You have probably watched the captivating commercials from companies like GEICO, The General, and Progressive that say if you switch you'll get the cheapest price. So drivers should just pick one at random, right?
Regrettably, it's not quite that easy, as there are a whole bunch of unknown aspects like the crime level of your neighborhood, whether you are male or female, and the amount of liability coverage you want. This article will detail the best ways to find cheap auto insurance and will hopefully give you a jump start in finding the best auto insurance for health occupations.
The vehicle on the policy is one of the primary factors when trying to find affordable insurance for nurses. Vehicles with average performance, a plethora of safety features, or a track record of few liability claims will cost less to insure than fast, unsafe models. The next list ranks coverage costs for a selection of the most cost-effective automobiles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$660|
|Ford F-150 FX2 Super Cab 2WD||$739|
|Hyundai Elantra GLS Touring Station Wagon||$756|
|Honda CR-V LX 2WD||$763|
|Chevrolet Impala LS||$765|
|Chevrolet Malibu LS||$780|
|Toyota Camry LE||$787|
|Nissan Altima 2.5 4-Dr Sedan||$780|
|Honda Accord EX 4-Dr Sedan||$810|
|Chevrolet Silverado LS Extended Cab 2WD||$839|
|Dodge Ram 3500 Crew Cab ST 2WD||$867|
|Ford Edge SEL AWD||$880|
|Honda Odyssey EX||$887|
|Volkswagen Jetta S 2.5 Station Wagon||$880|
|GMC Sierra 2500HD SLE Regular Cab 2WD||$894|
|Ford Fusion S 4-Dr Sedan||$896|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$911|
|Dodge Ram Crew Cab TRX 4WD||$921|
|Dodge Grand Caravan Hero||$957|
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in Nevada location which can raise or lower rates substantially.
Based upon the table data, you can presume that vehicles like the Ford Escape, Ford F-150, and Hyundai Elantra are a few of the most affordable vehicles to insure for health professionals.
Finding dependable, low-cost car insurance is not the easiest thing to accomplish, and figuring out which companies have the cheapest auto insurance rates for nurses in Nevada calls for a little more work. Insurance premiums should be moderately cheaper than the average policy in Nevada due to the potential for fewer claims that goes along with offering insurance for health professionals. Competitively-priced coverage should be attainable from a lot of good insurance companies. Each insurance company uses a little different formula to determine premium rates, so we'll go over the lowest cost auto insurance companies in Nevada.
It's a good idea to know that Nevada auto insurance rates are impacted by many factors that may substantially change the price you have to pay. That is why it is crucial to compare rates when trying to get the most budget-friendly auto insurance rates for nurses. Insurance prices are made up of many risk factors and can decrease or increase without notice, so the cheapest company three years ago may now be costing you a lot of money.
Best Cheap Insurance Rates for Health Occupations
Allied quotes some of the most affordable car insurance rates in Nevada at around $911 annually. This is $663 less than the average rate paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family would also make the list of some of the most economical Nevada car insurance companies.
As the example above demonstrates, if you buy coverage from Capital and switched to Allied, you could see an annual premium reduction of about $77. Drivers with Oregon Mutual could save as much as $282 a year, and American Family policyholders might lower prices by $307 a year.
Bear in mind that those rates are averages across all types of drivers and the different vehicles they drive and and are not figured with a price discount for nurses. So the car insurance company that fits you best may not even be in the top 20 companies in the list above. That emphasizes why you need to compare prices as often as possible using your own specific driver and vehicle information.
Auto insurance companies ranked
Ending up with a highly-rated insurer can be a challenge considering how many choices there are in Nevada. The rank data displayed below can help you choose which coverage providers to look at when comparing insurance rates for nurses. The ratings below are only comprised of the companies with a significant amount of written premium nationwide, so companies without a large exposure are not factored into these rankings.
Top 10 Major Auto Insurers in Nevada Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- GEICO - A++
- State Farm - A++
- The Hartford - A+
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Titan Insurance - A+
Tickets and at-fault accidents raise rates
In a perfect world, the best way to receive affordable auto insurance prices for health professionals is to be a good driver and not have accidents or get tickets. The information below demonstrates how speeding tickets and at-fault fender-benders can influence auto insurance rates for each age group. The price estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
In the chart above, the average cost of auto insurance in Nevada per year with no accidents or violations is $2,165. Receive one speeding ticket and the average cost surges to $2,440, an increase of $274 each year. Then include one accident along with the one speeding ticket and the annual cost of auto insurance for nurses in Nevada increases to an average of $3,218. That's an increase of $1,053, or $88 per month, just for not driving responsibly!
Chances are good that you're overpaying for Nevada car insurance
Nevada auto insurance rates are influenced by many factors which can substantially change the price you pay for coverage. Improving your credit score, getting divorced, or getting a few speeding tickets may generate price changes that can make some companies more affordable than the competition.
Not only that, but insurers file new Nevada auto insurance rates as often as every three months as an adjustment for underwriting gains or losses. Significantly higher claims can cause high rates, while long-term profits may cause cheaper Nevada car insurance rates.
For example, the chart below shows which companies have the cheapest car insurance in Nevada for a 40-year-old male driver with no accidents, a clean driving record, and good financial standing. When quoting prices based on his current risk profile, Travelers may have the lowest car insurance rates in Nevada at $903 each year. This is $671 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family also make the list of the cheapest Nevada auto insurance companies.
In the next rate comparison, we'll give the driver in the first chart a chargeable accident, a lower credit score, and a speeding ticket. Because every insurance company has their own guidelines for filing rates in each state, comparing insurance quotes may now show a significantly different list of the cheapest companies as shown below.
Progressive now has the lowest car insurance rate in Nevada with Allied, USAA, Nationwide, and Safeco now being in the top five. This example demonstrates why it is critical to compare as many rates as possible to find the most economical car insurance quotes for nurses. Insurance rates are influenced by many risk factors and change dramatically, so the cheapest rate three years ago may now cost much more than other companies.