Car insurance for nurses
Car insurance companies offer good discounts to nurses. If you are a nurse or working in the medical field then you can save an average of $20-25 on car insurance policy on six months car insurance premium. To get the cheapest car insurance for nurses you must compare the quotes from different car insurance providers and also check the available discounts on car insurance for nurses.
Car insurance discounts for nurses
Different car insurance companies provide different discounts to medical professionals and nurses. Average car insurance premiums for six months may be $500 if you qualify for USAA. Following are the average insurance rates by different car insurance companies:
- Allstate – $970 for six months
- Farmers – $790 for six months
- Geico – $580 for six months
- Liberty Mutual – $965 for six months
- Nationwide – $588 for six months
- Progressive – $770 for six months
- State farm – $800 for six months
- USSA – $500 for six months
Car insurance discounts based on the occupation
Car insurance companies find nurses less risky so they offer discounts to them on car insurance policies. Insurers may charge $20-25 less from nurses from other professions for car insurance.
- Proprietor – $742 for six months
- Civil Servant – $740 for six months
- Unemployed – $ 739 for six months
- Manager – $735 for six months
- Teacher – $725 for six months
- Law enforcement- $725 for six months
- Fire Fighter – $723 for six months
- Scientist – $710 for six months
- Nurses – $720 for six months
- Lawyer – $710 for six months
- Engineer – $710 for six months
- Military – $700 for six months
- Others – $740 for six months
Car insurance providers that offer insurance discounts for nurses:
Following are some car insurance companies that provide car insurance discounts to nurses and medical professionals:
- Nationwide
- Farmers
- AAA
- The Hartford
- California Casualty
Insurers ask for proof such as nursing degree, hospital identification badge, etc. to provide car insurance discounts.
Best ways to save on car insurance as a nurse?
Following are the best ways to get discounts on car insurance for nurses:
Bundle your policies
By bundling insurance policies you can get good discounts on the car insurance policy. If you have a home insurance policy or health insurance policy or renters insurance policy then you can receive good discounts by purchasing car insurance policy from the same insurance company.
This is a method to save the cost of car insurance. You may save up to $200 yearly on car insurance premiums.
Consider telematics
You can get discounts on car insurance policies by installing telematics devices in your cars. These devices are used to track the way you drive your vehicle. Car insurance companies provide telematics-powered insurance discounts. This type of insurance discount is available in some states in the USA. These discounts vary from company to company.
| Name of the company | Estimated discounts or savings |
| Allstate Drivewise | Average of 10-20% |
| State Farm Drive Safe and Save | Average of 10-15% |
| Nationwide SmartRide | Upto 30% |
| Liberty Mutual RightTrack | Average of 5-25% |
| Progressive SnapShot | Average of $120 |
Choose your coverage carefully
The value of your car decreases over time so you must choose your insurance coverage carefully. If you select the comprehensive coverage and collision coverage in your car insurance policy then you can cover your physical damages whether it is not mandatory to purchase by law.
You need to calculate the actual value of your car. If the actual value of your car is more than $4000 then you must purchase the physical damages protection coverage for your car. You can reduce your car insurance cost by raising deductibles.
Avoid claims
If the accident is very minor and if the blemish can be fixed for cost less than the deductible, you can pay the cost from your pocket and avoid filing a claim. Car insurance companies analyze the past 3-4 years record of your claims while calculating the car insurance premium. Following are the tips to handle the insurance if you had an accident:
- You must calculate the damages caused due to an accident.
- You can compare the car insurance quotes from different insurance companies which defines how much your car insurance premium will increase after an accident.
- If your damages are very less as compared to the coverage limit of your insurance policy then it is not wise to file a claim. It just increases your car insurance premiums.
Always inform your car insurance agent about the accident but it can also increase your car insurance cost. So it is a good time to purchase car insurance from another car insurance provider if your existing insurance provider raises your car insurance premiums.
Shop around
Not all insurance companies in the USA, provide discounts on car insurance for nurses. Also, discounts on car insurance policies for nurses vary from state to state. To get the best car insurance for nurses you should check and compare the insurance quotes from different car insurance providers. By comparing their services and car insurance premiums you can select the cheapest car insurance for nurses.
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