How to Get an Emergency Medical Services (EMS) Auto Insurance Discount (2024)
The emergency medical services (EMS) auto insurance discount with Allstate can lower rates by 25%. Those working in paramedic services can further lower their auto insurance with safe driving and usage-based insurance. Find EMS auto insurance discounts, cheap EMS coverage, and more ways to save below.
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Tim Bain
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Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: May 1, 2024
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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: May 1, 2024
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
- Many companies offer discounts to EMS professionals on auto insurance
- Discounts for EMS personnel typically range from 5%-25% off of their total premium
- To qualify for an EMS discount you must be actively employed in the field and provide proof of employment
You might qualify for an emergency medical services (EMS) employee auto insurance discount from certain companies. Many companies offer auto insurance discounts to EMS professionals, so shopping around and comparing rates can help you find the best deals on cheap auto insurance for EMS employees.
In this article, we’ll explain the basics of auto insurance discounts for EMS workers and overview companies, such as State Farm, offering first responder car insurance discounts.
Overview of Emergency Medical Services (EMS) Auto Insurance Discounts
You may be eligible for a discount on your auto insurance when you’re an EMS employee. Many companies offer discounts to EMS professionals because of their important work and the risks they take when responding to emergency calls. Typically, these discounts range anywhere from 5-25% depending on the provider and types of auto insurance purchased.
In addition to getting an EMS auto insurance discount, some providers also offer additional perks such as accident forgiveness and free roadside assistance. These can help make your policy even more affordable while still providing excellent protection.
Before moving forward, it’s important to make a distinction here between auto insurance discounts for:
- Firefighters
- EMS workers
- First responders
- Law enforcement officers
While all three groups may be eligible for some type of discount, the exact discounts and eligibility criteria vary from company to company.
Another distinction is that some companies may offer different discounts based on the type of coverage being purchased. For example, a company might offer an EMS discount for liability auto insurance but not for comprehensive or collision coverage.
Definition of EMS Worker
An EMS worker is a professional healthcare provider who responds to medical emergencies and provides patient care in pre-hospital settings.
They’re typically employed by a local fire department, ambulance service, or hospital and may work as part of an emergency response team. EMS workers must be certified and have specialized training to perform their duties safely and effectively.
They can provide life-saving services such as CPR and first aid outside of the hospital setting. With their expertise and commitment to public safety, they deserve special recognition for their dedication. That’s why many auto insurance companies offer discounts specifically for EMS workers.
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Professionals Eligible for EMS Auto Insurance Discounts
To qualify for an EMS auto insurance discount, you must typically be a full-time or part-time EMS worker, including firefighters, paramedics, EMTs, rescue personnel, and health care professionals who provide emergency medical services in pre-hospital settings.
You may also need proof of your employment status to qualify for the discount. Some companies may require a pay stub or letter from your employer verifying that you’re employed as an EMS worker.
Tips for Finding the Best EMS Auto Insurance Discounts
When shopping for auto insurance, it’s important to compare rates from multiple companies to find the best deal. Many companies offer discounts specifically for EMS workers, so make sure to ask if they have any special offers available.
Top Auto Insurance Discounts
| Discount Type | Description | Companies |
|---|---|---|
| Multi-policy discount | Discount for having multiple insurance policies with the same company | Geico, Nationwide, Liberty Mutual, Travelers |
| Safe driver discount | Discount for having a clean driving record and no accidents or tickets | Geico, Nationwide, Liberty Mutual, Travelers |
| Low mileage discount | Discount for driving fewer miles per year than the average driver | Geico, Nationwide, Liberty Mutual, Travelers |
| Anti-theft device discount | Discount for having anti-theft devices installed in your car | Geico, Nationwide, Liberty Mutual, Travelers |
| Good student discount | Discount for students with good grades | Geico, Nationwide, Liberty Mutual, Travelers |
| Affinity group discount | Discount for being a member of a professional or alumni association | Geico, Nationwide, Liberty Mutual, Travelers |
| Occupational discount | Discount for being employed in a certain occupation. | None specifically, but some insurers may offer discounts to members of professional organizations |
| Defensive driving course discount | Discount for completing a defensive driving course | Geico, Nationwide, Liberty Mutual, Travelers |
| Pay-in-full discount | Discount for paying your premium in full upfront | Geico, Nationwide, Liberty Mutual, Travelers |
Taking advantage of online insurance comparison tools and quote generators is also a good idea. These can help you quickly compare rates, coverage options, and EMS insurance discounts from different providers side by side.
In addition, check out customer reviews and ratings when researching different auto insurance companies to understand better which companies offer quality service and the most competitive discounts for emergency medical services professionals.
Companies That Offer EMS Auto Insurance Discounts
Several of the best auto insurance companies offer special discounts for EMS professionals. Farmers Insurance, AAA, and Nationwide are three of the most popular options that provide discounts specifically for EMS workers.
Emergency Medical Workers (EMS) Auto Insurance Discounts
| Insurance Company | Discount Offered |
|---|---|
| Geico | Up to 15% off premiums for active or retired EMS personnel |
| State Farm | Up to 25% off premiums for current or former EMS personnel |
| Allstate | Up to 25% off premiums for current or former EMS personnel |
| Nationwide | Up to 10% off premiums for EMS personnel and their families |
| Liberty Mutual | Up to 10% off premiums for EMS personnel |
As you can see, you can also get a State Farm first responder discount of up to 25%. In addition, Farmers offers discounts on liability coverage for full-time employees of fire departments and emergency medical services providers. They also offer accident forgiveness if you maintain a clean driving record over time.
Also, AAA provides a discount on auto insurance premiums to all members employed in fire protection or emergency medical services. This discount is available regardless of whether they purchase just liability coverage or add additional coverage, such as collision and comprehensive auto insurance.
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Finally, Nationwide auto insurance also offers an exclusive discount on their auto insurance policies to any current or retired EMS workers.
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How to Reduce Your Auto Insurance Costs as an EMS Professional
You can take several steps to reduce your auto insurance costs as an EMS professional. Some of these include:
- Purchasing a car with safety features such as anti-lock brakes and airbags.
- Carrying low-mileage auto insurance.
- Maintaining a good driving record.
- Increasing your auto insurance deductible to lower the cost of your premiums.
- Taking advantage of any available discounts that apply to you, including those specifically for EMS workers.
- Shopping around and comparing rates from multiple providers to find the best deal.
- Taking a defensive driving course.
By following these tips, you can save money on auto insurance while getting the protection you need. So, if you ever need to make a claim, having adequate coverage will minimize your financial losses.
How to Qualify for an EMS Auto Insurance Discount
Finding the best auto insurance for emergency medical services workers doesn’t have to be difficult or time-consuming. By researching your options, comparing rates from the best auto insurance companies, and taking advantage of available discounts, you can find a policy that will provide you with the protection you need while still saving money.
For example, you’ll likely find cheap EMS auto insurance with the State Farm first responder discount, which saves you up to 25%.
Everyone likes a good neighbor🏘️, but does State Farm live up to its slogan, "Like a good neighbor, State Farm is there?" https://t.co/27f1xf1ARb can help you learn more about one of the leading companies in the U.S. Check out the review here👉: https://t.co/twfTgnzWWC pic.twitter.com/bqBwkOjZb0
— AutoInsurance.org (@AutoInsurance) July 28, 2023
And remember: always check customer reviews when selecting an auto insurance provider to ensure they offer quality service and competitive discount rates for EMS professionals.
Frequently Asked Questions
What professional fields are included in emergency medical services?
The system definition for EMS includes a wide range of professional fields, including paramedics, emergency medical technicians (EMTs), nurses, doctors, and other healthcare professionals who provide medical care to patients in an emergency situation.
How much savings does an EMS auto insurance discount provide?
The amount of savings you can get from an EMS auto insurance discount varies depending on the provider and the coverage you select. However, some providers offer discounts of up to 25% for emergency medical services professionals.
Does Progressive have a first responder discount?
There is no Progressive first responder discount.
What companies offer EMS auto insurance discounts?
Several major auto insurance companies offer special discounts for EMS professionals, including Farmers Insurance, AAA, and Nationwide.
Does insurance cover EMS workers on the job?
Yes, most auto insurance policies will cover EMS workers while they are on the job. However, some providers may exclude certain types of coverage or limit the amount of coverage available. Be sure to check with your provider before starting a new policy.
Do EMS workers need to buy high-risk auto insurance?
No, EMS workers do not need to buy high-risk auto insurance. Many companies offer discounts specifically for EMS workers, so be sure to ask your provider if they have any special offers available.
What is an example of an EMS auto insurance policy?
An example of an EMS auto insurance policy is one that offers liability coverage for full-time employees of fire departments and emergency medical services providers. It may also provide accident forgiveness if you maintain a clean driving record over time.
What provider offers the best EMS auto insurance discounts?
The best EMS auto insurance discounts are offered by Farmers Insurance, AAA, and Nationwide. However, it’s always a good idea to compare rates from multiple providers in order to find the best deal.
Is there a discount code for EMS auto insurance discounts?
No, there is no specific discount code for EMS auto insurance discounts. However, many companies offer special discounts or packages specifically for EMS workers. Make sure to ask your provider if they have any offers available that could help you save money on your premiums.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
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.