Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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UPDATED: Jul 14, 2021

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Important facts to know...

  • If you are a public servant, you might not be entitled to a discount on your auto insurance coverage just because of your profession
  • The best way to save money on your auto insurance coverage is to ask for all of the applicable discounts you can from your current auto insurance provider
  • You also want to make sure to shop around for rates on auto insurance coverage before you sign up with one provider because you might not be aware of what a reasonable rate is in your area
  • If your current auto insurance provider is not able to offer you any discounts, this may be an indication that you should shop around for different options in your area to get a lower price
  • Make sure that you get the right amount of auto insurance coverage, which might be considerably more than the state minimum requirements for auto insurance coverage

Most of the discounts available for auto insurance coverage are based on your driving record and how much you can reduce your risk of being involved in an auto accident.

This means that someone who works in the public sector should focus on finding ways to lower his or her auto insurance rate by showing the auto insurance company that you are not a risky driver.

You should also check with more than one auto insurance provider for available rates in your area. Use our free comparison tool to get started.

Assessing Your Auto Insurance Coverage

It is always a prudent idea to make sure that you are meeting the state minimum requirements for auto insurance coverage. However, this is typically not enough coverage for most drivers.

It is generally recommended that you speak with your auto insurance company about what the typical policy limits are in your area.

The policy limits are the maximum amount that the auto insurance provider would be responsible for if you were to hit another car or person in a car accident.

A stressful situation that you want to avoid is causing more damage in an auto accident than you have auto insurance to pay for. The injured parties would then recover against you personally for the remainder of the damage.

When you set your policy limits, this applies to your auto liability policy instead of your optional coverages.

For example, if you have collision coverage on your car, the auto insurance company will determine for itself the amount of coverage that you will need based on the value of the car and the cost to replace or repair it if it were damaged.

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Lowering the Cost of Your Auto Insurance Coverage

Instead of looking to reduce your policy limits in order to lower your monthly premium for auto insurance coverage, you should consider finding unique ways to get a discount on your rate including:

  • combining policies
  • taking public transportation
  • keeping a clean driving record

One of the most common ways that drivers enjoy a discount is by combining other types of insurance with the same company. This means that you should probably have your car insurance and your home owner’s insurance through the same auto insurance provider.

The tricky thing to remember is that not all auto insurance companies offer other lines of insurance.

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If you work in the city or a high-traffic area, you may want to consider using public transportation to commute to and from work.

This reduces the number of miles that you put on your car each day, which means that you are less likely to be involved in an accident than someone who drives their car more frequently.

Make sure that you are truthful with the auto insurance company regarding this lifestyle choice because you could be denied coverage if you are involved in an accident while driving your own car to work.

In addition to the above discounts, you should also see if you can qualify for a reduced rate based on your driving record. For some auto insurance companies, there are incentives available to keep your driving record free of auto accidents and traffic tickets.

If your driving record is not as good as you would like, you can also take a driving safety course to show the auto insurance company that you are taking responsible steps to reduce your risk of an accident.

How to Take Advantage of a Lower Rate on Auto Insurance Coverage

If you take a look at other rates for auto insurance coverage in your area, you may decide that you want to go with a new auto insurance company that can offer you a cheaper rate. This happens more frequently than you might imagine.

The process can be done over the phone and will allow you to start enjoying a lower rate in no time flat.

Make sure that you ask the new auto insurance company all of your questions before going through with signing up for auto insurance coverage.

You do not want to be surprised to find out that certain coverages are not offered or that you will not be able to move your other insurance lines, such as your home owner’s insurance, over to the new auto insurance company.

You also want to be clear on your policy limits and the amount of your deductible.

Once you are satisfied with your decision to move to a new auto insurance company, you will have to inform your previous auto insurance provider that you are going to be making a switch.

It is important not to simply assume that the previous auto insurance company is aware that you are going with a new auto insurance company just because you have stopped paying your monthly bills.

You should be sure to follow all of the auto insurance company procedures for canceling your current auto insurance coverage.

Final Wrap Up on Getting Auto Insurance Coverage for Civil Servants

If you work in the public sector, you might be disappointed to find out that there are very few auto insurance discounts available to you based on your profession alone.

The good news is that there are many other ways that you can save on your auto insurance premium, including discounts on how frequently you use your car and where you keep it parked.

To be absolutely sure that you are getting the best price possible on your auto insurance coverage, you should take the time to shop around for different companies and the most reasonable rate.

The process is not long or complicated and can end up saving you hundreds of dollars a year on your auto insurance coverage premium. Start saving today! Use our comparison tool to get started right away.