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Firefighters risk their lives to save people and property in emergencies, so it is only fitting that they should receive a discount from car insurers as a thank you for their bravery and dedication. Nationwide and Travelers offer special savings for full-time firefighters affiliated with local fire departments; on top of occupational discounts they often qualify for good driver, safe driver and multi-policy discounts as well.
Other companies, like COUNTRY Financial, California Casualty, Farmers and Liberty Mutual also provide car insurance discounts for full-time firemen, police officers, EMTs and paramedics. Although these first responder discounts vary based on availability and amount, it is best to speak directly to these insurers to learn about specific savings opportunities.
Car insurance costs depend on many variables, including your driving history, vehicle type and coverage needs. Insurance providers use various algorithms to assess risk for each policyholder and set premium rates accordingly. There are however a few simple steps first responders can take to save on auto insurance policies regardless of a potential occupational discount available to them.
Some ways to save on car insurance include decreasing annual mileage, decreasing drivers on your policy and shopping around for better rates; raising your deductible as part of this effort and bundling with other policies such as home or life, as well as taking advantage of behavior-based, loyalty and telematics-based discounts.