Car Insurance for Nurses

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Things to remember...
  • If you’re looking for auto insurance, try and find a carrier that offers affinity programs just for nurses
  • As a member of the American Nurses Association, you may qualify for group insurance rates as a member benefit
  • Address your unique auto insurance needs as a professional in the healthcare field when you’re buying coverage
  • Some carriers offer special benefits like reduced deductibles for claims that occur while at a health facility
  • Take advantage of an occupational discount that will help drive your premiums down for being a licensed nurse

If you’re choosing to own a car, you’re accepting the fact that it’s your responsibility to insure it. Many expenses in life are avoidable, but auto insurance is one that’s not.

Not only is it important to buy protection that helps drivers pick up the pieces after a loss, states have deemed that basic car insurance is mandatory.

Depending on your income, your vehicle type, and your risk class, insurance expenses could range from minimal to exorbitant. Luckily, all of the carriers in the market are competing for the same business.

If you’re a nurse, you may qualify for some of the many insurance discounts available today. Find out how working to keep your community healthy and active could translate into insurance savings.

Compare car insurance quotes today to find the best rates available to you.

What does the American Nursing Association have to do with auto insurance?

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Both nursing students and professional licensed nurses have the option to join the American Nursing Association (ANA).

This organization plays a huge role in advancing the nursing profession by helping registered nurses stay skilled in their profession and ethical in their choices. Being a member of the ANA offers huge benefits.

You might think that all of the ANA membership benefits involve nurse training and current advances in field research, but that’s not all you’ll enjoy. If you’re a professional member, you’ll get discounts from organizational affiliates that work close with the organization.

There are car insurers affiliates that offer benefits like special group rates.

What are group rates and affinity programs?

When a carrier charges a client a group insurance rate, your rates are calculated by looking at the risk of not just you, but of the people who fall into the group.

As a nurse and member of the ANA, insurers will offer you discounts because members tend to fall in a better risk class.

Not everyone is eligible for group rates. Many people think that they only time they can get a group rate is when they’re buying employed-sponsored health insurance coverage, but that’s not always the case.

There are other ways to qualify for lower group insurance rates when you’re buying car insurance as long as the carrier has an affinity program.

Only some companies have an affinity sales structure where they will sell insurance to a specific group or professional organization. If you’re a nurse and you’re a member of the ANA, you’ll have to identify which companies currently have nursing affinity programs.

Some of them include:

  • Nationwide
  • California Casualty
  • AAA

You don’t have to get personal insurance through a company with an affinity program for nurses to find discounts. You also don’t have to be a member of the ANA. There are companies that offer occupational discounts to nurses just because of the profession they have chosen.

How are my occupation and my insurance rates related?

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Occupation discounts are separate from affinity discounts because the carrier doesn’t have to be affiliated with a group association or organization to offer the special discounts to their customers.

For some, it seems a bit odd that their choice of occupation would have a direct relation to insurance rates. To fully understand why, you need to know how occupation affects risk.

Insurers always use risk factors when they are determining how much a term of coverage will cost for a specific carrier. That’s why you fall into a risk class.

Risk is a stronger variant based on your demographic and claims trends in the group. One demographic that’s considered is the driver’s occupation.

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How do nurses compare to other drivers?

There are so many demographics considered when your personal rates are being calculated. If you’re a nurse, you’ll fall into this specific class and given the same occupation-specific rating as other nurses.

Some professionals pay more because of their occupation-specific rating, others will wind up receiving a discount.

What determines if you’ll get a favorable or unfavorable occupation rating depends on how drivers in your risk class drive as a group. If you drive in stressful conditions or work long hours, you’d think you’d pay a higher rate.

Typically this is true, but it’s the opposite for nurses. Because nurses see so much tragedy, they tend to make better decisions while driving. Claims data shows nurses are actually safer drivers than doctors.

How does where you work affect your insurance rates?

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Once you’re ready to get quotes for insurance you’ll be equipped with the information that you need to identify which carriers will give nurses either affinity rates or occupational discounts.

There’s no way to assess the cost of insurance for you, your family, and your cars until you get quotes.

You can start by filling in basic information to find out where you’re getting sizable discounts. Every insurance company has its own set of rates.

Some carriers want to insure professionals in the healthcare field and others are targeting a different demographic. When you comparison shop, you can see which carrier is priced to offer car insurance to nurses.

It’s great to take advantage of the savings that are being passed on to you for your role in the community, but there are other indirect ways that being a nurse can affect your personal car insurance rates.

One factor that has a not-so-obvious affect on your policy premium is where you work.

The insurance company won’t ask you if you work in a hospital, a doctor’s office, or a clinic, but they will ask you how far you drive to and from work.

If your home is miles and miles from the facility that you’re nursing in, you’re going to pay a higher premium than a nurse who lives a few blocks away. That’s because rates are dependent on the distance of your commute.

What if you carpool to the facility?

If you’re not commuting to and from work, you don’t have to worry about a long commute to the hospital affecting your rates. Some nurses live on the outskirts of the city or in the suburbs even though they work in the city where demands and salaries are higher.

If you fall into this category of suburban-living nurses, you can still keep your premiums low by carpooling or taking the bus to work. You could even use a ride-sharing service to get to work.

As long as you’re not commuting in your own car, you’ll qualify for a pleasure rating that keeps your rate very low.

Does it matter how many miles you drive in your free time?

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If you’re driving around town or across the country during your free time, you’re still going to be exposed to potential accidents.

Mileage is a universal rating factor that’s used by all carriers selling car insurance. It’s statistically proven that your probability of having an accident goes up as your annual mileage goes up.

It’s not just the miles you put on your car driving to and from work that is considered, it’s the pleasure miles, too. If you drive more than the 12,000 miles per year average, you could pay high rates.

Can you save money if you manage your mileage?

If you feel like you’re going to drive less than the average person, regardless of where they work, you should get a quote estimating a low annual mileage. Many carriers will give their clients discounts just for driving under 5,000 miles every year.

Some carriers have a restriction of 3,000 miles per year.

Considering that’s an average of about 415 miles each month, you’d really have to manage your driving to get this low-mileage discount. If you feel like you’ll still qualify for the saving, ask your carrier to read your odometer reading and change your mileage rating.

Your mileage will be noted at your next renewal.

Does where you live impact your rates?

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Rates are approved by the state insurance department. Some states have higher averages than others. Not only can rates vary by state, they also vary by your zip code. That’s because the rate of claims is higher than the rate in others.

A lot of different factors can affect whether there’s a high rating in your zip code. These factors include:

  • The population of residents in the zip code
  • The car-to-resident ratio
  • The rate of uninsured drivers in the zip code
  • How often claims are filed in the zip code
  • How much the average claim is settled for in the zip code
  • The average value of cars in the area
  • The climate in the area
  • The motor vehicle theft and property damage crime rate in the area

What happens to your insurance if you become a traveling nurse?

More and more hospitals are hiring travel nurses because there’s a shortage of trained and skilled professionals in different areas of the country. There are a lot of advantages to working as a travel nurse if you’re afforded the freedom to travel as you earn.

Not only do you get a decent wage as a traveling nurse, you can discover different areas of the country all while the contracting hospital pays for your living expenses and your relocation.

You’ll have a lot of arrangements to make and one that you can’t forget is to update your insurance.

Relocating out of the state for a few months won’t create a need to change your insurance to the new state as long as you’re keeping your car registered in the same state. You should still brush up on insurance laws to determine if you need to add coverage.

If you buy a car in the state you’re contracted to work in, you’ll have to satisfy the state’s insurance laws. When moving back, you may have to change your registration and also your insurance.

Be sure to negotiate transportation expenses as part of your compensation plan when you’re working with a traveling nurses agency.

Look for Insurers With Special Types of Nurse Coverage

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Favorable rates are one thing, but you want to be sure that the carrier you’re going to pay from term to term is going to settle any claims that you make quickly.

Not only do some companies offer their clients in nursing a special rate, some also offer special coverage options. Here are some of the special coverage types:

  • A Vanishing Deductible where the deductible goes down $100 for every year of safe driving
  • A deductible waiver for any claim filed while the car is at a health facility
  • Good Student Discounts for graduate nursing students trying to advance their career

Both future nurses currently in school and current nurses working in all environments can get insurance discounts. The only way to find the best discount is to get quotes. Use our online quote tool and compare the best car insurance rates for nurses.

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