Car Insurance for Union Members

Large numbers of drivers take to the roads every day. Among this army of drivers are a large number of union members, and these union members can often enjoy unique car insurance-related benefits.

This article will take a closer look at some of these insurance-related benefits, and will also consider how many of these union members can save significant amounts of money by car insurance comparison shopping.

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Car Insurance Considerations for Union Members

Labor unions are important organizations that have changed the way people work around the world. Labor unions are basically members of a profession or employees of a company who work together to satisfy their collective interests.

Union members work together because they have more collective influence than any single members has on their own.

In order to come to terms that are satisfactory to both parties, union members and their employers negotiate what are known as collective bargaining agreements (CBAs).

These collective bargaining agreements help employees and employers settle on the terms of employment for a specific time period.

Once this specific period has expired, union members and their employers will work to craft a new CBA for another specific period of time.

As can be imagined, there are a large number of unions in operation in the U.S. at any given moment. The following is a list of some of the biggest unions that are in business at the present time.

• National Education Association of the United States (NEA) – The NEA represents the interests of public school teachers as well as university and college staff members. With around three million members, it is one of the largest unions in the U.S.
• Service Employees International Union (SEIU) – The SEIU is comprised of about 1.5 million members. SEIU members work in the service industry, which can include healthcare personnel, hospitality personnel, and certain public sector personnel.
• American Federation of State, County, and Municipal Employees (AFSCME) – With a little under 1.5 million members, the AFSCME is the third largest union in the U.S. The AFSCME represents people who work for municipal, county, and state governments.
• Teamsters – The Teamsters have slightly fewer members than the AFSCME, making them the fourth largest union in the U.S. The Teamsters represent trades that can include builders and truck drivers.
• United Food and Commercial Workers – This union represents about 1.3 million distribution and retail workers in the U.S.

Many car insurance providers are willing to provide unions and their members with generous car insurance perks that can include:

• Special group discounts that can save union members up to 20 percent on their policy payments.
• Multi-driver, multi-vehicle, or safe driver discounts.
• Extra discounts for union members with many years of faithful service.

It should be noted that savvy car insurance shoppers can save even more by using the services of car insurance comparison shopping websites.

These websites gather large amounts of information about large numbers of car insurance providers, after which this information is provided to their clients. As can be imagined, this saves such clients huge amounts of time and cash.

Car Insurance Coverage Options Useful for Union Members

• Policy Bundling – Insurance policy bundling is the practice of using the same insurance company to provide different kinds of coverage. For example, people who are members of an insurance company that provides life and auto coverage can often buy both kinds of coverage from the same company, saving cash on both policies in the process.
• Business Owners Policies (BOPs) – Many union members must drive as a part of their job descriptions, but their personal car insurance may not cover them while they do so. If this is the case, BOPs can provide adequate car insurance coverage for union members who need to their own cars at work.
• Special Equipment Endorsements – Many of the union members who need to drive vehicles at work also must drive vehicles that have been specially modified. If this is the case, they will need coverage for any modifications, and this is where having special equipment endorsements on their collision coverage can pay huge dividends.

Union Members Deserve Adequate and Affordable Car Insurance Coverage

Union members perform many vital services for society at large. Whether they serve as ambulance drivers, government workers, soldiers, or anything else, they spend much time and effort in the service of others.

As they spend time performing these duties, these valuable members of society deserve the best in car insurance coverage.

Luckily, those who take the lessons of this article to heart and use the services of car insurance comparison shopping websites can count on finding such coverage. Use our comparison tool today! Just enter your zip code below to get started.