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CSE offers two auto insurance products in Arizona, one for civil servants and one for the general public. Both products feature quality coverage, low rates, and if the unfortunate happens the swift, reliable service of our Claims department.
Among the many features are:
- Special discounts for educators, firefighters, law enforcement professionals, and other qualifying groups (see definition of who is eligible below).
- Motor home and trailer coverage (available only in conjunction with a private passenger vehicle covered by the same policy).
- Stated Value Coverage which insures certain classes of vehicles (for example, highly customized yet street legal) for a specific dollar amount. Certain restrictions apply; your agent has the full details.
- Golf carts that are registered with the state for use on public roads.
- Antique automobile coverage.
- A discount for drivers who qualify under one or more of the following. While the exact amount of the discount depends on several factors, the percentages shown are the usual amount. Making these discounts all the better is that there is no limit on how many can be applied to a policy! Your agent can give you the full details.
Discount
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Your Savings Off The Regular Rates |
Multi-car
(two or more cars on same policy)
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23% |
Multi-policy
(Auto and Homeowners are both with CSE)
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14% |
Driver Training
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Varies |
Good Student
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10% or 20% depending on eligibility
(ask agent for details)
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Preferred Driver
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19% to 26% depending on eligibility
(ask agent for details)
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Daytime Running Lights
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2% |
Airbag
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Up to 10% |
Anti-Theft
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Up to 15% |
Occupational Discount
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5% or 10% (1) |
Homeowners Discount
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3% one-time discount available for new CSE Auto policyholders who have Homeowners coverage from a different carrier |
(1) All full-time or retired from full-time publicly employed full-time firefighters, law enforcement officers, and publicly or privately employed teachers plus professors qualify for the 10% discount*. Privately employed firefighters, accountants, actuaries, pharmacists, scientists, engineers, farmers, clergy and physical therapists qualify for the 5% discount.
Full-time is defined as working at least thirty hours per week on a permanent basis.
Government unit is defined as an entity which directly or indirectly receives its authority from federal, state, county, or local laws, or which by custom is associated with these units. A government unit may be:
- The executive, judicial, or legislative branch of the federal or a state government;
- One of the branches of the military including the National Guard;
- A federal independent agency such as the U.S. Postal Service;
- A county, municipal, or local government official.
Government employee is defined as any person who is principally employed on a permanent, full-time basis by a government unit (as defined above) in the public service or has retired from such employment. This definition includes:
Law enforcement officers are defined as:
- Police officers;
- Sheriffs;
- FBI agents;
- Secret Service agents;
- Officers of the Department of Homeland Security;
- Prison guards;
- Border Patrol Enforcement personnel;
- Other comparable positions whose duties are primarily the prevention and/or investigation of offenses against the criminal laws, apprehension and/or detention of individuals either suspected of, charged with, detained for, or convicted of offenses against the criminal laws;
- An employee engaged in the aforementioned activity who is transferred to a supervisory and/or administrative position;
- A probation or pretrial services officer.
* - The 10% discount for firefighters and law enforcement officers is available only on the Civil Service Employees Insurance Company product.
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