The words "low-cost" and "auto insurance" probably shouldn't be used together, specifically when shopping around for the cheapest auto insurance for nurses. In an attempt to save some money, let's teach you some things that determine insurance rates, and figure out some ideas to cut the cost of the next policy you buy.
Finding out which companies have the most affordable auto insurance rates for nurses calls for a little more effort in order to find the lowest price quote.
Every insurance provider has a unique approach for determining prices, so we will examine the auto insurance companies with the most affordable rates in California. It's important that you understand Santa Ana, CA auto insurance rates are impacted by many factors that can increase the price you have to pay. Simply turning a year older, having a teenage driver, or having an accident may generate price changes that may make certain companies much cheaper than others.
Find the Cheapest Auto Insurance for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,181 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Allied | $1,541 |
| 10 | Allstate | $1,543 |
| 11 | Mercury | $1,548 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
| View More Rates Go | ||
USAA has some of the most affordable car insurance rates in Santa Ana at around $1,143 each year. This is $508 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA also rank well as some of the most economical Santa Ana, CA insurance companies.
In the above example, if you have coverage with Century National and switched to USAA, you may see savings of upwards of $35. Policyholders with Wawanesa might save as much as $38 a year, and Nationwide policyholders might lower prices by up to $83 a year.
To find the cheapest coverage for you, click here to start your custom quote or click several companies below for low rates.
Bear in mind that those rates are averages across all types of drivers and the different vehicles they drive and do not factor in an exact location for nurses. So the auto insurance company that has the lowest price for you may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
The make and model of vehicle that is being insured is probably the biggest factor that determines the availability of economical car insurance for nurses. Vehicles with economical engines, an excellent safety record, or a positive history of liability claims will cost less to insure than fast, unsafe models. The data below showcases car insurance prices for a number of the most affordable automobiles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,115 |
| Toyota Prius | $1,130 |
| Ford Escape XLT 4WD | $1,142 |
| Ford Edge SE AWD | $1,183 |
| Chevrolet Impala LS | $1,193 |
| GMC Sierra SLE Regular Cab 2WD | $1,206 |
| Ford Explorer Limited 2WD | $1,228 |
| Toyota Tacoma 4WD | $1,249 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,258 |
| Toyota Corolla LE | $1,271 |
| Chevrolet Equinox LTZ 2WD | $1,294 |
| Dodge Grand Caravan SE | $1,296 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,317 |
| Chevrolet Malibu Hybrid | $1,322 |
| Toyota RAV4 Sport 2WD | $1,332 |
| Honda Civic SI 4-Dr Sedan | $1,335 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,340 |
| Toyota Camry Hybrid | $1,381 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,392 |
| Dodge Ram Crew Cab Laramie 2WD | $1,403 |
| Nissan Rogue SL 2WD | $1,412 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $1,419 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,422 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in vehicle garaging location which can alter premium rates greatly.
Looking at the numbers, models like the Honda CR-V, Toyota Prius, and Ford Escape are most likely to be some of the most budget-friendly vehicles to insure for health professionals.
For health professionals, one of the big criteria that aid in calculating car insurance rates is where you choose to live. Areas with a lot of weather claims or more people tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The illustration below rates the highest-priced places in California for nurses to buy an auto insurance policy in. Santa Ana ranks #16 with an annual cost of $1,453 for the average policyholder, which is around $121 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,693 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,596 |
| 7 | Stockton | $1,588 |
| 8 | Long Beach | $1,578 |
| 9 | Moreno Valley | $1,551 |
| 10 | Santa Clarita | $1,548 |
| 11 | Riverside | $1,527 |
| 12 | Fontana | $1,519 |
| 13 | Garden Grove | $1,508 |
| 14 | Modesto | $1,487 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,395 |
| 20 | Fremont | $1,389 |
| 21 | Bakersfield | $1,381 |
| 22 | Irvine | $1,371 |
| 23 | Chula Vista | $1,350 |
| 24 | San Diego | $1,340 |
| 25 | Oxnard | $1,304 |
| Find Cheaper Rates Go | ||
Rate quotes are approximated as specific Santa Ana zip code can alter insurance rates noticeably.
Insurance rate increases from tickets or accidents
In a perfect world, the best way to get low auto insurance rates for health professionals is to drive safely and avoid accidents and traffic citations. The information below illustrates how violations and accidents influence car insurance rates for different categories of driver ages. The premiums are based on a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.
In the previous example, the average cost of an auto insurance policy in California per year with no accidents or violations is $2,935. Add in two speeding tickets and the average cost rises to $3,944, an increase of $1,009 each year. Now get one accident along with the two speeding tickets and the 12-month cost of auto insurance for nurses jumps again to an average of $4,975. That's an increase of $2,040, or $170 per month, just for being a little careless behind the wheel!
Discounts on Santa Ana insurance
Car insurance companies that provide coverage for nurses may additionally offer premium discounts that could potentially reduce rates by 30% or more if you can meet the requirements. Large auto insurance companies and their possible discounts can be found below.
- State Farm has discounts for student away at school, Steer Clear safe driver discount, good student, accident-free, good driver, and multiple policy.
- GEICO may have discounts that include air bags, daytime running lights, federal employee, multi-vehicle, and multi-policy.
- Allstate discounts include anti-lock brakes, auto/life discount, premier discount, farm vehicle, multi-policy, good student, and early signing.
- SAFECO policyholders can earn discounts including teen safe driver, anti-lock brakes, drive less, bundle discounts, accident prevention training, teen safety rewards, and homeowner.
- Farm Bureau may offer discounts for good student, renewal discount, safe driver, 55 and retired, and youthful driver.
- Progressive includes discounts for continuous coverage, multi-policy, homeowner, online signing, online quote discount, good student, and multi-vehicle.
- AAA has savings for multi-policy, anti-theft, good driver, good student, and multi-car.
The illustration below illustrates the comparison of insurance rates with and without discounts being applied to the rates. The premium estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with defensive driving course, accident-free, marriage, anti-theft, claim-free, and multiple vehicle discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for nurses is 28% or $707.
You are probably paying too much for car insurance
Santa Ana auto insurance rates are based on many factors that control the policy premium. Simply having a birthday, buying a home, or having a fender bender can trigger rate changes that can make some companies more affordable than competitors.
In addition, insurers modify rates at least once a year to adjust for heavy claims or excess profits. Larger than normal claims can result in additional price hikes, while lower claim levels can produce lower-cost Santa Ana car insurance rates.
To illustrate this point, the bar chart below shows the cheapest car insurance in Santa Ana, CA for a 35-year-old male driver with no accidents or violations, and a good credit rating. If we compare prices based on his current situation, USAA quotes the best car insurance rates in Santa Ana at $1,313 each year. This is $338 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the most affordable Santa Ana, CA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a chargeable accident, less-than-perfect credit, and a speeding citation. Since every insurance provider has a unique approach for determining rates, analyzing rate quotes may now show a significantly different list of affordable companies as shown below.
Grange now has the best insurance rate in Santa Ana with Allied, Allstate, Mercury, and Progressive also having competitive pricing. This demonstrates why it is important to spend some time comparing rates to find the most affordable insurance rates for nurses. Car insurance prices are influenced by many risk factors and change substantially, so the best option the last time you shopped around may now be wasting a lot of money.
How to find low-cost car insurance for nurses
The list below shows some of the better thrifty solutions that can help you buy more affordable car insurance.
- If possible, do not file small claims
- Lower rates by purchasing a safer vehicle
- Save money by observing traffic laws and speed limits
- Don't waste money on full coverage for older vehicles
- Bundle home and auto and save
- Having at-fault accidents will increase rates
- Compare rates regularly to ensure the best deal
That final tip is very valuable, as we discussed in this article. Prices charged by car insurance companies vary greatly, so don't be hesitant to change insurance companies if a lower price can be found.
Brand loyalty is great, but it's not a great idea if that dedication is costing a lot of money. Now is a great time to shop around and find cheaper auto insurance for nurses in Santa Ana.