The words “cheap” and “auto insurance” really shouldn’t be used in the same sentence, specifically when you are looking for the cheapest coverage for nurses. Because it’s not cheap, let’s open your eyes to a few of the things that can significantly affect insurance prices, and come up with some ideas to take the bite out of your next policy.
Deciphering which insurers offer the cheapest auto insurance rates for nurses takes more work in order to find the lowest price quote. Every insurance provider uses a little different formula for determining rates, so to begin we’ll rank the auto insurance companies with the overall cheapest rates in Fresno, CA.
Best Insurance Companies for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,192 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | GEICO | $1,529 |
| 9 | Mercury | $1,533 |
| 10 | Allied | $1,556 |
| 11 | Progressive | $1,558 |
| 12 | Allstate | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $1,966 |
| Quote Your Rates Go | ||
USAA has some of the best car insurance rates in Fresno at around $1,155 annually. Wawanesa, CSAA, Century National, and Nationwide are also some of the most economical Fresno, CA insurance companies.
As the example above demonstrates, if you currently buy coverage from Century National and switched to USAA, you might realize an annual premium reduction of in the vicinity of $71. Drivers with Nationwide could save as much as $108 a year, and 21st Century insureds might reduce rates by $183 a year.
If you want to see how much you could save, click here to start a quote or quote rates from the companies below.
It’s important to note that these policy rates are averages for all drivers and vehicles in California and and are not figured with a specific location for nurses. So the insurer that fits you best may not even be in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver data and vehicle information.
The vehicle model you are insuring is one of the biggest factors that determines whether or not you can buy the most affordable coverage for nurses. Vehicles with lots of speed or power, a lack of safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The information below illustrates insurance premiums for a number of the cheapest vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $853 |
| Hyundai Elantra SE Touring Station Wagon | $926 |
| Honda CR-V EX 2WD | $930 |
| Ford F-150 STX Super Cab 4WD | $977 |
| Honda Accord EX-L 4-Dr Sedan | $1,011 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,018 |
| Ford Explorer Limited 4WD | $1,029 |
| Honda Civic VP 4-Dr Sedan | $1,043 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,063 |
| Toyota Prius | $1,070 |
| Chevrolet Impala LS | $1,075 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,084 |
| Chevrolet Equinox LS 2WD | $1,099 |
| Start a Quote Go | |
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in specific location which can influence premiums greatly.
Looking at the data, vehicles like the Ford Escape, Hyundai Elantra, and Honda CR-V are most likely going to be a few of the cheapest vehicles to insure for health professionals.
How accidents and tickets impact rates
The easiest method to score the most affordable auto insurance prices in California for health professionals is to drive safe and avoid accidents and traffic violations. The information below shows how speeding tickets and at-fault accidents can drive up insurance prices for each age group. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.
In the prior example, the average cost of car insurance in Fresno per year with a clean driving record and no accidents is $1,418. Get written up for one speeding ticket and the average cost swells to $1,657, an increase of $239 each year. Next add two accidents along with the one speeding ticket and the annual cost of auto insurance for nurses goes up to an average of $3,897. That’s an increase of $2,480, or $207 per month, just for not paying attention while driving!
The diagram below illustrates how choosing a deductible can change insurance costs when trying to find cheap insurance for nurses. The information is based on a married male driver, comp and collision included, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could cut expenses by $308 a year by changing from a $100 deductible up to a $500 deductible, or save $466 by using a $1,000 deductible. Younger drivers, like the Age 20 category, have the ability to save $1,026 every year by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it’s a good idea to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Why are you paying too much for car insurance?
California auto insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Simply turning a year older, moving to a new city, or getting into an accident can trigger price changes that may make certain companies more affordable than the competition. Not only may your situation change, but car insurance companies change prices at least once a year to adjust for heavy claims or excess profits. Higher than normal claims can result in additional price hikes, while a profitable period may cause lower-cost Fresno car insurance rates.
For example, the data below shows which companies have the cheapest car insurance in Fresno, CA for a 35-year-old female driver with a clear driving record, no claims, and solid credit. If we compare prices based on her current risk profile, USAA has the best car insurance rates in Fresno at $1,252 each year. This is $399 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA are also included in the most affordable Fresno, CA auto insurance companies.
Now we will give the driver from the first rate comparison a claim or two, slightly worse credit, and an imperfect driving record. Because every insurance company uses a different method to determining premium rates, analyzing rates may now show a completely different list of affordable Fresno car insurance companies as shown below.
Grange now has the cheapest price in Fresno, CA with Mercury, GEICO, Progressive, and Allstate also having competitive pricing. This example demonstrates why drivers need to perform an extensive rate comparison to get the most affordable car insurance rates for nurses. Car insurance prices can be determined by many things and change dramatically, so the lowest-price company when you last compared rates may now be one of the higher cost companies.