The make and model of vehicle that needs insurance is probably the most important factor in finding the best coverage for nurses. Vehicles with average performance, good safety features, or low incidents of liability claims will cost much less to insure than fast, unsafe models.
The data below illustrates coverage rates for a selection of the more affordable vehicles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$1,308|
|Honda Accord LX-P 4-Dr Sedan||$1,403|
|Ford F-150 XLT Regular Cab 2WD||$1,405|
|Ford Explorer XLT AWD||$1,433|
|Honda CR-V EX-L 2WD||$1,482|
|Toyota Tacoma 2WD||$1,487|
|Chevrolet Malibu Hybrid||$1,515|
|Toyota RAV4 Limited 4WD||$1,523|
|Volkswagen Jetta S 2.5 Station Wagon||$1,528|
|Nissan Rogue SL 2WD||$1,622|
|Kia Optima LX||$1,627|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$1,655|
|Chevrolet Impala LT||$1,660|
|Jeep Grand Cherokee Laredo 2WD||$1,667|
|Nissan Altima 2.5 4-Dr Sedan||$1,660|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,698|
|Chevrolet Equinox LT 2WD||$1,711|
|Dodge Grand Caravan Hero||$1,718|
|Toyota Camry LE||$1,711|
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rates do not factor in garaging location in Columbus, OH which can lower or raise prices greatly.
Looking at the rates, makes and models like the Ford Escape, Honda Accord, and Ford F-150 are most likely going to be a few of the more affordable vehicles to insure for health professionals.
For health professionals, one of the more important components that aid in calculating insurance cost is where you call home in Columbus. Cities with more crime and/or more people will most likely have higher rates, whereas more rural areas benefit from lower prices.
The illustration below rates the highest-priced places in Ohio for nurses to purchase car insurance in. Columbus shows up at #4 with the yearly price of $1,211 on average, which is around $101 each month.
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Price information shown is comparative as specific Columbus zip code can affect prices noticeably.
Establishing which insurers offer the cheapest auto insurance rates for nurses requires a tad more effort in order to find a policy that fits your budget. Each auto insurance company uses a little different formula for setting rates, so let's look at the rankings for the most competitive auto insurance companies in Ohio.
It's important to understand that Columbus auto insurance rates are impacted by many factors that may substantially change the cost of your policy. Simply getting older, moving to a new city, or getting a ticket for running a stop sign may generate price changes that may make certain companies more affordable than others.
Find Cheaper Car Insurance for Health Occupations
|Rank||Company||Cost Per Year|
|7||Merchants Insurance Group||$748|
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Utica National normally has some of the lowest car insurance rates in Columbus at around $628 each year. Erie, Allied, Frankenmuth, and Travelers would also make the list of some of the best Columbus, OH auto insurance companies.
In the above example, if you currently have coverage with Frankenmuth and switched to Erie, you could realize a yearly price reduction of around $47. Policyholders with Travelers may save as much as $72 a year, and USAA policyholders might lower prices by up to $80 a year.
To find the cheapest coverage for you, click here to get quotes or feel free to get quotes from the companies below.
It's important to note that these prices are averaged for all drivers and vehicles and are not factoring in a specific zip code for nurses. So the insurer that is best for you may not even be in the top 33 companies in the list above. That's why you need to get rate quotes from many companies using your own personal information and vehicle type.
The chart below highlights how deductible selection can increase or decrease annual premium costs when quoting cheap insurance for nurses. The data assumes a single male driver, comp and collision included, and no discounts are taken into consideration.
A 30-year-old driver could lower their car insurance rates by $210 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $318 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 category, could shave $612 annually by using higher deductibles when buying full coverage. When using a larger deductible, it is necessary to have emergency funds available to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Ending up with a highly-rated auto insurance company is hard considering how many companies sell insurance in Ohio. The company information shown below could help you pick which car insurance providers you want to consider comparing prices from. These rankings are only comprised of companies with a nationwide focus, so companies with more of a regional focus are not factored into these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Tips to find low-cost car insurance for nurses
Lowering your rates is not difficult, and here are some of the recommended thrifty solutions that can help Columbus drivers buy cheaper auto insurance.
- Buying home and auto together can help save money
- Do not pay for full coverage on older vehicles
- Good credit scores may make rates cheaper
- Buy safe vehicles
- Do not get into accidents that are your fault
- Comparison shop at least once a year
The last suggestion is particularly vital, as we noted in the prior article. Car insurance prices fluctuate constantly, so drivers shouldn't be reluctant to buy a policy from a new company if you can save money.
Many drivers tend to have loyalty to a certain company, but it isn't a good idea if your bullheadedness ends up costing you lots of hard earned cash every month. If you have a few minutes, compare prices to find cheaper car insurance for nurses in Columbus.
If you would rather have some professional guidance when shopping around for cheaper insurance for nurses, the insurance agencies listed below can most likely help you determine which auto insurance coverages would be the best in your situation. To find an agent closest to you, click the button below the list or click here to compare rates now.
- Gardiner Allen DeRoberts Insurance LLC
777 Goodale Blvd - Columbus, OH 43212 - (614) 221-1500
- Jack Gilkerson - State Farm Insurance Agent
4232 E Main St - Whitehall, OH 43213 - (614) 237-4256
- Nationwide Insurance: Sylvia A Garrett Insurance Agency Llc
1 W Nationwide Blvd - Columbus, OH 43215 - (614) 249-2141
- Nikki Ogunduyile - State Farm Insurance Agent
20 S 3rd St #210 - Columbus, OH 43215 - (614) 274-7130
- Meghan Humphreys - State Farm Insurance Agent
3468 N High St a - Columbus, OH 43214 - (614) 754-9855