How Much are Plano Auto Insurance Quotes for Nurses?

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.

How much is car insurance in Plano?
Rank City Premium Per Year
1 McAllen $1,996
2 Dallas $1,911
3 Houston $1,909
4 Brownsville $1,870
5 Laredo $1,851
6 Amarillo $1,840
7 Mesquite $1,807
8 Garland $1,796
9 Irving $1,772
10 Grand Prairie $1,740
11 Pasadena $1,740
12 San Antonio $1,739
13 Lubbock $1,716
14 Beaumont $1,702
15 Austin $1,676
16 Carrollton $1,664
17 Arlington $1,658
18 Fort Worth $1,604
19 Corpus Christi $1,588
20 El Paso $1,584
21 Plano $1,576
22 McKinney $1,561
23 Waco $1,522
24 Abilene $1,499
25 Killeen $1,488
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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.

Cheapest Vehicles to Insure in Plano, TX
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
Toyota Prius $1,061
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
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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

Save on auto insurance for health professionals in PlanoInsurers 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.

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

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Large Car Insurance Companies in Plano Ranked by Claims Service

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

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.

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