Cheap Car Insurance for Nurses in Texas

When shopping for cheaper insurance for health professionals, one of the many components that is looked at to determine the price you pay for insurance is where your car is garaged in Texas. Areas that are more densely populated or have higher claim rates like McAllen, Dallas, and Houston tend to pay more, whereas areas with less congestion have the benefit of cheaper auto insurance prices.

The table below ranks the more expensive cities in Texas for nurses to buy an auto insurance policy in.

Annual rates are estimated as the specific zip code location can change premiums greatly.

Comparing quotes for cost effective car insurance is not the easiest thing to do, and determining which companies offer the lowest-priced insurance rates for nurses will take even more diligence. Coverage prices could be somewhat less expensive than the state average attributed to the potential for fewer claims that goes along with selling insurance for health professionals. Cost-effective insurance should be easily found from many preferred companies.

Each auto insurance company has a proprietary formula for establishing rates, so let’s take a look at the insurance companies with the most affordable rates in Texas. Keep in mind that Texas insurance rates are influenced by many factors that control the price you pay for coverage. This price fluctuation is why it is so important to compare as many rates as possible to get the cheapest insurance quotes for nurses. Insurance prices are impacted by many things and can decrease or increase without notice, so the cheapest rate the last time you shopped around may now cost much more than other companies.

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Travelers has some of the cheapest car insurance rates in Texas at around $1,052 per year. USAA, Germania Mutual, Texas Farm Bureau, and Esurance would also make the list of some of the lowest-priced Texas insurance companies.

As illustrated above, if you are a policyholder with Esurance and switched to USAA, you could realize a yearly price reduction of about $270. Drivers with California Casualty could save as much as $301 a year, and Mercury policyholders might reduce prices by as much as $381 a year.

To find out how your current rates compare, click here to start a quote or quote rates from the companies below.

Be aware that those prices are averaged for all types of insureds and vehicles and do not factor in a price discount for nurses. So the car insurance company that has the cheapest price for you may not even be included in the chart above. That point stresses why you need to get car insurance quotes using your own individual information.

The example below demonstrates how choosing different deductibles can affect annual premium costs when quoting cheap insurance for nurses. The information is based on a married male driver, comp and collision included, and no discounts are taken into consideration.

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As shown above, a 40-year-old driver could cut expenses by $358 a year by switching from a $100 deductible up to a $500 deductible, or save $540 by using a $1,000 deductible. Even younger drivers, like the 20-year-old category, could roll back prices up to $1,206 each year just by using higher deductibles. When using a larger deductible, it is essential to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.