The words “bargain” and “insurance” really should not be used together, in particular when you are searching for the best insurance rates for nurses. In an attempt to save some money, let’s take a look at some of the factors the can have a considerable influence on car insurance prices, and find a way to take the sting out of the next policy you buy.
For health professionals, one of the more important factors that help determine the annual cost of car insurance is where you live in Plano. Cities with larger populations tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.
The information below sorts the most expensive areas in Texas for nurses to buy car insurance in. Plano makes the list at #21 with an annual rate of $1,576 on average, which is approximately $131 monthly.
|Rank||City||Premium Per Year|
|Find Cheaper Insurance Go|
Premium amounts are estimated as the specific geographic location can modify auto insurance rates substantially.
The car, truck, or SUV requiring insurance is probably the biggest factor when consumers are trying to find the best insurance for nurses. Vehicles with high performance engines, a lack of advanced safety features, or a history of substantial liability claims will cost quite a bit more to insure than more modest models.
The data below estimates auto insurance prices for some of the most budget-friendly vehicles to insure in Texas.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$868|
|Honda CR-V EX 2WD||$957|
|Honda Accord LX-P 4-Dr Sedan||$965|
|Hyundai Elantra GLS Touring Station Wagon||$957|
|Nissan Altima 2.5 4-Dr Sedan||$1,005|
|Honda Odyssey EX-L W/Navigation||$1,059|
|Chevrolet Malibu LTZ||$1,078|
|Chevrolet Equinox LT 2WD||$1,098|
|Toyota RAV4 4WD||$1,107|
|Volkswagen Jetta 2.0T Station Wagon||$1,113|
|Ford F-350 XLT Crew Cab Harley Edition 2WD||$1,117|
|Dodge Grand Caravan Crew||$1,121|
|Ford Focus SES 2-Dr Coupe||$1,130|
|Nissan Rogue SL AWD||$1,135|
|Toyota Tacoma Double Cab 4WD||$1,130|
|Hyundai Sonata SE 4-Dr Sedan||$1,139|
|Honda Civic LX 4-Dr Sedan||$1,140|
|Toyota Camry Hybrid||$1,148|
|Ford Explorer Eddie Bauer AWD||$1,157|
|Ford F-150 XLT Crew Cab 4WD||$1,162|
|Ford Edge Sport AWD||$1,161|
|Toyota Corolla S||$1,169|
|Compare Cheap Rates Go|
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease premium rates considerably.
Based upon the table data, we can expect makes and models like the Ford Escape, Honda CR-V, Honda Accord, and Hyundai Elantra will definitely be some of the less-costly vehicles to insure for health professionals.
Careless driving habits raise auto insurance rates
One of the best ways to maintain the best auto insurance premiums in Texas for health professionals is to drive safely and not receive tickets or have accidents. The diagram below shows how traffic citations and fender-benders can influence auto insurance rates for different age groups. The prices are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
In the prior example, the average cost of auto insurance in Texas per year with no accidents and a clean driving record is $1,380. Add in one speeding ticket and the average cost rises to $1,610, an increase of $230 each year. Now include one accident along with the one speeding ticket and the 12-month cost of auto insurance for nurses jumps again to an average of $2,243. That’s an increase of $863, or $72 per month, just for being a less-than-perfect driver!
Discount Plano car insurance rates
Insurers that offer coverage for nurses may additionally offer premium discounts that could potentially reduce rates by as much as 35% or more if you meet certain criteria. Large auto insurance companies and some of the discounts are shown below.
- 21st Century may have discounts that include 55 and older, automatic seat belts, early bird, theft prevention, defensive driver, and air bags.
- Progressive offers discounts including multi-vehicle, multi-policy, continuous coverage, homeowner, online signing, and online quote discount.
- State Farm may offer discounts for accident-free, good student, good driver, passive restraint, safe vehicle, and driver’s education.
- Nationwide offers discounts for business or organization, multi-policy, easy pay, family plan, and defensive driving.
- Esurance policyholders can earn discounts including homeowner, Switch & Save, safety device, defensive driver, and anti-theft.
- The Hartford offers premium reductions for good student, vehicle fuel type, bundle, anti-theft, driver training, and air bag.
The chart below compares premium costs with and without discounts applied to the policy premium. The data assumes a female driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, defensive driving course, multiple vehicle, anti-theft, homeowner, and marriage discounts applied. When drivers qualify for the discounts, theamount saved on auto insurance for nurses is 28% or $570.
Insuring your vehicle with the best auto insurance company can be challenging considering how many companies sell coverage in Texas. The company rank data shown next can help you select which auto insurance companies to look at putting your business with. The rankings below only include companies with a nationwide focus, so smaller companies will not be included in this list.
Top 10 Large Car Insurance Companies in Plano Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Top 10 Large Car Insurance Companies in Plano Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
How to find low-cost auto insurance for nurses
Below you’ll find a few thrifty solutions that can help Plano drivers find cheap coverage.
- At-fault accidents will increase rates
- Drive a car with a high safety rating
- Don’t have frequent claims
- Do not pay for full coverage if not needed
- Avoid getting tickets or violations
- Buying your home and auto policies from the same company can earn a discount
- Comparison shop at least every other year
The last tip in the list is particularly significant, as we emphasized in the prior information. Coverage prices in Plano change frequently, so drivers shouldn’t be resistant to switch companies if you find a cheaper price. Sticking with a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you big bucks every year. In just a few minutes you could compare prices to find cheaper auto insurance for nurses.
The agents below are willing to help you make a decision which insurance coverage will be best for you, as lots of people like to have professional advice when trying to find lower insurance rates for health professionals. It can be hard to find the best coverage yourself, so getting advice from a licensed Texas insurance agent can provide you satisfaction knowing your coverage gives you adequate coverage if you have an accident or claim. To locate a Plano insurance agent in your neighborhood, click the button at the bottom of the list.
- Allstate Insurance: Danny Wilson
5501 Independence Pkwy Ste 311 – Plano, TX 75023 – (972) 519-0936
- Choice Insurance LLC
5045 Bridge Creek Dr – Plano, TX 75093 – (469) 467-6379
- Tamara Murphy – State Farm Insurance Agent
4504 Legacy Dr #200 – Plano, TX 75024 – (972) 943-9555
- Kelly Cook – State Farm Insurance Agent
5068 W Plano Pkwy Ste 277 – Plano, TX 75093 – (972) 250-4700