to get quotes online and look for as many discounts as possible.

Find the coverage you want at the best rate. Enter your zip code above to compare car insurance quotes to see how much you could save.

Coverage for Emergency Service Workers

AdobeStock_118704820-1600x1600

If you are an emergency service worker, you have to consider the kind of coverage you want. In addition to state minimums, you should look at getting coverage in a few other areas.

You want to get enough coverage to avoid paying more than the deductible out-of-pocket. Otherwise, you run the risk of having to pay for windshield repairs, flood damage, and all sorts of other things with your own money.

These out-of-pock costs are an easy way to bankrupt you because repairs are often very expensive.

Coverage types to consider include:

  • Increasing liability for bodily injury
  • Increasing liability for property damage
  • Personal injury protection (PIP)
  • Collision
  • Comprehensive
  • Uninsured motorist

Increasing the liability above state minimums makes a lot of sense. You want the insurance company to pay for all of the costs so that nothing is left for you to pay out-of-pocket.

When you consider the average salary for a paramedic is just over $31,000 a year, one major accident could be enough to bankrupt you if you don’t have enough coverage.

When you’re an emergency service worker, you have to think of your hours and how tired you are coming home from a shift. If you’re going into work when it’s still dark out, visibility could be limited.

Further, if you have just worked 18 hours or longer, you might be exhausted and therefore your reaction times won’t be as strong. You might be tempted speed in an effort to get home faster.

All of these possibilities could impact how you drive – and could increase the likelihood of being involved in an accident. Whether the accident is with a car or a stationary object, more coverage will provide you with the needed financial protection.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Available Discounts

Many insurance companies offer discounts to emergency service workers. While not all insurance companies offer such discounts, it’s certainly worth looking into.

You will likely have to provide some kind of proof of employment such as a copy of a paystub, a letter from HR, or a copy of your ID badge. Whatever it is, the insurance company would apply the discount once you have proven that you are in fact an emergency service worker.

Other discounts that you could qualify for include:

Many people become a paramedic and then decide to go into another medical field, such as going to med school and becoming a doctor. This means that if you’re working as a paramedic while going to school, a good student discount could easily apply.

Any time you can get a discount is a good thing. You will be able to check off what you qualify for when getting quotes online.

Additionally, once you choose the company you wish to go with, you can call them to find out if they offer any other discounts that you might qualify for.

Comparing Quotes to Save Money

adobestock_77981972-1600x1600-1

When you’re looking for car insurance as an emergency service worker, the first thing you want to do is determine the kind of coverage you actually want to get. From there, you can request quotes online.

Getting quotes online will make it easier to learn about the different insurance companies and what their costs are. Comparisons are then made to determine who has the best reputation along with the best price for coverage.

There’s no reason to spend more on car insurance than necessary. Getting more coverage will keep you better protected for the days when you’re running on little sleep.

Further, you want enough protection for the insurance company to take care of all expenses from an accident so they don’t come after you for a remaining balance. Online quotes will help you get a better understanding of premium costs.

Compare car insurance quotes today by using our free rate comparison tool.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]