As a nurse, your job is more than earning an income. You are a nurse. Your patients depend on you. Nurses and other medical professionals may be eligible for attractive discounts when it comes to auto insurance. Bankrate can help you find the right policy for you if you’re looking for auto insurance.
Nurses need car insurance
Auto insurance protects your finances against financial ruin if you are involved in an accident or your vehicle is damaged. A robust insurance policy may be a good idea for nurses who depend on their car to get to work. You should use any discounts that are available to you according to your profession in order not to strain your budget. CNA, LPN, APRN, APRN and RN auto insurance often costs less than what other professionals pay.
Car insurance for nurses: Nurse Discounts
Many insurance companies will offer discounts for advanced education. Some insurers may also offer discounts if you have proof of your employment as a nurse. Some insurance companies may offer affinity discounts for members of professional organizations. Although eligibility can vary by state, the following companies might be able offer lower rates for you depending on your occupation.
- Geico – Geico offers discounts to more than 800 organizations, such as the Association of Women’s Health and Obstetric and Neonatal Nurses, and many other medical organisations.
- Farmers: Certain professions can receive affinity discounts from Farmers. These discounts may be available to nurses, although they can vary from one state to the next.
- Nationwide – Members of the American Nurses Association receive discounts
- California Casualty – If you are a nurse or a registered nurse, and you are involved in an accident, or your vehicle is damaged or vandalized, California Casualty’s policy could allow you to get a $500 reduction in your monthly deductible.
- AAA – You might be eligible for a discount on your auto insurance through AAA if you’re a member or a representative of a professional organization. Requirements vary by location. AAA offers roadside assistance to healthcare professionals even if they are not members.
These insurers may offer discounts for nurses but they do not always have the lowest overall premium. Before you choose the best provider for you, you might still want to compare quotes from different insurance companies.
Nurses can get auto insurance
Like other drivers, nurses should ensure that their auto insurance policy covers them financially in the event of an accident. You will need to have at least the minimum coverage in your state, but you might also be interested in higher liability limits or additional protections.
These coverages may be worth adding to your policy.
- Collision coverage: This covers damage to your vehicle that results from colliding with another vehicle. Colliding with another vehicle is the most common scenario. However, collision coverage also covers damage caused by collisions with trees, poles, guardrails, or buildings.
- Comprehensive coverage: Often called “other-than-collision” coverage, this covers things like theft, vandalism, storm damage, fire damage and hitting an animal.
- Underinsured and uninsured motorist coverage. According to the Insurance Information Institute, an estimated 12.6% does not have car insurance. If you are injured or have been hit by someone without insurance, adding uninsured/underinsured motorist coverage could help cover your damages.
- Personal Injury Protection (PIP) or Medical Payments Coverage: It may be mandatory to have one or both of these coverages depending on where you live. These coverages cover your medical expenses and those of your passengers, regardless of who caused the accident. PIP goes one step further. It can cover lost wages, some expenses, and even payment for services that you are unable to perform while you heal from your injuries.
An insurance professional licensed can help you determine the right coverages for your particular situation.
How to get auto insurance for nurses at a discount
The top car insurance providers offer a range of auto insurance discount policyholders may be eligible for, including exclusive discounts for health workers. These savings tips can help you save money on your auto insurance.
Join a nursing organization
Members of nursing organizations such as the American Nurses Association may be eligible for discounts from insurance companies. The qualifications of qualifying organizations will vary depending on where you live, and the insurance company you choose. You can also check if your current membership includes discounts and special rates offered by insurance companies if you’re already a member.
Safe driving discounts available
Safe driving programs are offered by many insurance companies. These programs use an app or telematics device that monitors your driving habits. Avoiding risky driving habits like rapid acceleration and hard braking can help you earn a discount. Some programs monitor nighttime driving. These programs might not work for you if you work late shifts.
Bundle your policies
Multi-policy discounts are one of the best deals offered by car insurance companies. You could save quite a lot of money by insuring your auto policy with the exact same company that your condo, renters, or home insurance. Compare quotes — it may be cheaper to insure your auto and home with separate providers.
Questions frequently asked
Which insurance company is best for nurses?
Your individual needs and occupation will determine which insurance company is best for you. To find the lowest premium for the coverage that you need, it is helpful to compare quotes from several providers. It is also a good idea to compare the financial strength of each company, customer satisfaction scores and coverages.
What are the best car insurance discounts for nurses?
You may be eligible for a lower premium if you are a nurse. This is based on the occupation. A nursing degree or membership in a professional organization could help you save. These discounts are in addition to those that are open to all, regardless of occupation.
What is the cost of car insurance for nurses
Your driving record, credit score, location, age, type of car, coverages you select, and discounts you are eligible for will all impact your premium. The average annual cost for full coverage car insurance in the United States is $1,674.
