Star and Shield Insurance Services provides specialized car insurance policies for first responders and their families. With deep roots serving the public safety community, they offer tailored coverage and discounts to meet the needs of law enforcement, fire rescue, EMTs and more. This article will provide an in-depth look at Star and Shield’s car insurance options, available discounts, company background and customer reviews.
Overview of Star and Shield Car Insurance
Founded in 2009 and based in Tallahassee, Florida, Star and Shield Insurance Services focuses on delivering competitive insurance products and excellent service to first responders. They provide coverage options for:
- Law enforcement officers
- Corrections personnel
- Firefighters
- EMTs
- Emergency management workers
- Civilian support staff
- Sworn volunteers
- Retirees
Star and Shield agents have experience understanding first responders’ unique risks to craft customized auto insurance policies. Available coverages include:
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Bodily injury/property damage liability – Covers injuries or damage you cause others in an at-fault accident up to policy limits
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Collision – Repairs damage to your vehicle from an accident, regardless of fault
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Comprehensive – Covers damage to your car from incidents like theft, vandalism, fire or natural disasters
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Uninsured/underinsured motorist – Protects you if hit by a driver with no or insufficient insurance
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Medical payments – Pays medical bills for you and passengers injured in an accident, regardless of fault
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Rental reimbursement – Provides payments for a rental car while yours is in the shop after a covered claim
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Roadside assistance – Pays for towing, flat tire change, jump start, fuel delivery if stranded
In addition to standard auto policies, Star and Shield offers specialized “take-home car” coverage for personal use of vehicles provided by government agencies.
Discounts on Star and Shield Car Insurance
Star and Shield provides various car insurance discounts to lower premiums for eligible policyholders:
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Multi-policy – Bundled discount for insuring home or motorcycle with them too
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Multi-car – Insuring more than one vehicle on the same policy
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Safety features – Cars with anti-lock brakes, airbags or other safety tech
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Good driver – For drivers with clean records and no at-fault accidents
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Good student – Full-time high school or college students maintaining a B average or above
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Defensive driver – Drivers who complete an approved defensive driving course
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Public safety – For active or retired first responders and immediate family members
Ask a Star and Shield agent for full details on available car insurance discounts.
Star and Shield Company Background
Originally founded as the First Responder Insurance Company, Star and Shield rebranded while maintaining their focus on the public safety community. Their mission is to provide competitive insurance rates and excellent service to support and engage with first responders.
Key background details on Star and Shield Insurance:
- Specialize in serving first responders and their families/co-workers since 2009
- Rated A- “Excellent” financial strength by AM Best
- Headquartered in Tallahassee, FL with agents across the state
- Offer car, home, renters, motorcycle, boat and umbrella insurance
- Gives back through donations and support of first responder non-profits
In January 2020, Star and Shield Insurance Services was acquired by AssuredPartners, one of the fastest growing insurance brokerages in the U.S. The acquisition expands Star and Shield’s resources while letting them retain independence to serve customers.
Star and Shield Car Insurance Reviews
Star and Shield Insurance Services holds a 5.0 out of 5 star rating for car insurance based on Clearsurance customer reviews. Policyholders praise their excellent service and coverage tailored for first responders.
Here are examples of Star and Shield customer feedback on their auto insurance:
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“As a retired police officer, I get quality insurance that fits my needs.”
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“Rates were the lowest I found for comparable coverage.”
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“The staff is very friendly, patient and eager to answer any questions.”
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“Smooth process getting my custom policy set up.”
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“Claims have been handled quickly and fairly after accidents.”
Consider Star and Shield Insurance if you want experienced agents providing customized coverage and support to the first responder community. Reach out for a free quote today.
How to Get a Quote and Purchase a Policy
Here are the steps to get a car insurance quote from Star and Shield and purchase coverage:
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Contact Star and Shield – Call 1-800-620-2604 or request a quote online at www.starandshield.com.
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Provide details – Share information about your driving history, vehicle, desired coverage and more.
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Compare quotes – Your Star and Shield agent will provide a quote for comparison against other insurers.
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Choose your policy – Select desired coverages, limits and deductibles. Ask about discounts you may qualify for.
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Complete application – Fill out the full application form once ready to purchase coverage.
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Pay initial premium – Provide first payment to activate your policy upon approval.
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Review policy documents – Review your declarations page, endorsements and insurance card for accuracy.
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Enjoy coverage – Drive protected knowing you have specialized coverage through Star and Shield Insurance.
With concierge-level service tailored to first responders, Star and Shield takes pride in providing insurance designed around your unique needs. Reach out today to start a free quote.
The Bottom Line on Star and Shield Insurance
For customized car insurance policies designed for first responders, Star and Shield Insurance delivers tailored coverage, competitive rates and top-notch service. Key takeaways:
- Specialize in serving law enforcement, firefighters, EMTs and extended public safety community
- Provide auto insurance with all key coverages and specialized discounts
- Focus on understanding first responders’ unique risks and needs
- Founded in 2009 and located in Florida but write policies across the state
- Acquired by AssuredPartners in 2020 to expand resources while retaining independence
- Rated 5 out of 5 stars for auto insurance based on customer reviews
- Offers concierge-level customer service for an easy insurance experience
For specialized car insurance or to support an agency with deep first responder roots, Star and Shield Insurance is a top choice. Reach out today to learn more and request a free quote.