Who Has Cheap Car Insurance Quotes for Nurses in Michigan?

When the topic is auto insurance, the words cheap or affordable really should not be used anywhere to describe car insurance prices. Forgive the oxymoron, but cheap auto insurance for nurses is not always easy to find. Don’t get your dauber down, because we will teach you how you can still get auto insurance that you are able to afford.

Deciding which insurers offer the cheapest auto insurance rates for nurses requires more time in order to find the most economical policy. Every car insurance company uses a little different formula for determining rates, so let’s look at the rankings for the auto insurance companies with the overall best prices in Michigan.

Keep in mind that Michigan auto insurance rates are impacted by many things that control the price of coverage. Simply getting older, getting married, or getting a DUI can cause premium changes that can now make some companies cheaper than competitors.

Cheap Insurance Rates for Health Occupations

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USAA has some of the best car insurance rates in Michigan at around $958 a year. GEICO, Safeco, MetLife, and Chubb are also some of the more affordable Michigan insurance companies.

As illustrated above, if you are insured with MetLife and switched to USAA, you may see annual savings of upwards of $392. Policyholders with Chubb could save as much as $414 a year, and MEEMIC insureds might reduce prices by as much as $450 a year.

To find cheap auto insurance for nurses in Michigan, click here to begin a quote or visit several of the following companies.

Understand that those premium estimates are averages for all drivers and vehicles in Michigan and do not factor in a rate decrease for nurses. So the company that fits you best may not even be included in the above list. That underscores the importance of why you need to compare as many prices as possible using your own individual information.

The type of vehicle needing coverage is one of the primary factors in finding economical insurance for nurses. Vehicles with lower acceleration and performance, an excellent safety record, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models.

The next table shows car insurance prices for some of the cheaper vehicles to buy coverage for.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in specific garaging location which can alter coverage prices noticeably.

Based upon these rates, makes and models like the Honda CR-V, Ford Escape, Honda Accord, and Dodge Grand Caravan will definitely be the cheaper vehicles to insure for health professionals.

The illustration below highlights how deductible selection can impact insurance costs when quoting cheap insurance for nurses. The premiums are based on a married male driver, full physical damage coverage, and no discounts are factored in.

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The chart above illustrates that a 40-year-old driver could save $668 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $1,010 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could shave as much as $2,244 every year by choosing a higher deductible. When choosing a higher deductible, it is important to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Which car insurance company is best?

When it comes to auto insurance for health professionals, probably the best companies to start with are Progressive, Allstate, State Farm, and Geico. They all have the same basic coverages, but each one has a slightly different set of options and discounts that may influence which company you choose. The next table compares and contrasts some of the ratings and options that may be available in Michigan.