How to Get a First Responder Auto Insurance Discount (2024)
Liberty Mutual, Nationwide, and Travelers offer first responder auto insurance discounts that can save you up to 25%. Firefighters, EMTs, and law enforcement personnel may qualify for car insurance discounts as first responders. Lower first responder auto insurance rates are available by bundling with other discounts.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Oct 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 12, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Several companies offer auto insurance first responder discounts of up to 25%
- First responder auto discounts vary by company and state
- First responders include firefighters, law enforcement, EMTs, and paramedics
Many companies offer first responder auto insurance discounts to firefighters, law enforcement, EMTs, and paramedics as a thank-you for their service.
However, not all insurers offer discounts, and savings amounts vary. In addition, an insurer may not be the best choice just because they provide a first responder discount, so shop around and compare rates and discounts from the best auto insurance companies to find the cheapest first responder coverage.
Keep reading to learn more about first responder auto insurance discounts and how to get the best deal.
Overview of Auto Insurance Discounts Available for First Responders
Most insurance companies offer discounts based on factors such as driver, vehicle, and policy. Additionally, some insurers offer auto insurance discounts based on your job and memberships in specific organizations.
First Responder Discounts: Top Savings by Auto Insurance Provider
Insurance Company Description
AAA Healthcare workers and first responders can benefit from free roadside assistance provided by AAA, regardless of whether they are AAA members or not. Simply call 1-800-AAA-HELP (1-800-222-4357) and answer a few questions to get assistance.
Alfa Alfa offers occupational discounts to several categories of professionals, including educators, first responders, military personnel, state and federal employees, auto manufacturers' employees, ministers, and farmers. These discounts may vary depending on the occupation.
Country Financial Full-time firefighters, police officers, EMTs, and paramedics may qualify for a 5-10% discount at Country Financial. Eligibility criteria may vary by location.
Direct Auto Active members of partner organizations may be eligible for up to a 5% discount through Direct Auto's Affinity Discount. To find out which organizations qualify, contact a Direct Auto agent at 1-877-GO-DIRECT (1-877-463-4732).
Farmers Certain professionals, including those who are currently employed or retired from an approved occupation, or who are members of approved professional groups, may qualify for a discount at Farmers.
Grange Insurance Grange Insurance offers occupation-based discounts to eligible policyholders, depending on the occupation level of the policyholder or their spouse.
Mercury Mercury offers an association discount to eligible policyholders and their spouses who are members of sponsored groups, such as professional groups for doctors and first responders.
National General Members of specific organizations can benefit from affinity discounts at National General Insurance.
The Hartford Volunteer firefighters, ambulance drivers, and first aid and rescue members can take advantage of The Hartford's Volunteer Firefighter and First Responder Insurance. This coverage provides protection for injuries or illnesses that occur while performing first responder duties.
Travelers Employees and members of participating businesses, groups, associations, and credit unions can enjoy special savings through The Travelers Affinity Car and Home Program.
Wawanesa Wawanesa offers various auto insurance discounts, including an affinity discount for members of the company's affinity groups. Eligible policyholders can benefit from significant savings on their auto insurance premiums.
Read more: How to Get a Federal Employee Auto Insurance Discount
First responders typically earn auto insurance savings as a way for insurers to give back to those who serve their communities. First responders are also generally more responsible and have additional training that helps them become safer drivers.
However, not all auto insurance companies offer discounts to first responders. Some auto insurance companies that provide these discounts include Nationwide, Travelers, and Liberty Mutual. Keep in mind that discount availability and savings amounts vary by insurer.
Discounts may also vary by profession. For example, discounts may be up to 10% with some insurers when looking for firefighter auto insurance. However, auto insurance for law enforcement officers is slightly different. Police may earn up to a 25% police auto insurance discount from some insurers.
Additionally, insurers may offer discounts if you belong to specific organizations or unions. So, if your auto insurance company doesn’t offer a first responder discount, check to see if they offer related membership discounts.
Read more: How To Get a Membership Auto Insurance Discount
First responders can also bundle their discounts with other savings, such as good driver, multi-policy, and other discounts, to lower rates.
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Identifying The Top Auto Insurance Companies for First Responders
There is no one-size-fits-all auto insurance company for first responders. Although some insurers offer a first responder discount, that doesn’t necessarily mean that’s the best deal.
There are numerous factors that affect auto insurance rates, such as age, driving record, vehicle, and credit score. In addition, each insurance company weighs these factors differently. So, a company may have higher rates, even if they offer a discount for first responders.
For example, while there is a Nationwide auto insurance first responder discount, Nationwide rates aren’t typically the cheapest. However, rates vary by driver, so shopping around for the most affordable first responder auto insurance is essential.
The best auto insurance companies for first responders offer low rates and occupational discounts.
Keep in mind that it may be more challenging to find auto insurance discounts for retired first responders. While some insurers offer savings for current first responders, most don’t offer the discount if you’re retired.
Other Ways First Responders Can Save on Auto Insurance
There are a variety of ways to save on auto insurance if you’re a first responder. Even if your insurance company doesn’t offer a special discount, there are changes you can make to get the lowest rates possible.
First, bundle your first responder discount with other savings. Take advantage of discounts based on your characteristics, policy, and vehicle. In addition, you may get a discount if you’ve had specialized training, such as a defensive driving class.
Next, consider changing your policy. Remove any unnecessary coverages, like roadside assistance and rental car reimbursement. You may also consider reducing coverage. Although full coverage offers the most protection, it also comes with the highest rates.
Raising car insurance deductibles also lower rates. As with lowering coverage, increasing your deductible means more out-of-pocket expenses if your vehicle is damaged. However, lower rates may offset the added costs.
You may also consider usage-based auto insurance if you don’t drive your personal car often. Low-mileage drivers save money with non-traditional policies that allow them to pay a base fee and a small per-mile charge.
Finally, shop around for coverage. Each auto insurance company offers different rates and discounts for first responders. Compare multiple companies to find affordable first responder auto insurance.
Other Auto-Related Discounts Available for First Responders
In addition to auto insurance, many other businesses show their appreciation for first responders by offering discounts. Check out some auto discounts for first responders that may be available to you.
Vehicle Buying Discounts
Most car manufacturers offer first responder discounts on purchases or leases. However, the discount amount and qualifications vary by maker.
For example, General Motors offers a $500 cash allowance on select Chevrolet, GMC, and Buick vehicles and a $1000 cash allowance for some Cadillac models.
Since discounts vary by the car maker and the dealer, first responders can shop around to see which dealers offer the most savings.
Rental Car Discounts
Many rental car companies offer first responder discounts, but specific requirements may exist. For example, Alamo offers discounts for federal first responders, and Hertz only offers discounts to certain unions.
Before renting a vehicle, shop around to find discounts for first responders that work for you. In addition, you may get rental car discounts based on your insurance company or credit card.
Auto Repair Discounts
Being a first responder may save you money if your car needs repairs. Many businesses offer first responder discount auto repair. However, these discounts and savings amounts vary by store.
For example, stores like Pep Boys may offer a discount to first responders, but there are no Advance Auto Parts discounts for first responders. In addition, some car dealers, such as BMW and Mercedes, offer first responder discounts on service.
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First Responder Auto Insurance Discount: The Bottom Line
First responders include firefighters, law enforcement, EMTs, and paramedics. Some auto insurance companies, such as Nationwide, Travelers, and Liberty Mutual, offer auto first responder discounts on insurance. However, the amount of the discount varies by company, and not all companies provide savings.
Most insurance companies provide various discounts, such as good driver, multi-car, and vehicle safety feature discounts, that first responders can bundle to earn lower rates.
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— AutoInsurance.org (@AutoInsurance) April 18, 2023
First responders can also save money on auto insurance by raising deductibles, reducing coverage, and shopping around. Since the companies that offer a first responder discount may not offer the cheapest rates, it’s critical to compare multiple quotes to find the best deal.
In recognition of their life-saving work and the stressful conditions they often face, some insurance providers offer an emergency medical services (EMS) auto insurance discount, providing these brave professionals with more affordable coverage options.
Frequently Asked Questions
What is a first responder auto insurance discount?
A first responder auto insurance discount is a special discount offered by insurance companies to individuals who work as first responders, such as police officers, firefighters, and paramedics. It is a way to recognize their service and dedication by providing them with reduced insurance premiums.
Which first responders are eligible for this discount?
Eligibility for the first responder auto insurance discount may vary between insurance companies. Generally, it includes professionals working in law enforcement, firefighting, emergency medical services (EMS), and other related fields. However, it is recommended to check with individual insurance providers to confirm eligibility criteria.
How can I qualify for a first responder auto insurance discount?
To qualify for a first responder auto insurance discount, you typically need to provide proof of your occupation as a first responder. This may involve submitting documentation such as a badge, employment verification letter, or other relevant proof as required by your insurance company.
How much of a discount can I expect to receive?
The amount of discount offered may vary depending on the insurance company and the specific policy you choose. Generally, first responder auto insurance discounts can range from 5% to 20% off the regular premiums.
Can I combine a first responder auto insurance discount with other discounts?
Insurance companies may have different policies regarding combining discounts. While some companies may allow you to combine the first responder discount with other applicable discounts, others may have restrictions. It’s best to check with your insurance provider to understand their specific policies.
Is the first responder auto insurance discount available in all states?
The availability of the first responder auto insurance discount may vary by state and insurance provider. Some states may have regulations that require insurance companies to offer discounts to first responders, while others may not have such requirements. It’s advisable to inquire with insurance companies operating in your state to determine if this discount is available.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.