The words “bargain” and “auto insurance” really should not be used together, especially when you are looking for the best car insurance rates for nurses. Because of the high cost, let’s take a look at a few of the factors the can have a considerable influence on insurance prices, and see how we can help you reduce the cost of your next policy.
For health professionals, one of the largest factors that are looked at to help calculate insurance cost is where your residence is in Tucson. Regions with larger populations or more claims tend to have higher rates, whereas more rural areas have the gratification of cheaper auto insurance rates.
The illustration below lists the most expensive areas in Arizona for nurses to purchase car insurance in. Tucson comes in at #14 having an annual price of $1,094 for the average policy, which is about $91 monthly.
|2||San Tan Valley||$1,196|
|25||Lake Havasu City||$844|
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Rate information is approximated as the specific Tucson residence address can change insurance rates greatly.
The type of vehicle needing coverage is a significant factor when shopping for the cheapest insurance for nurses. Vehicles with average performance, excellent safety ratings, or a positive history of liability claims will cost less to insure than high performance models. The next list features car insurance rates for a handful of the most affordable vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,173|
|Ford Escape XLS 4WD||$1,283|
|Ford F-150 XLT Regular Cab 2WD||$1,285|
|Honda CR-V EX-L 4WD||$1,312|
|Ford Edge SE 2WD||$1,407|
|Toyota Corolla LE||$1,463|
|Toyota Camry XLE||$1,469|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,463|
|Chevrolet Impala LTZ||$1,470|
|Nissan Rogue S 2WD||$1,485|
|Chevrolet Silverado LT Regular Cab||$1,495|
|Chevrolet Malibu LTZ||$1,488|
|Jeep Grand Cherokee Limited 2WD||$1,496|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,490|
|Dodge Ram Quad Cab ST 4WD||$1,510|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,519|
|Toyota RAV4 4WD||$1,520|
|Chevrolet Equinox LT 2WD||$1,529|
|Ford Explorer Limited 2WD||$1,551|
|Ford Focus SES 2-Dr Coupe||$1,561|
|Toyota Camry Hybrid||$1,585|
|Dodge Grand Caravan Crew||$1,598|
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in Tucson, AZ location which can change price quotes significantly.
By looking at the data, we can presume that models like the Honda Accord, Ford Escape, Ford F-150, Honda CR-V, and Ford Edge are the most budget-friendly vehicles to insure for health professionals.
Impact of speeding/accidents on Tucson car insurance rates
The easiest way to maintain the cheapest car insurance prices for health professionals is to be a safe driver and avoid getting tickets or having accidents. The diagram below illustrates how speeding tickets and accident claims can raise premium costs for each different age category. The information is based on a single female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the example above, the average cost of a car insurance policy per year with no violations or accidents is $2,000. Receive one speeding ticket and the average cost increases to $2,267, an increase of $268 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for nurses goes up to an average of $3,025. That’s an increase of $1,025, or $85 per month, just for being a careless driver!
The diagram below illustrates how your choice of deductibles can change yearly insurance costs when researching cheap insurance for nurses. The price estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.
In the chart above, a 30-year-old driver could reduce rates by $272 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $410 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could save $602 every year by choosing larger deductibles on their policy. When insureds make the decision to increase the deductibles on their policy, it will be important to have enough savings to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Can you find cheaper Tucson car insurance?
Tucson, AZ car insurance rates are influenced by many factors that control the price you have to pay for coverage. Improving your credit rating, getting divorced, or getting caught speeding can produce rate changes that can cause some rates to be more affordable than the competition.
Not only that, but insurers change rates without warning to reflect underwriting profits or losses. Unexpectedly high claims can result in additional price hikes, while a better loss history may produce cheaper Tucson car insurance rates.
The data below shows which companies have the cheapest car insurance in Tucson, AZ for a 45-year-old female driver with a clear driving record, no claims, and a good credit rating. When quoting prices based on her current rating profile, The Hartford might offer the best car insurance rates in Tucson at $1,020 each year. This is $408 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive are the remaining top five cheapest Tucson, AZ auto insurance companies.
In this next rate comparison, we will give the driver from above a claim surcharge, a lower credit rating, and a traffic ticket or two. Since each insurance company has their own guidelines for setting prices, comparing prices could result in a significantly different list of the cheapest Tucson car insurance companies as shown below.
GEICO now has the best price in Tucson, AZ with Ameriprise Group, Allied, Auto-Owners, and CSAA now being in the top five. This shows why it is critical to shop around when trying to get affordable insurance rates for nurses. Insurance rates are determined by many risk factors and can increase or decrease at any time, so the most economical company three years ago may now be quite expensive.
Tips for finding economical auto insurance for nurses
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help you locate low-cost auto insurance.
- Drive vehicles with five-star safety ratings
- Good credit scores may lower your rates
- Accident-free drivers may qualify for discounts
- Increase your comprehensive and collision deductibles
- Remove physical damage coverage on older vehicles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Compare quotes from other companies often
The last suggestion is particularly valuable, as was stressed in the prior article. Insurance prices adjust frequently, so don’t be hesitant to change to a new company if you can find a cheaper rate. Many drivers prefer to stick with one company, but it’s not recommended if that dedication is costing a small fortune. Now is a great time to shop around and find cheaper car insurance for nurses in Tucson.
The insurance agents in Tucson listed below are a good start to aid you in deciding which coverage fits your budget, as some drivers aren’t sure which coverage they need and prefer to get some guidance when shopping around for cheaper insurance for health professionals. It can be difficult to find the best policy yourself, so a professional agent can bring comfort knowing your coverage gives you suitable coverage if you ever need to use it.
To locate a Tucson auto insurance agent nearest to you, click the link at the bottom or click here to compare prices now.
Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887
Kevin Dale – State Farm Insurance Agent
5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184
Gilbert Castillo – State Farm Insurance Agent
3010 W Valencia Rd #250 – Tucson, AZ 85746 – (520) 883-2886
Gene Molina – State Farm Insurance Agent
2160 W Holladay St – Tucson, AZ 85746 – (520) 883-1500