Discover Car Insurance Discounts for Nurses: Smart Saving!
As a nurse, you work hard to care for others. But when it comes to your own car insurance, you don’t have to work so hard to save money. In fact, there are a number of auto insurance discounts available to nurses that can help you lower your premiums.
In this blog post, we’ll take a look at some of the best car insurance discounts for nurses. We’ll also discuss how to find the best car insurance policy for your needs.
So whether you’re a new nurse or a seasoned veteran, read on to learn how you can save money on your car insurance.
How your job can affect your car insurance rates?
When you apply for car insurance, you’ll likely be asked to provide information about your job. This is because your occupation can be a factor in determining your insurance rates.
Insurance companies use a variety of factors to assess your risk as a driver, including your age, driving history, and the type of car you drive. Your occupation is also considered, because it can give an indication of how much you drive and how likely you are to be involved in an accident.
For example, people who work in occupations that require them to drive a lot, such as truck drivers and delivery drivers, are generally considered to be higher risk drivers. This is because they are more likely to be exposed to hazards on the road, such as fatigue and traffic congestion.
On the other hand, people who work in occupations that don’t require them to drive much, such as teachers and accountants, are generally considered to be lower risk drivers. This is because they are less likely to be exposed to hazards on the road.
If you have a job that is considered to be low risk, you may be eligible for a car insurance discount. The specific discounts that are available will vary from company to company, so it’s important to shop around and compare quotes.
Which are the best car insurance companies for nurses?
Below are some leading companies across the country to buy affordable auto insurance for nurses:
| Insurance Provider | Average Annual Premium ($) |
|---|---|
| Allstate | 2052 |
| Progressive | 1416 |
| Farmers | 1740 |
| State Farm | 1812 |
| GEICO | 1176 |
| Nationwide | 972 |
| USAA | 852 |
| Liberty Mutual | 1908 |
How much discount you can get with car insurance for Nurses ?
We understand the importance of getting cheap car insurance for nurses. Hence; we have created a list of companies that provide the best nurse car insurance discounts.
| Company With Nurse Discount | Location | Description |
|---|---|---|
| AAA | 21 States, including Washington, Oregon, California, Alaska, Arizona, Nevada, Idaho, Montana, Wyoming, Colorado, South Dakota, Kansas, Oklahoma, Indiana, Kentucky, Ohio, West Virginia, Virginia, Pennsylvania, New York, New Jersey and Connecticut | In 21 states, AAA offers vehicle insurance. You could be eligible for one of the affiliation-based discounts offered by AAA depending on where you live. The company works with various organizations, including the American Society of Registered Nurses. |
| California Casualty | Nationwide (including the District of Columbia) | Auto insurance is available from California Casualty in all 50 states as well as the District of Columbia. It offers nursing discounts, like as lower deductibles in the event that the insured car is struck or damaged within 500 feet of the establishment where the policyholder works. |
| Country Financial | 19 states, including Alabama, Alaska, Arizona, Colorado, Oregon, Georgia, Idaho, Illinois, Indiana, Iowa, Oklahoma, Kansas, Minnesota, Missouri, Nevada, North Dakota, Tennessee, Washington, and Wisconsin | EMTs, paramedics, police officers, and firemen who work full-time are all eligible for a profession-based discount from Country Financial. Discounts may be between 5% and 10%. |
| Farmers | Available in 38 states, including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Oregon, South Carolina, Ohio, Oklahoma, Pennsylvania, South Dakota, Tennessee, Texas, Utah, and Virginia, Washington, Wisconsin | Farmers offers affinity discounts to people in many professions. Eligible for this program are nurses. Policyholders who qualify may receive a 5% discount on their auto insurance. |
| Plymouth Rock Assurance | This is available in 6 States; Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania | In six states, Plymouth Rock Assurance provides auto insurance. In New Jersey, the company has a partnership with the State Nurses Association so that they can offer a special discount on auto insurance to members of the NJSNA. |
Other ways nurses can get discounts on auto insurance
Only a few of the ways nurses can reduce their insurance costs are profession-specific discounts and professional factors. Companies offer a range of discounts to nurses depending on different factors:
- Bundling policies: Nurses can save a lot of money if they have multiple policies and decide to combine them with the same insurance company.
- Vehicle safety features: Certain features such as airbags, an anti-theft system or anti-lock brakes might decrease your insurance prices.
- Pay in full: When a policy is fully paid upfront rather than on a monthly basis, insurance providers frequently offer discounts.
- Telematics: Almost every major insurer has a service that tracks your driving and may result in a discount. The programs have the potential to cut your premiums but almost never do.
- Good student: Full time nursing students just need good academic scores to get affordable insurance rates. They can get a discount of 6% to 36%.
- Defensive driving course: Completing a defensive driving course can make you eligible for some amazing car insurance discounts.
Frequently Asked Questions
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Which is the best car insurance company for nurses?
According to RateForce; State Farm is the best company for affordable car insurance for healthcare workers.
-
How much is car insurance for nurses?
On average the cost of nurses’ auto insurance is $1951 but there are multiple factors that affect the cost of an insurance policy. Hence it is always better to confirm with your insurance company.
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Which are the best car insurance discounts for nurses?
Below are some popular types for car insurance discounts:
1. Bundling insurance policy discount
2. Telematics discount
3. Advance payment discount
4. Driver education program
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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.
Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.
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