The make and model of vehicle you are seeking coverage for is one of the largest considerations that determines whether or not you can buy cheaper coverage for nurses. Vehicles with higher performance characteristics, poor safety ratings, or a track record of large liability claims will cost more to insure than more economical and safe models. The table below estimates insurance costs for a number of the more affordable vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,171|
|Ford F-150 XL Regular Cab 2WD||$1,214|
|Honda CR-V EX-L 4WD||$1,309|
|Ford Escape Limited 2WD||$1,346|
|Ford Focus SE 4-Dr Sedan||$1,359|
|Chevrolet Silverado LS Extended Cab 4WD||$1,385|
|Ford Edge SE 2WD||$1,401|
|Ford Explorer Eddie Bauer 4WD||$1,415|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,423|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,430|
|Nissan Rogue S 2WD||$1,486|
|Hyundai Sonata GLS 4-Dr Sedan||$1,494|
|Nissan Altima 2.5 4-Dr Sedan||$1,510|
|Chevrolet Impala LT||$1,516|
|Toyota RAV4 Limited 4WD||$1,549|
|Volkswagen Jetta S 4-Dr Sedan||$1,558|
|Kia Optima SX||$1,586|
|Toyota Camry Hybrid||$1,596|
|Dodge Grand Caravan Crew||$1,586|
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Information does not factor in specific zip code location which can affect coverage rates considerably.
Based upon these rates, models like the Honda Accord, Ford F-150, and Toyota Prius are likely to be some of the most economical vehicles to insure for health professionals.
Deciphering which insurers offer the lowest-priced insurance rates for nurses in California will involve more time in order to find the most economical policy.
Every insurance provider has a unique approach to establish rates, so we need to take a look at the most affordable insurance companies in California. It's important that readers know that California insurance rates are based on many factors that may substantially change the policy price. Simply turning a year older, buying a new vehicle, or getting a reckless driving citation can produce rate changes that may make certain companies affordable when they were higher priced.
Best Car Insurance Prices for Health Occupations
USAA offers some of the most affordable car insurance rates in California at around $1,121 a year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the best California insurance companies.
As depicted above, if you currently buy coverage from CSAA and switched to Wawanesa, you might realize a yearly price reduction of approximately $41. Policyholders with Nationwide may save as much as $93 a year, and 21st Century customers might lower prices by up to $222 a year.
These rates are averages for all drivers and vehicles in California and do not factor in a price decrease for nurses. So the insurer that is best suited for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
Responsible drivers pay cheaper California insurance rates
The easiest way to find the cheapest insurance rates in California for health professionals is to be a safe driver and avoid tickets and accidents. The illustration below demonstrates how speeding tickets and accidents raise insurance rates for different age groups. The rate quotes are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
The data above shows the average cost of car insurance in California per year with no accidents and a clean driving record is $1,418. Get two speeding tickets and the average cost surges to $2,003, an increase of $585 each year. Then add two accidents along with the two speeding tickets and the yearly cost of insurance for nurses in California increases to an average of $4,452. That's an increase of $3,034, or $253 per month, just for not maintaining a clean driving record!
The illustration below demonstrates how choosing different deductibles can change insurance costs when searching for cheap insurance for nurses in California. The information is based on a single female driver, full coverage, and no additional discounts are factored in.
The data above shows that a 50-year-old driver could reduce rates by $350 a year by changing from a $100 deductible to a $500 deductible, or save $530 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could roll back prices as much as $888 or more by using a higher deductible. When using a larger deductible, it is essential to have enough funds in savings to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
How to find the cheapest auto insurance for nurses in California
Here are some of the recommended thrifty suggestions that can help California drivers locate cheap coverage.
- Raise physical damage deductibles
- The safer your car, the less it costs to insure
- Tickets and violations raise rates
- Improve your credit rating
- Having at-fault accidents will increase rates
- Drop full coverage on older vehicles
- Check for cheaper rates once a year
The last suggestion is especially necessary, as we noted in this piece. Prices charged by companies can change in a short period of time, so you should be ready to buy from a new company if a more affordable rate is found. Staying with the same company for years is fine, but we do not recommend it if that stubbornness costs you a small fortune year after year. Now is a great time to compare rates and find cheaper insurance for nurses.