Car Insurance for Firefighters

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Important facts to know...

  • Firefighters need custom auto insurance policy that’s tailored to meet all of their unique personal coverage needs
  • Because of their occupation and their commitment to public service, firefighters qualify for low-cost ratings
  • Occupation is a common rating factor with most insurers and firefighters are classified as responsible drivers
  • Since firefighters don’t use their personal cars for work, they tend to pay less on their vehicle usage classifications
  • Check to see if there are affiliations discounts through professional associations before you shop around

While it’s a firefighter’s duty to control wildfires and extinguish them, they do far more than just that. Firefighters save lives in a variety of different emergency situations.

  • They run into burning buildings
  • They put human life first
  • They try to minimize property damage as best as they can

It takes a special kind of human being to put their life on the line to be first on the scene to rescue people in deadly situations.

Many car insurance companies are dedicated to offering public servants that save lives and protect the company discounts for their services.

Firemen fall into a discount-worthy occupation class for many consumers shopping for personal car insurance. Compare car insurance quotes today by entering your zip code above.

If you’re on a mission to find affordable car insurance for firefighters, here’s what you must know:

How Auto Insurance Policies are Priced

Auto insurance premiums aren’t pulled out of thin air.

Rate makers are insurance actuaries who spend their days looking at data, expenses, claims information, and other business intelligence to determine if rates need to change and if new factors are affecting the population’s driving habits.

They then program the algorithms into quoting systems so that personal rating factors can drive custom premiums up and down with the press of a button.

Know Your Professional Risk Class

There are dozens of risk classes that are used to come up with an end policy premium. One of those risk classes that will be used in most states is the professional or occupation risk class.

Your professional risk is basically defined as how likely you are to be exposed to accidents based on a compilation of accident data that’s on file.

Your driving habits might not align with the habits of all of your fellow firemen, but insurance companies are known to use averages. Luckily for you, firefighters fall into a good professional risk class because they tend to drive more responsibly than other professionals.

Surprisingly enough, other respected professionals like doctors and lawyers are in a bad risk class.

Car Insurance Discounts for Firefighters

You not only in a low-cost professional risk class for being a firefighter, you may also qualify for special discounts because of how committed you are public service.

Not all companies offer occupational discounts, but if you shop around the marketplace you’ll be able to find the carriers who do.

Special Rates With for Members of the IAFF

Being a member of the International Association of Fire Fighters is considered an honor. There are also other state-run professional associations that help to train firemen and honor those who are excelling in their field.

While there’s no match for the programs that are run by the IAFF, there are other benefits to being a professional member.

Members of the IAFF and other satellite agencies for firemen can qualify for special group auto rates through specific property insurers who have built a relationship with the associations.

Currently, you can get Group Savings Plan member discounts as a firefighter or a retiree through Liberty Mutual. The group rate is 10 percent off of the companies lowest rates.

Look for Special Custom Coverage Options

A firefighter might not need the same things on their personal auto insurance plan as someone who commutes to the same office nine to five every weekday. After all, there will be nights you won’t even drive home because you’ll be in the station waiting to be dispatched.

Not all companies have custom coverage options, but some companies do. The tailored coverage options will provide you more peace of mind while your driving to and from work and even while your car is parked.

Here are some different custom tailored policy features that you could find to align with your needs:

  • Coverage for turnout gear left in your personal vehicle
  • Deductible waivers or discounts for claims that happen while your vehicle is parked at the fire station
  • Fallen hero benefit programs for families
  • Additional service for property, casualty, life and disability coverage

The Risk Factors That Insurers Use to Rate a Policyholder

There are so many different risk factors that are used to rate any driver’s rates. It doesn’t matter if you’re retired, you have a desk job, or you have a hazardous job, the risk factors will be used to give you a personal rate quote.

You might be surprised to learn that each of the following items can change your premiums:

  • Age
  • Gender
  • Marital Status
  • Driving Experience
  • Credit-based Insurance Score
  • Garaging Address
  • Claims Experienced
  • Motor Vehicle Record
  • Vehicle Type
  • Vehicle ISO Rating
  • Annual Mileage
  • Vehicle Usage

Usage Risk Factors

Firefighters don’t drive their vehicles for business they drive their fire trucks and other vehicles in the station’s fleet. Luckily, how you use your personal car us going to impact your risk class and your total vehicle premium.

Since you’re not a business user, you don’t have to worry about falling into the highest usage class.

Usage is defined as the primary purpose that drivers in the home operate a specific vehicle in the home. You can either drive your household vehicle to and from work or strictly for errands and recreation purposes.

Commuters who drive their vehicles to the station will pay a mid-priced commuter rate. If you have other pleasure cars, they’ll be classified with the low-cost pleasure rate.

Managing Your Mileage

Every station has their own scheduling policies in place but you typically work longer shifts than the average persona as a firefighter.

Some cities require firefighters to work 48-hour shifts followed by 96 hours off and others have 10-hour shifts four days a week. The scheduling changes when there’s a national emergency.

Since you’re spending a great deal of time at the station where you can’t leave while you’re on-duty, you won’t spend much time in your car which helps you manage your annual mileage on your cars which can help you keep rates down.

The more miles you drive, the higher the rate class you’ll be in. If you drive less than 5,000 miles per year, you may even get a valuable low-mileage discount.

Choosing the Right Limits

You’ve seen so much devastation as a firefighter that you know how dangerous it can be to put a car in the hands of the wrong person. When traveling at high speeds, a vehicle is capable of real death and destruction.

You can be the most responsible driver in your family and still be liable for an accident in just a split second.

Since you see serious car accidents, mangled cars, and gruesome injuries, you know that you need to carry higher limits than the state requires. You can’t carry these minimum limits and feel a peace of mind.

You can always carry a $1 million Personal Umbrella but experts recommend that you carry at least:

  • $100,000 per person in Bodily Injury
  • $300,000 per accident in Bodily Injury
  • $50,000 per accident in Property Damage

The only way that you can comfortably find a car insurance policy as a firefighter is to compare rates. You can contact some carriers directly for quotes or you can use your time wisely and get instant quotes online.

Use our online rate comparison tool for instant estimates and get the low rates you deserve as a fireman.

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