Tuesday, April 16, 2024

Government Employee Car Insurance Discounts

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Are There Auto Insurance Discounts Available For Federal Employees

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Yes, there are some great auto insurance discounts available specifically for federal employees. In fact, some programs were originally founded to provide coverage for government workers. Providers offer these car insurance discounts to draw in the high number of drivers that serve as federal employees.

Many car insurance companies are willing to offer these discounts because government employees are not considered to be high-risk drivers. This means that the chances that a government employee will cause an at-fault accident are low. Fewer claims filed mean that car insurance companies can profit more from your policy.

Keep in mind that not every government employee is eligible for these discounts, though. Each car insurance company has a unique list of federal jobs that will qualify for special coverage.

Some common careers that are eligible for auto insurance for federal employees include federal law enforcement, healthcare workers, and military personnel.

Is Car Insurance For Federal Employees Any Different From Regular Car Insurance

The truth is that your car insurance requirements are based on where you live, not who you work for. This means that your insurance isnt going to be any different than it would be for anyone else.

You will still be required to carry certain minimum coverage on your vehicle. In addition, if you have financed your vehicle, you will have to purchase the same comprehensive and collision coverage required by your lender.

What you will find, however, is that auto insurance for federal employees comes with discounts, especially for those who serve in the military, so make sure you choose an insurance company that provides you with a discount.

In addition, you will find that some companies, like the GEICO Insurance Agency, offer extras for federal employees as well, like free federal leave record cards. In addition, GEICO supports raising money for federally funded organizations, is part of the CFC, and more.

Car Insurance For Federal Employees

Car insurance for federal employees will be the same as car insurance for any other occupation. However, there are many car insurance discounts available to federal employees, such as low mileage and no claims bonus.

  • There is not one specific company that is willing to focus on federal employees exclusively
  • Geico started out as a company just for federal employees, but they now offer insurance plans to almost everyone
  • A federal employee can get car insurance just like anyone else
  • As a federal employee, your coworkers or bosses may have some tips for you to find insurance plans that cater to your line of work
  • Always look for discounts

As a federal employee, you may be wondering if there is a special car insurance program for you. The answer to that isnt easy as it depends on where you live and what type of insurance can be sold in your state.

Which insurance company sells to federal employees? Is there a Progressive federal employee discount or a State Farm federal employee discount? What about a Geico federal employee discount?

Is Geico a government employee insurance company?

There are car insurance companies that sell insurance specifically to federal employees. Geico started out as a federal employee insurance company that provided every type of insurance imaginable.

While Geico has expanded, there are still companies that offer car insurance specifically to federal employees. For example, USAA car insurance is specifically for the U.S. military.

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Does Geico Offer Discounts For Government Employees

Geico was started by Leo Goodwin in 1936 to serve federal government employees. Goodwin targeted federal government employees because he felt that they posed a particular risk for accidents.

The company was located in the middle of Washington, D.C., where it remains today. Since the early days, Geico has now broadened its reach to include many other types of professions including:

  • teachers
  • salespeople
  • self-employed business owners

In other words, Geico now serves many other people in different industries but still offers good discounts for federal employees. To learn more about Geico, read our Geico car insurance review.

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Why Do Insurers Ask About Your Occupation

Government Employees Car Insurance Discounts in Ontario Canada ...

There are many reasons your occupation affects your car insurance rates. Some reasons are the amount you drive, the risk of your occupation, and the stress involved in your job.

Certain occupations mean youre more likely to be in an accident due to the nature of the job, like law enforcement. Other occupations are low-risk, such as accountants.

Telling Your Insurer When You Change Jobs

It is important to tell your insurer when you change jobs because your discounts may change. For example, if you go from a federal employee to working in the private sector, you may lose or gain a discount. Also, your perceived level of risk may be different.

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Vacation & Travel Discounts

Beaches Resorts: Canadian police officers, firefighters, and EMTs can get an extra 10% discount on select bookings at Beaches Resorts. Submit valid credentials online .

Best Western: Best Western offers a 10% discount on select hotels and resorts to Canadian first responders on official government duty. Bring valid service ID .

Choice Hotels: Choice Hotels offers discounted rates to Canadian firefighters, EMTs, police, and other government employees with valid ID .

Howard Johnson Hotels: Canadian first responders and other government employees are eligible for special rates at select Howard Johnson hotels. Contact 1-800-225-3297 or bring valid ID at check-in .

: The Marriott Hotel near Niagara Falls offers a special rate to Canadian first responders working for the government. Book online or call 1-800-618-9059 .

Sandals Resorts: All Canadian first responders are eligible for a 10% discount on select vacation packages from Beaches by Sandals. Apply online and provide valid proof of service .

Sandy Lane Resort: Sandy Lane Resort in Ontario offers discounts to Canadian first responders. Send an email to or call 705-489-2020 .

Vacations For Heroes: All Canadian first responders are eligible for travel package discounts at Vacations For Heroes. Call 1-866-994-4376 or send an email to i .

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How Do I Get Federal Government Car Insurance Discounts

Just say the magic word. Okay maybe its not that easybut close. Federal government car insurance discounts are a form of group discount, one of the simplest insurance discounts to get. And heres how you get it:

  • Ask around the water cooler: Youll have the best luck starting with your boss, union rep or HR department. Ask if theres a discount program with a particular insurance company. If yes, celebrate! Move directly to the next step. If not, take heart: You might still qualify. You get to go to the next step, too.
  • Have a heart-to-heart with an agent: If you know youll get a discount with a certain company, say that up front. If youre unsure or you know theres no special discount offered, ask them to look for you. Some companies may offer a general federal employee discount thats right in your wheelhouse.
  • Compare wisely: Your agent may provide you with a few quotes to choose from. If thats the case, dont automatically go for the cheapest optionmid-range options could offer more discounts and better coverage, also.

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Are There Car Insurance Discounts For Federal Employees

Federal jobs are not just for those enlisted in the military or elected into federal office positions. Instead, the United States employs civilians for jobs throughout the United States . The federal civil service is considered the U.S. civilian workforce, and they fill positions in government agencies and departments, including those in the White House.

According to the Office of Personnel Management, civilian workers totaled 2.79 million by December 2011 . That is a considerable number of employees under government payroll.

As a federal employee, you get plenty of on-the-job perks. Most federal jobs pay more than state or private companies, which is why they are highly sought after and competitive to get into. Furthermore, most companies offer discounts to federal workers, including civilians. You might get a discount on your cell phone bill, certain utilities, and even a gym membership.

One discount you might have overlooked is your car insurance.

Car insurance rates, depending on where you live, can take their toll on your monthly budget. Therefore, squeezing even a few dollars in savings out could be monumental in the long run.

Which Jobs Qualify You For Federal Employee Auto Insurance Discounts

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Every provider will define the limits of occupations that qualify for federal or government employee discounts.

Often, being a healthcare worker, local government official, federal or state worker, or even a teacher may qualify for a federal employee discount. You can sometimes also get a discount if you are a government contractor.

If you decide to go with GEICO, you should ask the representative if your career or job will qualify you for this discount.

There are many other insurance companies that offer various types of discounts. You just have to do a little homework and ask the right questions.

If you are filling out a form online, you may be asked what type of work you do. Be sure to answer this question honestly, and you may be given a chance to get a discount on your insurance near the end of the application process.

Being a federal employee can be difficult, but it comes with some perks too. For example, you might be wondering if government employees get discounts on flights? Or how much do federal employees pay for health insurance?

You will find there are a lot of perks to your job you may not have known about. Besides cheaper flights or health insurance rates, another big one is discounts on hotels.

You can search directly for lodging discounts for federal employees with FedRooms, or see if your hotel of choice offers a government rate when booking.

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Which Insurance Providers Offer Federal Employee Discounts

There arent any providers that solely offer auto insurance for federal employees. Instead, many of the mainstream insurance companies offer federal employee discounts. Military members are almost always eligible for these discounts. The other government careers that qualify for special rates vary by provider and state.

GEICO is one of the most well-known companies that offers federal employee discounts. In fact, the name GEICO itself actually stands for Government Employees Insurance Company.

While no company exclusively insures federal employees, USAA only works with active or retired members of the United States Armed Forces and their immediate family members. This focus and specificity allows the company to offer great rates and exemplary customer service.

USAA even offers usage-based plans, which are great for military members that are on active duty.

Serving Those Who Serve

Our founder, Jack Taylor, selected the name Enterprise as a salute to the WWII aircraft carrier he served on, the USS Enterprise. Today, the Enterprise name is synonymous with the leadership and vision of the business. From our presence on military bases, to supporting service men and women in the community, its our honor to go the extra mile for the people who go above and beyond for our country.

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What Are The Requirements For A Federal Employee Discount

Not every federal worker will qualify for a special federal employee discount or the competitive rates through select providers. Most federal employee car insurance discounts and special pricing offers are designed specifically for full-time, salaried or hourly workers.

In some cases, part-time workers may also qualify, but contract employees rarely qualify for savings in this way.

How Much Car Insurance Do I Need

Government Employee Car Insurance

You need to purchase at least enough auto insurance coverage to meet your state minimum requirements. While you need auto insurance to legally drive in most places, the bare minimum is typically not enough coverage to offer significant financial protection. Most insurance experts recommend that drivers carry higher liability limits if their budget allows, which offers greater financial protection if you are in an at-fault accident.

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What Are Federal Or Government Employees Discount Programs

Federal or government employees discount programs give discounts to federal or government employees. These programs give federal or government employees lower prices on goods and services.

Each program gives a percent off the retail price of hundreds of items across many industries. For example, a government employee can get 65% off tickets for sporting events. This is just one example of the great discounts given especially to government and federal employees just for doing their job.

Do You Have More Questions About Federal Employee Discounts

Geicos federal employee discount isnt the only available discount. There are some companies and services out there that give federal employee discounts, such as federal employee discounts for Dell products and federal employee discounts for HP and Microsoft Office products.

The questions in this section are commonly asked on search engines across the web. Weve brought them to you for your convenience.

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How Do I Know If A Carrier Offers A Government Employee Discount

To find out if a provider offers discounts applicable to government employees, be sure to review your options with a licensed insurance agent. They should be able to tell you right away if you qualify based on your employment. Another method is to compare multiple carriers and specifically look for their available discounts, either online or through their customer service hotline.

How Do Federal And Government Employees Take Advantage Of Discount Programs

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The best way to see if you qualify for a discount program is to ask your favorite store or restaurant if they offer discounts for government employees. The world wide web also is an excellent resource for finding government discount programs.

Entering the words government discount programs in a search engine will yield a long list of discount programs, especially for federal employees. Also, if you only are buying a single item, entering the name of the item, or name of the company that makes that item into a search engine lets you know if that item has a discount for government employees.

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Pet & Animal Care Discounts

All Pawz Inn: Canadian police officers and firefighters with valid ID can get a 5% discount on All Pawz Inn pet care services. Call 355-3666 to schedule an appointment .

VCA Canada Animal Hospital: RCMPs who are CFOne members can get their first general practice exam for free, plus 10% off goods and services at participating VCA Canada Animal Hospitals .

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Lowering Car Insurance Rates

There is a way to lowering car insurance rates car insurance quotes and even rental car insurance. EmployeeandMemberDiscounts.com offers a wide range of insurance discounts that can be applied to your personal insurance, or they may be available for rental cars. EmployeeandMemberDiscounts.com offers insurance discounts that you can actually use, and there is never a membership fee. We can even help you set up a discount program for your organization, allowing your members to save money and protect the financial future of your family. Whether you need first-time driver car insurance, car rental insurance, or your other types of auto coverage, you can find a discount on EmployeeandMemberDiscounts.com. We can even find you discounts if you have lapsed car insurance.

If you operate an organization or are looking for a way to save money on your own insurance, visit EmployeeandMemberDiscounts.com to learn more about what we have to offer. We can help you save money while still covering your vehicle, passengers, and other drivers on the road with a good insurance policy. This can provide you with financial peace-of-mind as you know you are covered should the unthinkable happen. Contact us by phone today, or you can fill out the easy online form to learn more about EmployeeandMemberDiscounts.com today. Our customer service experts are ready and willing to help you save as much as possible on your insurance coverage.

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Which Companies Offer Discounts For State Employees

Car insurance companies vary widely in terms of state government employee discounts. Some car insurance companies offer steep discounts to state government employees, while others only offer small discounts.

Car insurance companies can vary by state as well. A car insurance company might offer a state employee discount in one state, for example, but no discount in another state.

Major insurance companies that tend to offer discounts for state employees include all of the following:

  • Liberty Mutual
  • Travelers
  • Nationwide

GEICO tends to be one of the best car insurance companies for state and federal government employees. GEICO stands for Government Employees Insurance Company, and the company originally only accepted government employees.

So, is GIECO only for government employees?

Today, GEICO accepts policyholders from across the spectrum, although they continue to offer discounts to state and federal government employees.

Usaa: Best Military Provider

Government Employee Car Insurance

USAA earned the title of Best Military Provider. This well-known company provides coverage exclusive to retired and active members of the Armed Forces and their immediate relatives.

USAA is known for exceptional customer service and usage-based coverage options. Whether you need full coverage or basic liability insurance, USAA may be a great choice.

Unfortunately, USAA coverage is not available to non-military federal employees.

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Do I Need To Be A Member Of Any Military

You are not required to have a membership to any military-related association to take advantage of Enterprises military car rental discounts.

If you are a USAA member renting with Enterprise, you receive not only a member discount on everyday low rates, but also other special benefits. Find out more about rental information and discounts available for USAA members.

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