The vehicle model you are seeking coverage for is a large consideration when shopping around for cheap coverage for nurses. Vehicles with high performance, poor safety ratings, or a high likelihood of having liability claims will cost significantly more to insure than safer models. The information below outlines insurance prices for some of the more afforable vehicles to insure.
Make and Model | Estimated Cost for Full Coverage |
---|---|
Ford Escape XLT 4WD | $334 |
Hyundai Elantra GLS Touring Station Wagon | $375 |
Ford Edge Limited 2WD | $377 |
Chevrolet Equinox LS 2WD | $386 |
Ford Explorer Limited 2WD | $394 |
Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $402 |
Subaru Forester XT Limited Edition W/Navigation AWD | $398 |
Honda CR-V LX 2WD | $401 |
Toyota Camry SE | $409 |
Kia Optima LX | $411 |
Nissan Rogue S AWD | $420 |
Hyundai Tucson GLS 4WD | $416 |
Toyota Prius | $420 |
Chevrolet Traverse LT 2WD | $423 |
Honda Odyssey EX W/Rear Entertainment | $434 |
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in specific garaging location which can affect premium rates greatly.
Looking at the numbers, cars like the Ford Escape, Hyundai Elantra, Ford Edge, and Chevrolet Equinox are going to be a few of the more affordable vehicles to insure for health professionals.
Finding out which companies have the most affordable car insurance rates for nurses will involve a tad more effort in order to find a policy that fits your budget. Each insurer uses a little different formula for determining rates in each state, so to begin we’ll rank the car insurance companies that tend to have lower prices in Maine.
Find Cheaper Auto Insurance for Health Occupations
Rank | Company | Cost Per Year |
---|---|---|
1 | Travelers | $630 |
2 | USAA | $648 |
3 | Vermont Mutual | $693 |
4 | Patriot | $710 |
5 | Countryway Insurance | $713 |
6 | The Hartford | $742 |
7 | MetLife | $770 |
8 | Concord | $831 |
9 | OneBeacon | $859 |
10 | MMG Insurance | $914 |
11 | Progressive | $957 |
12 | State Farm | $981 |
13 | Peerless | $1,012 |
14 | Liberty Mutual | $1,125 |
15 | GEICO | $1,193 |
16 | Allstate | $1,279 |
17 | Bristol West | $1,702 |
18 | Sentry | $2,002 |
19 | Hanover | $2,089 |
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Travelers offers some of the lowest car insurance rates in Maine at around $630 each year. USAA, Vermont Mutual, Patriot, and Countryway Insurance also make the cut as some of the most economical Maine car insurance companies.
In the above rates, if you buy coverage from Vermont Mutual and switched to Travelers, you may see savings of in the neighborhood of $63. Drivers with Patriot may save as much as $80 a year, and Countryway Insurance insureds might reduce prices by as much as $83 a year.
Understand that those rates are averages for all ages of drivers and types of vehicles and do not factor in a rate decrease for nurses. So the insurer that fits you best may not even be featured in the rate chart shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-nurses-me.jpg" alt="Cheaper Maine car insurance for health professionals”/>Insurance companies that offer cheap quotes for nurses may additionally offer special discounts that can lower rates by as much as 25% or more if you qualify for them. Companies and the discounts they provide are detailed below.
Discount | Allstate | Progressive | State Farm | Geico | Farmers | Nationwide | Liberty Mutual |
---|---|---|---|---|---|---|---|
Multi-policy | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Multi-vehicle | No | Yes | Yes | Yes | Yes | Yes | Yes |
Anti-theft | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Anti-lock brakes | Yes | No | Yes | Yes | No | No | Yes |
Passive restraint | Yes | No | Yes | Yes | Yes | Yes | Yes |
Newer vehicle | Yes | No | Yes | No | Yes | Yes | No |
Eco-friendly vehicle | Yes | No | No | No | Yes | No | Yes |
No accidents | Yes | Yes | Yes | Yes | Yes | Yes | No |
Defensive driver | Yes | Yes | Yes | Yes | Yes | Yes | No |
Low miles | Yes | Yes | Yes | No | No | Yes | Yes |
Military | No | Yes | Yes | Yes | Yes | No | No |
Affinity/occupation | No | No | No | Yes | Yes | Yes | Yes |
Full payment | Yes | Yes | No | Yes | Yes | Yes | Yes |
Automatic payment | Yes | Yes | No | Yes | Yes | Yes | Yes |
Brand loyalty | No | Yes | Yes | No | Yes | Yes | No |
Early sign-up | Yes | No | No | No | Yes | Yes | No |
Good grades | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Student at college | Yes | Yes | Yes | No | Yes | Yes | Yes |
Own your home | No | Yes | No | No | Yes | No | No |
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The illustration below visualizes the comparison of auto insurance rates with and without discounts applied to the premium. The rate quotes are based on a male driver, no tickets, no at-fault accidents, Maine state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, multiple vehicle, marriage, homeowner, multiple policy, and safe-driver discounts applied. When taking advantage of discounts, the the average yearly reduction on car insurance for nurses is % or $.
google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2011,1451],[‘Age 30’, 1051,769],[‘Age 40’, 1039,759],[‘Age 50’, 949,691],[‘Age 60’, 915,667],[‘Age 70’, 1107,803]]);var options = {title: ‘Comparison of Insurance Rates for Nurses’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}
Buying coverage from the top car insurance company can be a challenge considering how many companies are available to choose from in Maine. The ranking information shown next may help you analyze which car insurance providers to look at when shopping insurance around for nurses. These ratings only include major nationwide insurance companies, so smaller companies that only insure vehicles in Maine are not factored into these rankings.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
The General | 96 | 100 | 92 | 91% | A- | 95 |
The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
USAA | 71 | 93 | 98 | 87% | A++ | 88 |
GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
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Data Source: Insure.com Best Car Insurance Companies