Cheapest Auto Insurance Quotes for Nurses in Louisiana

The words “bargain” and “insurance” really should not be used together, especially when trying to find the lowest insurance rates for nurses. Let’s teach you some situations that influence car insurance prices, and come up with some ways to lower the cost of the next policy you buy.

Deciphering which companies have the most affordable auto insurance rates for nurses involves more work in order to find the lowest price. Every auto insurer has their own unique process to set policy rates, so let’s take a look at the overall cheapest auto insurance companies in Louisiana.

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USAA quotes some of the lowest car insurance rates in Louisiana at around $1,594 a year. MetLife, GEICO, Progressive, and Safeway also make the cut as some of the cheaper Louisiana car insurance companies.

In this example, if you have coverage with MetLife and switched to USAA, you might achieve a yearly savings of approxmiately $242. Insureds with GEICO may save as much as $293 a year, and Progressive customers might realize rate reductions of up to $333 a year.

Understand that those estimates are averaged across all types of insureds and vehicles and and are not calculated with a price discount for nurses. So the insurer that has the lowest price for you may not even be in the list of companies shown earlier. That’s why you need to compare as many prices as possible using your own driver data and vehicle information.

For health professionals, one of the big components that auto insurance companies take into consideration when calculating the price of your policy is where your residence is in Louisiana. Areas that are densely populated or have higher claim frequency like New Orleans, Marrero, and Metairie tend to pay slightly more, whereas areas with less people or fewer weather incidents generally pay less for auto insurance.

The next table sorts the more expensive cities in Louisiana for nurses to purchase a policy in.

Annual rates are estimated as the specific Louisiana residence address can raise or lower premiums greatly.

The vehicle needing coverage is one of the largest considerations that determines whether or not you can buy the cheapest car insurance for nurses in Louisiana. Vehicles with lots of horsepower, poor crash test ratings, or a high likelihood of having liability claims will cost more to insure than safer models. The table below illustrates auto insurance prices for some of the cheapest vehicles to insure.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in your specific Louisiana location which can raise or lower auto insurance rates substantially.

By looking at the data, we can expect cars like the Jeep Wrangler, Chevrolet Silverado, and Hyundai Elantra are most likely to be some of the most economical vehicles to insure for health professionals.

Comparison of full coverage and liability-only policies

Finding the cheapest car insurance for nurses in Louisiana is probably important to most people, and an easy way to pay lower rates for insurance is to not insure for full coverage. The chart below shows the difference between car insurance costs with full phyical damage coverage and with liability coverage only. Data assumes no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.

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As an overall average, comprehensive and collision coverage on your policy costs $2,655 per year more than buying just liability insurance. Many people question if physical damage coverage is worth the money. There is no exact rule to drop full coverage, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

Cautious Louisiana drivers save money

In a perfect world, the ideal way to earn the cheapest car insurance for nurses in Louisiana is to be an attentive driver and maintain a clean driving record. The chart below demonstrates how citations and at-fault accidents influence car insurance costs for different insured age categories. The premium estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 4553,4887,7705],[‘Age 30’, 2363,2699,5517],[‘Age 40’, 2339,2673,5493],[‘Age 50’, 2127,2461,5279],[‘Age 60’, 2055,2389,5207],[‘Age 70’, 2491,2823,5643]]);var options = {title: ‘Impact of Tickets and Claims on Louisiana Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Louisiana’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of an auto insurance policy in Louisiana per year with a clean driving record and no accidents is $2,655. Get one speeding ticket and the average cost surges to $2,989, an increase of $334 each year. Next add two accidents along with the one speeding ticket and the annual cost of auto insurance for nurses increases to an average of $5,807. That’s an increase of $3,153, or $263 per month, just for not keeping your driving record clean!

Cheap insurance quotes for health professionals

There are many different ways to compare auto insurance prices in Louisiana, but the most common are through an exclusive insurance agency like Liberty Mutual or Allstate, an independent or non-exclusive agent, or direct either online or via phone.

You can use whichever you prefer, but shoppers should understand the differences in how they provide price quotes.

Independent agencies write business for many companies and can get rate quotes from every one. Independent agents have the ability to give you more rates, which can give you the best chance of saving money. If your agent finds better pricing, they simply switch companies in-house and you don’t have to switch agencies.

An exclusive ageny is ‘exlusive’ to a single insurance company, two examples are an Auto-Owners or State Farm agent. They are unable to compare other company’s rates, so smart shoppers will want to get additional comparison quotes.

Buying from a direct company means forego an agent and instead buy from a direct company like Esurance. This option may be the best choice families who have lower risk management needs and understand the limitations of auto insurance.

So which one of the three ways works best to buy the cheapest car insurance for nurses in Louisiana? It would be obvious to point out buying from a direct car insurance company results in the cheapest rates since there is no need to pay agent commissions, but that does not always hold true. And we’d like to say an independent agency guarantees the best prices because they can shop around, but that assumption is also not necessarily accurate. In a lot of cases, exclusive agencies have really good rates that other auto insurance companies cannot touch.

Because of the variability of auto insurance rates, the best method to get the lowest rate is to get rate quotes and compare. Smart shoppers will get rate quotes from independent agents, exclusive agents, and direct companies to give yourself the best selection. For a list of companies offering online discounts, click here to view.

Find the cheapest car insurance for nurses in Louisiana

The list below shows a few money-saving suggestions that can help Louisiana drivers find cheap coverage.

• Increase your deductibles
• Do not pay for full coverage on older vehicles
• Save money by observing traffic laws and speed limits
• Safer vehicles cost less to insure
• At-fault accidents can raise rates significantly
• Higher credit scores may earn you cheaper rates
• Compare rates once a year for cheaper prices

The last tip in the list is notably critical, as we emphasized in the article above. Prices charged by auto insurers fluctuate constantly, so don’t hesitate to switch companies if a better rate can be found. Many drivers prefer to stick with one company, but it’s not recommended if that inflexibility results in costing you big bucks every year. It only takes a couple minutes to compare prices to find cheaper auto insurance for nurses.