Best Car Insurance for Nurses

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What's the best car insurance for nurses?

If you’re a nurse, you understand that you’re an unsung hero of the medical industry. After working a 12-hour shift, you simply don't have the time or energy to shop around for car insurance. Let's be honest, it's pretty low on anyone's list of priorities, regardless of your job. Still, there are some profession-specific secrets you can learn in order to make sure you're getting the best rate as a nurse. Let's get to it.

Here are our keys points
  1. Which companies offer a discount to nurses?
  2. What are some other ways to save?
  3. Getting started

Companies that offer discounts to our nurses

We want to thank you for your tireless efforts to keep patients healthy and happy. Therefore, there are some financial benefits for becoming a nurse. Some companies offer discounts to nurses for a couple of reasons. In many cases, it is because insurance companies see those in the nursing field to be “low-risk” customers. Meaning, they are less likely to drive dangerously (and thus cause potential claim payouts) than others in different occupations.

Here are some companies that offer the discount:

Bear in mind, that these discounts aren’t guaranteed in every state, as insurance is at the mercy of state regulations. Moreover, your insurance company will usually require proof of your nursing profession. Sometimes that can be as simple as providing a hospital identification badge or your nursing degree.

What are the best ways to save as a nurse?

At the end of the day, the discount you might be eligible for as a nurse might not cut it. And, regardless of your profession, your prerogative with something as expensive as car insurance should always be to save money. In that regard, let’s explore some other ways to save on auto insurance outside of a profession discount.

Look to bundle your policies

If you have a renters or homeowners insurance policy, you can receive a discount if you group them with the same company. This discount is usually referred to as a multi-policy discount and can save you on both your auto and home policies!

Savings on Bundles

Savings with Renters Savings with Home
$73 $142

If, however, you don't have a renters policy but do in fact rent your dwelling, you should consider getting one. They're relatively inexpensive (most are under $200 a year) and can protect you and your assets in the event of a total loss or if you are found legally responsible for a covered claim. For more information on renters insurance, check out our suggestions here.

Change your payment plan

Insurance companies charge “installment fees” when you pay month-to-month. Usually, it has to do with the processing and other fees associated with your payment. You can eliminate these unnecessary fees in a couple of ways. One is by paying your entire premium up front. This discount, known as a paid in full discount, can save you an average of $61 per year versus if you pay month by month.

Savings Based on Method of Payment

Savings with Paid in Full Savings with EFT
$61 $27

Another way is to pay via your bank account. This is known as an EFT Discount and can save you an average of $27 per year. Keep in mind, however, that these amounts are just estimates. You should speak with your insurance company to see if your company offers more!

Consider Telematics

Telematics are the new emerging thing in the auto industry. Basically, using an in-car device, insurance companies track the way you drive in order to more percisely determine your premium. Here are some companies that have these programs as well as the potential savings. Consider, however, that your state might not participate in these programs, even if your company is listed below.

Company Estimated Savings
Progressive's SnapShot Average of $130
Allstate's Drivewise Average of 10-25%
State Farm's Drive Safe and Save Up to 15%
Esurance's DriveSense Varies
Nationwide's SmartRide Up to 40%
Liberty Mutual's RightTrack Average of 5-30%

Drive safely

As a nurse, you understand the damages of drinking and driving from a medical perspective. But from an insurance perspective, these mistakes can be exceedingly financially costly. On average, a DUI will cost you an average of $529 per 6 month policy period. Usually, this impact will stretch over 3 years — which means that $529 will actually cost you around 1500 bucks. So, if you’re hoping to keep your premium down, make sure you abide by all traffic laws.

Average Increase in Annual Premium in 2016

Accident/Violation 6 Month Premium Increase
Speeding 11 - 15 MPH Over Limit $141
Speeding 16 - 20 MPH Over Limit $153
Speeding 21 - 25 MPH Over Limit $165
At-Fault Accident $306
Reckless Driving $499
Racing $523
DUI $529

Play It Smart with Your Coverage

Unlike a home or fine wine, your car depreciates over time. So, if your car is totally paid off and not exactly brand new, you might consider changing your coverages to reflect that — i.e., your comprehensive and collision. These coverages protect your vehicle if it is damaged in an hit-and-run or at-fault accident.

No one can tell you that it's not worth your time to have comprehensive or collision. But, if your vehicle isn't valued at what you pay in premium every year for these coverages, you might want to reconsider.

Shop around

A nurse-specific discount isn't universal across the US or all companies and thus you shouldn’t rely only on that to save. The absolute best way to make sure you’re getting the best rate on auto insurance is to compare rates! Shop over 200 companies instantly with us at The Zebra.

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