The Best Car Insurance in California for 2022 – Investopedia
California Casualty is the best auto insurer for nurses, teachers, firefighters, and other essential service providers, offering special rates and benefits unavailable to the general public.
Pros
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Low-cost tailored coverage for essential workers
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Bundling discount with homeowners or renters insurance
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Option to pay premiums as a payroll deduction
Frontline workers like educators and emergency responders are often underpaid despite providing essential services to the community. California Casualty seeks to help offset financial strain by lowering the cost of auto coverage for these professionals. When asking for quotes, we were offered basic coverage for just $51 per month and full coverage for $174 per month, about 30% below average rates.
As a further incentive, some employers may provide the option to pay your California Casualty premiums as a pre-tax payroll deduction. This applies not only to auto insurance but also homeowners and renters insurance, which can be bundled together at a discount.
California Casualty also offers a few specific coverages that can be particularly beneficial to certain professionals. For example, firefighters and police officers can elect firearms coverage and fallen hero survivor benefits. Nurses and teachers, on the other hand, may be eligible for deductible waivers.
Since California Casualty is a smaller insurance company, you won’t find advanced digital tools like a smartphone app, although web chat is available during limited hours. The company also has an extremely low tolerance for driving infractions such as speeding tickets and at-fault accidents. According to the quotes we were given, California Casualty more than doubles drivers’ premiums after two infractions in a three-year period.
