The common man buys insurance to safeguard his interest in case there is an accident. When something unforeseen happens you are not caught off guard. He does not deliberately go out there and put his life on the line. However, there are people who do just that. They do so to save lives.
Insurance providers do not have the same kind of coverage and premium for all. A lot of things are taken into consideration before they decide on the premium. Gender, age, profession are some such things.
Some professions do not require the person to be on the road constantly while others do. People use their vehicles just to commute between home and office. There are others who are constantly on the road like delivery drivers, police officers and firefighters. The insurance needs of such drivers are very different from that of regular people.
Firefighters rush from one place to another and they are almost always responding to emergency calls. The more a driver is on the road, the greater his chance of being in and causing an accident. This is even more so for a firefighter who is on the road, in a rush to save lives as well as property. Sometimes they work for long hours and shifts and therefore the margin of error is also greater.
Actually they do come under high risk drivers for the insurance company. Conversely they are also considered safe drivers as they are trained to drive under a lot of pressure. Auto insurance for firefighters can however be availed at a discount because many of the insurance companies look at it as a profession that serves the community selflessly. Companies reward them with rates that are lower than for other people. Some insurance providers give discounts to certain occupational groups like policemen, teachers, doctors and firefighters for their service to the community. In certain cases the insurance company does not take deductibles for comprehensive and collision coverage.
Associations or groups of firefighters also shop around and try to get the best auto insurance for their member firefighters. As a group, the likelihood of getting a good deal increases. Some companies give them special rates specially negotiated for the firefighters. Numerous discounts are given like, accident-free, multi policy discounts etc. A lock in rate is also guaranteed for the whole year.
Some companies offer them unique coverage like for up to $500 for loss of personal property due to fire, collision or theft from their car. Such property could include mobile phones, safety equipment and their turnout gear. Coverage is also offered for total payoff of loan or lease in case the car is totaled. In case of towing required, unlimited service on the roadside to the nearest place of repair is given. Coverage is also provided for custom made vehicles including high performance motorcycles, boats, mobile homes etc. All this is provided by knowledgeable staff on a 24 hour basis with easy payment plans.
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