Car Insurance for State Employees

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.

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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.

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.

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