Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • If you are a member of a union, you may find that some car insurance companies offer discounted or special options for you
  • There are many different insurance providers, each of which may or may not offer these specials
  • It’s important to do some research before you choose the car insurance coverage for you; you may find that one provider can offer coverage that meets your needs better than any other provider
  • Make sure to mention your union member status when you are shopping around for coverage, as some companies will need to know this to provide you an accurate quote
  • You may also want to speak to your local union representatives, as they can provide you with guidance on which providers they use and which ones offer benefits to union members

Insurance providers that offer car insurance recognize the importance that unions play in modern society. Your union membership may afford you opportunities and discounts that others may not qualify for.

While the coverage that most union members need to carry is comparable to the coverage for non-union members, there are still considerations you need to make before choosing your insurance policy.

Compare car insurance options today by entering your zip code in our free rate comparison tool above.

Consider Your Rates and Coverage During a Strike

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As a union member, you may find that strikes or labor lockouts can cause a disruption in the following areas of your life:

  • your work
  • your income
  • even your car insurance

Car insurance providers often recognize the difficulties that union members can encounter during a strike or labor lockout. Your insurance policy may include conditions or riders that help protect you if one of these situations occur.

Your car insurance policy is a combination of policy terms, conditions, and coverage options.

Within your policy, your insurance provider may add in policy terms that protect you when a strike or lockout occurs, such as payment deferment options or continuation of coverage terms.

Your insurance provider may be willing to defer your payments and keep your coverage in place until an agreement is reached between your union and the company they are negotiating with

You do not have a right to deferred payments like some other rights protected by national labor relations. Be sure to check with your insurance carrier before this type of instance occurs; it may be too late to purchase this coverage once a strike or lockout occurs.

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Your Car Insurance and Young or Inexperienced Drivers

Purchasing car insurance as a union member can help you get additional perks, such as discounts or insurance education grants that can help reduce your risk and increase your knowledge.

When you are shopping around for car insurance, it’s important to see if they offer any discounts or benefits.

If you have teenage drivers on your policy, or even high-risk drivers, taking advantage of any discounts or opportunities to lower your premium is essential.

Some car insurance providers include benefits for policyholders that can help increase your knowledge, reduce your risk, and ultimately drop your premium rates.

Having younger, inexperienced drivers take driver education courses can help reduce the number of traffic citations, violations, or accidents they are involved in.

This decreased risk will also keep your premiums low or help reduce your premiums by maintaining a safe, accident-free driving record. Be sure to check with your potential insurance carrier before assuming your policy comes with this discount.

Conclusion

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It’s important to do your research before choosing the car insurance provider that will protect you and your investment.

Insurance for union members is often similar to the coverage that non-union members will carry, though there can be some considerations you need to make before finalizing your coverage choice.

As a member of a union, there is the potential that a strike could cause your income to be placed on hold or your work to be paused indefinitely.

Car insurance providers that work with unions often have provisions in the policy that can protect you in the event of a union strike or labor lockout.

This protection normally includes deferring payments and keeping your policy active until a resolution has been reached between the union and the company.

Additionally, your insurance company may offer driver education or safe driver grants for union members. These grants can be applied to taking student driver education courses or safe driver training courses.

These grants can help reduce your insurance premium or keep your premium from increasing when you have young, inexperienced, or high-risk drivers in your household.

Enter your zip code into our free rate comparison tool to find the insurance company that’s right for you.