Who Has Cheap Auto Insurance Quotes for Nurses in Florida?

Determining which company has the most affordable insurance rates for nurses may require a bit more work than just comparing a company or two.

Every auto insurer uses a different method to determine premium rates, so let’s look at the rankings for the lowest cost insurance companies in Florida. It’s a good idea to be aware that Florida insurance rates are determined by lots of factors that can increase the price you have to pay. Improving your credit score, buying higher coverage limits, or getting a ticket for running a stop sign may prompt premium changes that can make some companies affordable when they were higher priced.

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USAA normally has some of the best car insurance rates in Florida at around $957 annually. Electric, Amica, Progressive, and Travelers also qualify as some of the cheapest Florida car insurance companies.

As shown in the rates above, if you are a policyholder with Travelers and switched to Electric, you may realize an annual premium reduction of upwards of $123. Policyholders with Allied could save as much as $199 a year, and Mercury insureds might cut rates by $227 a year.

It’s important to note that these policy rates are averages for all ages of drivers and types of vehicles and are not factoring in a price discount for nurses. So the company that is best for you may not even be shown in the above list. That’s why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

For health professionals, one of the big considerations that is used by auto insurance companies to calculate a rate quote is where your residence is in Florida. Areas with more people like Hialeah, Miami Gardens, and Miramar tend to pay higher rates, whereas less populated areas receive better rates.

The information below shows the higher priced cities in Florida for nurses to buy an auto insurance policy in.

Price information shown is comparative as specific location information can affect auto insurance rates substantially.

How accidents and violations affect rates

The ideal way to receive the most affordable insurance premiums in Florida for health professionals is to pay attention while driving and not receive tickets or have accidents. The chart below demonstrates how citations and at-fault claims can influence insurance rates for different ages of insureds. The premiums are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

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In the previous example, the average cost of car insurance in Florida per year with no violations or accidents is $2,224. Factor in one speeding ticket and the average cost increases to $2,525, an increase of $301 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for nurses increases to an average of $3,367. That’s an increase of $1,143, or $95 per month, just for being a less-than-perfect driver!

Ideas for buying low-cost insurance for nurses

Below you’ll find some thrifty ideas that can help you locate cheaper coverage.

• Buy safe vehicles
• Buying home and auto together can help save money
• Do not file small claims
• Be a safe driver
• Avoid accidents
• Save money by only buying liability coverage for older vehicles
• Keep rates low by shopping around frequently

The last suggestion is very important, as was discussed in this piece. Auto insurance prices in Florida go up and down frequently, so don’t hesitate to buy from a new company if you find a better deal.

Sticking with a specific company is fine, but we do not recommend it if that dedication is costing hundreds every year. It takes less than five minutes to compare prices to find cheaper car insurance for nurses.