How Much Does Auto Insurance Cost for Nurses in Virginia?

Determining which companies offer the most affordable insurance rates for nurses involves a bit more work in order to find the best policy. Every auto insurer has their own process for determining rates, so we’ll take a look at the most affordable insurance companies in Virginia.

It’s important that readers know that Virginia insurance rates are calculated based on many things which can significantly increase or decrease the policy premium. Improving your credit rating, buying a home instead of renting, or getting a ticket for careless driving may generate price changes that can now make some companies cheaper than others.

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Travelers may offer some of the cheapest car insurance rates in Virginia at around $653 per year. USAA, Cincinnati Insurance, Penn National, and The Hartford are also some of the lowest-priced Virginia car insurance companies.

As shown in the rates above, if you currently have a policy with Cincinnati Insurance and switched to Travelers, you might achieve annual savings of about $80. Customers with Penn National may save as much as $95 a year, and The Hartford customers might see rate reductions of $124 a year.

To find out how much you can save, click here to begin a quote or click through to the companies below.

Remember that these prices are averages across all drivers and vehicles in Virginia and and are not calculated with a rate discount for nurses. So the company that has the lowest price for you may not even be included in the rate chart shown above. That emphasizes why you need to get car insurance quotes using your own driver information and specific vehicle type.

One of the more important considerations that insurance companies use to determine rate quotes is where your home is located in Virginia. Larger areas like Alexandria, Burke, and McLean tend to have higher rates, whereas areas with less crime or weather claims benefit from lower coverage costs.

The information below sorts the most expensive cities in Virginia for nurses to buy auto insurance in.

Premium amounts are comparative as the garaging address in Virginia can impact coverage prices noticeably.

The model of vehicle to be insured is a large factor when comparing the cheapest car insurance for nurses. Vehicles with high performance features, poor safety features, or a history of substantial liability claims will cost substantially more to insure than safer models. The next tables showcases car insurance rates for a number of the cheapest vehicles to insure in Virginia.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in specific Virginia garaging location which can impact auto insurance rates noticeably.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Information does not factor in Virginia location which can revise insurance rates significantly.

Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific Virginia garaging location which can lower or raise premium rates noticeably.

Choosing a good quality insurance company can be difficult considering how many choices you have in Virginia. The ranking information listed below can help you select which companies you want to consider purchasing a policy from.

These ratings only include companies that insure vehicles across America, so companies that may only write in Virginia are not included in these rankings. To compare rates from these top insurers and more, click here.

Top 10 Large Auto Insurance Companies in Virginia Ranked by A.M. Best Rating

1. Travelers – A++
2. State Farm – A++
3. GEICO – A++
4. USAA – A++
5. Esurance – A+
6. Nationwide – A+
7. Mercury Insurance – A+
8. The Hartford – A+
9. Progressive – A+
10. Allstate – A+

Top 10 Large Auto Insurance Companies in Virginia Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

How to find economical auto insurance for nurses

The list below summarizes some penny-pinching ideas that can help Virginia drivers quote cheaper car insurance.

• Do not get traffic violations
• Higher deductibles mean lower rates
• Pay lower rates with good credit
• Choose a safer vehicle and pay lower rates
• Avoid accidents
• Compare rate quotes often

The last tip is especially necessary, as we discussed in this piece. Prices charged by car insurance companies change frequently, so don’t be hesitant to switch carriers if a cheaper price is available.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that dedication is costing several hundred dollars every year. Take a few minutes and compare prices and find cheaper auto insurance for nurses.

Who has the cheapest insurance quotes for health professionals?

You have many ways to find affordable insurance in Virginia, but the most preferred are from a captive (or exclusive) agency such as State Farm or Liberty Mutual, an independent agent, or direct from companies such as Progressive or Geico.

They all have the same end result, but they differ in how they give price quotes.

Independent insurance agents can place your business with multiple companies and can do rate comparisons with every one. Independent agents can quote with many companies and provide multiple price quotes, which may provide you with a better chance of finding cheaper coverage. If a cheaper rate is found, you can get a different policy which requires no work on your part.

An exclusive ageny is only able to write with one insurance company, two of the more popular are an Auto-Owners or Allstate agent. This type of agents cannot shop your coverage around, so if their prices are high, they cannot shop around.

Buying insurance direct means you bypass an exlusive or independent agent and instead buy direct online or over the phone from a company like Progressive or Esurance. This option may be a decent choice consumers who do not need high levels of coverage and have knowledge of what coverages, limits, and deductibles they need.

So out of those three methods, which one works best for finding cheap auto insurance for nurses in Virginia? It would be obvious to point out buying from a direct car insurance company results in the cheapest rates since there is no middleman, but unfortunately, that is not the case. An argument could also be made that an independent agent guarantees the best prices because you have more choices, but again, that’s not accurate. For the right applicant, exclusive agents have price quotes that cannot be beaten by either independent or direct companies.

Since insurance prices are based on many different factors, really the best method to buy the cheapest policy is to get quotes and compare the rates. The ideal approach is to get prices from all three in order to have enough rates to compare. For a list of companies offering online discounts, click here to view.