The words “cheap” and “insurance” really shouldn’t be used in the same sentence, especially when shopping around for the best car insurance rates for nurses. Because it’s so expensive, let’s go over some situations that have a considerable impact on car insurance prices, and come up with some ideas to shave a little off your next policy.
The make and model of vehicle you are seeking coverage for is one of the main factors when comparing cheap insurance for nurses. Vehicles with economical engines, a great safety record, or a positive history of liability claims will cost less to insure than fast, unsafe models.
The next list features auto insurance premiums for a selection of the cheapest automobiles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,923|
|Ford Escape XLS 4WD||$2,104|
|Honda CR-V EX 2WD||$2,114|
|Chevrolet Impala LS||$2,229|
|Ford F-150 XL Regular Cab 2WD||$2,270|
|Nissan Altima 2.5 4-Dr Sedan||$2,273|
|Toyota Camry LE||$2,280|
|Ford Explorer Eddie Bauer 2WD||$2,358|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$2,442|
|Chevrolet Silverado LS Extended Cab 2WD||$2,447|
|Honda Odyssey Touring||$2,442|
|GMC Sierra SLE Regular Cab 4WD||$2,450|
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in zip code location which can impact insurance rates considerably.
Looking at the rates, you can infer that vehicles like the Honda Accord, Ford Escape, and Honda CR-V are most likely going to be the more affordable vehicles to insure for health professionals.
For health professionals, one of the big components that are looked at to determine the amount you pay for auto insurance is where your car is garaged in Henderson. Areas with more people or even just a higher incidence of claims tend to have higher rates, whereas more rural areas benefit from lower coverage costs.
The information below rates the most expensive places in Nevada for nurses to purchase car insurance in. Henderson is ranked #8 with an annual premium of $1,697 for car insurance, which is approximately $141 per month.
|5||North Las Vegas||$1,900|
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Rate quotes are approximated as the specific geographic location can decrease or increase auto insurance rates greatly.
How careless driving impacts Henderson auto insurance rates
In a perfect world, the best way to snag low auto insurance prices in Henderson for health professionals is to be a good driver and not have accidents or get tickets. The chart below illustrates how speeding tickets and accident claims can drive up auto insurance rates for different categories of driver ages. The information is based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of car insurance per year with no accidents or violations is $1,650. Get written up for one speeding ticket and the average cost swells to $1,899, an increase of $249 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of auto insurance for nurses increases to an average of $4,140. That’s an increase of $2,490, or $208 per month, just for not maintaining a clean driving record!
Discount Henderson auto insurance
Insurers that sell policies for nurses may also provide special discounts that can lower rates by as much as 25% or more if you are eligible. Large auto insurance companies and their offered discounts can be found below.
- State Farm discounts include multiple autos, safe vehicle, good student, driver’s education, Drive Safe & Save, and anti-theft.
- Progressive may have discounts that include multi-policy, online signing, good student, online quote discount, continuous coverage, and multi-vehicle.
- Progressive offers discounts including good student, online signing, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
- MetLife may offer discounts for defensive driver, good driver, multi-policy, accident-free, good student, claim-free
- Farm Bureau offers premium reductions for multi-vehicle, good student, driver training, renewal discount, safe driver, and 55 and retired.
- GEICO offers discounts for air bags, five-year accident-free, military active duty, membership and employees, anti-lock brakes, anti-theft, and daytime running lights.
- SAFECO has discounts for anti-lock brakes, accident prevention training, homeowner, multi-car, teen safe driver, and teen safety rewards.
The information below illustrates the difference between insurance prices with and without discounts applied to the policy rates. The price estimates are based on a male driver, no violations or claims, Nevada state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, homeowner, accident-free, marriage, multiple vehicle, and vehicle safety discounts applied. In this example, theaverage amount saved on auto insurance for nurses is 28% or $359.
Why are you paying too much for Henderson car insurance?
Henderson auto insurance rates are calculated based on many things that may substantially change your annual premium. Simply getting older, buying a different vehicle, or getting a driving violation can produce rate changes that can cause some rates to be cheaper than before.
In addition, car insurance companies change rates as often as every quarter in order to be able to pay unexpected claims. Significantly higher losses may result in higher priced premiums, while lower claim expenses may cause cheaper Henderson car insurance rates.
For example, the bar chart below shows rates for the cheapest car insurance in Henderson, NV for a 40-year-old female driver with a clear driving record, no claims, and solid credit. Based on her current risk profile, Travelers quotes the best car insurance rates in Henderson at $1,454 annually. This is $120 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the remainder of the cheapest Henderson, NV auto insurance companies.
In this next rate comparison, we will give the driver from above a chargeable accident, a lower credit rating, and a speeding citation. Due to the fact that each insurance company has their own unique process for establishing rates, comparing insurance quotes most likely will result in a significantly different list of the cheapest Henderson car insurance companies as shown below.
GEICO now has the lowest price in Henderson, NV with USAA, Nationwide, Capital, and Safeco also having competitive pricing. This example demonstrates why consumers need to take the time to compare many different companies when trying to find the lowest insurance quotes for nurses. Insurance rates are impacted by many risk factors and can change substantially, so the best price a year ago may now be an over-priced policy.
If you like to get some help when shopping for cheaper insurance for nurses, the professional agents shown below can probably help you make a decision which coverages and limits you need. To locate a Henderson auto insurance agent near you, click the button following the list or click here to get price quotes now.
All Star Insurance Agency
10120 S. Eastern Ave, Suite 200 – Henderson, NV 89052 – (702) 660-6618
Leon Pearson Jr – State Farm Insurance Agent
1730 W Horizon Ridge Pkwy #110 – Henderson, NV 89012 – (702) 457-0306
Allstate Insurance: Michael Westra
205 N Stephanie St e – Henderson, NV 89074 – (702) 435-4211
GEICO Insurance Agent
19 S Stephanie St #190 – Henderson, NV 89012 – (702) 565-9198
State Farm: Carl Endorf
120 S Green Valley Pkwy #164 – Henderson, NV 89012 – (702) 834-7070
How to find the cheapest insurance for nurses
Here are many money-saving ideas that can help Henderson drivers buy cheap auto insurance.
- Do not get tickets or violations
- Prevent price hikes by avoiding at-fault accidents
- Increase deductibles to save money
- Full coverage is expensive so only insure older vehicles for liability only
- Better credit rating means better rates
- Safer vehicles cost less to insure
- Keep rates low by comparing prices once a year
The final tip is extremely crucial, as we emphasized in this piece. Car insurance prices in Henderson change a lot, so don’t be tentative to buy a policy from a new company if a cheaper price is available. Having brand loyalty is commendable, but is isn’t recommended if that stubbornness costs you money that could be going to better use. It takes less than five minutes to compare prices to find cheaper car insurance for nurses.