Employees of the government are highly desirable targets of most insurance companies.
Because of the stringent qualifications required for most jobs, including extensive background investigations performed as part of a security check, insurance companies presume that you will not have a criminal record, a bad credit report or even a questionable driving record. In short you are the prime example of the qualities that drive insurance rates down, which can qualify you for federal government discounts.
If you were to turn on a radio or TV today, chances are within a few minutes you would hear an insurance advertisement aimed squarely at a government employee. In fact, one of the largest national insurance carriers is named for that market segment and in 2013 devoted over 1.12 billion advertising its name. In fact, like the nose of its recent spokesman, Pinocchio, Geico’s advertising thrust keeps growing and growing.
The competition for market share fuels deep discounts for targeted areas. Not only are discounts available because of employment type, but associated discounts are also available. Many municipal, state or federal credit unions are offered association membership discounts. Even retired federal employees can qualify for these discounts.
Some of the government agencies or organizations that might allow you to qualify as a full time worker or even a part time work are:
- USPS (U.S. Postal Service)
- Military (Active, Reserve or Veterans)
- Air Force
- Coast Guard
- National Guard
- Judicial system, such as federal prosecutors and judges
- Federal Reserve
- Department of Agriculture
- Department of Commerce
- Department of Education
- Department of Health and Human Services
- Department of Interior
- Department of Transportation
- Department of Treasury
- FCC (Federal Communications Commission)
- Homeland Security
- National Security Council
- Elected Officials
- U.S. Border Patrol
- U.S. International Trade Commission
- Veterans Affairs
It makes sense to shop around for your insurance coverage. It is important to not only look at the basic price of insurance; you must also compare the coverage. While some national companies may offer you a very cheap insurance policy, you must make sure that it was not obtained by stripping important options from your policy. The last thing you want to find out after an accident was that by saving yourself one hundred dollars, you’ve sacrificed thousands of hard earned dollars in claim recovery.
Lower car insurance limits, might be okay for some, but as a person gains personal wealth, has higher earning potential, or has greater personal financial responsibilities, it may be appropriate to pay more for higher limits.
The best way to learn about ways to save on insurance is to educate yourself or contact an independent insurance agent. Only an independent agent can quote multiple insurance carriers allowing you to obtain the best quote for the right amount of coverage.
While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.