Top Companies with Car Insurance Discounts for Nurses

Top Companies with Car Insurance Discounts for Nurses

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As a nurse, you may be able to get discounts on your auto insurance because of your profession. Some car insurance companies — including AAA, Nationwide, Geico and Farmers — offer chances to pay lower rates if you are an RN, CNA, LPN or APRN.

Nurses may also pay less for auto coverage because some insurers factor a driver's job into their rates. In those situations, nurses often pay less than the average driver.

Companies offering car insurance discounts for nurses

Some insurance companies, including several major ones, offer specific discounts to nurses and health care workers. The discounts are often offered through partnerships with employers or professional organizations.

  • Geico: The list of professional organizations Geico partners with for discounts includes the Association of Women's Health, Obstetric and Neonatal Nurses and several other health care organizations nurses can join.
  • Liberty Mutual: Partners with different employers depending on location, which includes some medical organizations.
  • Nationwide: Has a partnership with the American Nurses Association and provides discounts to members.
  • Farmers: Nurses fall under the company's 5% affinity discount program. It also covers professions such as doctors, lawyers, teachers, police and firefighters.
  • California Casualty: Offers discounts for nurses, including reduced deductibles if a vehicle is hit or vandalized within 500 feet of the facility where they work.
  • AAA: Depending on your location, AAA partners with several organizations, including the American Society of Registered Nurses.

Note that these discounts might not be offered in all states or areas, so we recommend calling the insurer to confirm availability.

Nursing organizations with auto insurance discounts

Professional organizations, such as the American Nurses Association, often partner with insurers to get discounts or lower rates for their members. Organizations for doctors or other health care professionals also often offer insurance discounts to members.

Some of the partnerships are local or regional, so check with local agents to learn if any are available in your area. Here are a few nursing organizations that provide discounts on coverage through insurers:

  • The American Nurses Association has a national partnership with Nationwide.
  • The American Society of Registered Nurses offers discounts in Southern California through AAA.
  • The Association of Women's Health, Obstetric and Neonatal Nurses partners with Geico, as does Health Occupations Students of America (HOSA).

If you are already a member of a professional organization, you should check if you are eligible to get discounts on your auto insurance rates.

How much nurses save on car insurance

Simply being a nurse can actually lower your auto insurance rates, even before factoring in any specific discounts. Insurers often take into account the profession and level of education of a customer when calculating a quote.

We compared quotes from Geico and Progressive and found nurses could save more than 9% on a six-month policy compared to a service worker. Nurses received discounts of $24 and $47 respectively on their car insurance quotes.

Drivers with more education and certain jobs are often considered less risky, and therefore may be offered lower rates.

Not all insurers ask for a driver's profession when providing quotes online, and some do not list "nurse" as an option. You might have to speak to an agent to get a better feel about whether being a nurse wil lower your insurance costs.

Other ways nurses can get discounts on auto insurance

Occupation-specific discounts and professional factors are only a few of the ways nurses can lower their insurance rates. Companies offer a range of discounts accessible to all drivers that can make a big difference in how much you pay per year.

  • Bundling policies: Allows drivers to save by having multiple car insurance policies or car and home insurance policies together with the same insurer.
  • Safe driving: Discounts reward you for going longer periods without an accident or incident.
  • Good student: Full-time students can get breaks on their rates for hitting academic benchmarks. Savings may range from 6% to 36%.
  • Defensive driving course: Taking an approved course can make you eligible for a range of discounts.
  • Vehicle safety features: Certain features such as airbags, an anti-theft system or anti-lock brakes can reduce your insurance premiums.
  • Pay in full: Insurance companies often reduce prices if a policy is paid for up front instead of monthly.
  • Telematics: Almost every major insurer offers a program where your driving is tracked and you could get a discount as a result. The programs will not usually raise your rates, but can lower them.

Drivers can also save money by adjusting their coverage and making sure to shop around for the best prices.

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